These products offer the best value and outcomes considering various product features and price.
7+
Great
Competitive products within their group.
5+
Standard
But these products still offer reasonable value and have the basics sorted.
0+
Basic
Offering basic cover with limited features or higher pricing.
Our verdict
Pros
You can save 10% on your premium if you pay annually.
Stella's comprehensive car insurance policy includes coverage of up to $2,000 for baby gear, including prams, strollers and other essential items if they are damaged during a covered event or stolen.
Stella will waive the excess if your car is damaged in a domestic violence incident - check the PDS for full details.
Cons
We compared 37 comprehensive car insurance policies. On average, 29 brands offered cheaper comprehensive cover than Stella.
Stella's product disclosure statement includes vague terminology like 'reasonable costs'. This makes it difficult to know exactly what exactly you're covered for.
Some common customisations aren't available. For example, you can't choose your own repairer and you can only insure your car for agreed value, not market.
How does Stella car insurance compare with other car insurers?
We obtained quotes across a range of providers for a 30 year old male based in NSW.
We currently don't have that product, but here are others to consider:
How we picked these
Finder Score for car insurance
We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost competitive a product might be for you.
Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.
Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.
Stella exclusively offers comprehensive car insurance. If you're looking for third party or third party fire and theft cover - for example, your car may be low-value - you'll have to look elsewhere.
What additional cover options are available?
Stella offers some optional extras so you can strengthen your policy, if you prefer.
Roadside assistance. Australia-wide roadside assistance with unlimited call-outs 24/7, 365 days a year. Covers flat batteries, emergency fuel, flat tyres, lost or locked-in keys, towing, minor technical advice and more.
No-excess windscreen. Avoid paying an excess if your car's windscreen, sunroof or window glass is damaged in an insured incident and requires replacement.
Hire-car after at-fault accident. Extend your hire car benefits to include situations when you were at fault and your car is out of action. Reasonable costs are covered for up to two weeks.
FAQs
Stella car insurance is underwritten by Virginia Surety Company, Inc.
Yes. Although Stella is a female-focused brand, it does insure men and has thousands of male customers.
To start the claims process with Stella, call 1300 633 811. Stella's claims team is available 24/7.
Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards.
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Discover the steps to get affordable car insurance if you are under 25.
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