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St.George car insurance review

St.George was highly commended in the 2024 Finder Car Insurance Awards for features. That's because it has an above-average offering yet remains comparatively affordable.

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Our verdict

Pros

  • Pay monthly at no extra cost – a benefit only offered by a third of the brands we compared.
  • Up to $1,000 each for personal effects, key replacement and emergency accommodation.
  • Save up to 10% in the first year when buying a new comprehensive car insurance policy online. T&Cs apply.

Cons

  • There's no option for third party fire and theft. Only comprehensive or third party property damage.
  • St.George does not offer roadside assistance.
  • Up to $500 is covered for emergency repairs. Some brands cover up to $1,000.

Best Car Insurance - Features Finalist

St George comprehensive car insurance came in second-place for value out of the 32 eligible comprehensive policies we analysed. It scored highly because it comes with some of the highest cover limits available – that includes up to $100 per day for 30 days for a hire car if your vehicle is stolen, $1,000 for stolen personal items and $1,000 for key replacement.

Full list of 2024 winners

How does St.George car insurance compare to other car insurers?

St.George competes well with many other car insurance brands in its price bracket and is one of the few to offer choice of repairer, as well as market or agreed value cover – all as standard.

It also has generous benefit limits across some categories, particularly its hire car limit and cover for personal effects. It's not the cheapest car insurance policy, nor the most expensive.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
St.George Comprehensive
  • If your car is written off in the first 2 years
  • Finder's Summary: The comprehensive policy from St. George is their highest level of cover that includes cover for your trailer and caravan as well as transportation costs up to $500 if your vehicle cannot be driven home after an accident. Save up to 15% in the first year when buying a new policy online. T&Cs apply.

    Who it might be good for: People looking to pay by the month.
    Budget Direct Comprehensive
    Optional
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Price

    Research for the 2024 Finder Car Insurance Awards found that St.George's comprehensive car insurance premiums were more cheaper than the majority of brands we compared.

    On average, a St.George comprehensive policy costs $1,036 a year. That's cheaper than 26 other popular brands we researched. Keep in mind, the best car insurance for you may depend on more than just price.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    St George car insurance logo$929$1,182$1,048$864$1,322$871$1,036More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote

    About our car insurance methodology

    Compare policies from St.George car insurance

    St.George only offers 2 types of car insurance policies – comprehensive and third party.

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    St.George Comprehensive
  • If your car is written off in the first 2 years
  • Up to $100 per day - Up to 30 days
  • Finder's Summary: The comprehensive policy from St. George is their highest level of cover that includes cover for your trailer and caravan as well as transportation costs up to $500 if your vehicle cannot be driven home after an accident. Save up to 15% in the first year when buying a new policy online. T&Cs apply.

    Who it might be good for: People looking to pay by the month.
    St.George Third Party Property Damage
  • Up to $5,000 cover for loss or damage to your car caused by an at fault uninsured driver.
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    What additional cover options are available?

    • No excess for windscreen claims. Don't pay an excess for windscreen claims if it's the only damage to your vehicle.
    • Rental car following an accident. Get a rental car for Up to $100 per day - Up to 30 days if you're involved in an accident. Covers up to $3,000 for the rental car excess too.
    • Tools of trade. Cover for your tools of trade, stock and materials if they're stolen via forcible entry to your securely locked vehicle, including toolboxes that are permanently fitted.

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