Stella car insurance review

Stella has good benefits but is on the more expensive end of the scale. It also lacks customisation options in certain areas.

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Nicola Middlemiss

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Stella Insurance

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Key takeaways

  • Twenty-nine of 37 compared brands often offered cheaper comprehensive car insurance than Stella.
  • Stella offers unique benefits including $2,000 baby gear cover and domestic violence excess waiver.
  • Customisation is limited; you cannot choose your own repairer and only agreed value is offered.

Pros

  • Strong benefit limits, including Up to $1,000 for emergency repairs
  • Save $50 when you buy a new comprehensive car insurance policy online
  • Customers who drive less than 10,000km a year may be eligible for a reduced premium

Cons

  • Suncorp's policies are more expensive than most other providers
  • Some policy wording is ambiguous, including hire car cover up to a "Reasonable costs - Up to 21 days"
  • Young and inexperienced drivers automatically have a higher excess

Compare Stella Car Insurance

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Finder Score
7.5 Great
Stella Comprehensive
Finder Score
7.5 Great
  • If your car is written off in the first 2 years or is under 40,000 km
    • Optional
    Discount: Save 10% when you pay your premium annually. T&Cs apply.
    Summary: It comes with competitive pricing, rewards for being a safer driver and some unique inclusions like cover if your car is damaged as a result of domestic violence. It also offers higher cover for baby gear than most, with up to $2,000 cover for prams, strollers and child seats.

    Who it might be good for: Someone who wants a women-focused car insurance policy (it will cover men too).
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    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. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature 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.

    Read the full methodology

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    Nicola Middlemiss's headshot
    Journalist

    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. See full bio

    Nicola's expertise
    Nicola has written 246 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance
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