Finder makes money from featured partners, but editorial opinions are our own.

Suncorp car insurance review

Suncorp’s benefit limits are high in comparison to many other providers, but its policies are more expensive than most.

No reviews yet. Write a review

Our verdict

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

How does Suncorp car insurance compare with other car insurers?

Suncorp generally has high benefit limits compared to other car insurers, offering strong cover. As such, its policies are more expensive than most.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Suncorp Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Finder's summary: Suncorp comprehensive policyholders can benefit from flexible payment options, a lifetime guarantee on authorised repairs, baby capsules and child seats cover, and more. Eligible Suncorp insurance customers can take advantage of Suncorp Benefits including 5% discount on fuel from Caltex.

    ⭐ Current offers: Save $50 on your first year’s premium when you quote and buy comprehensive car insurance online. T&Cs apply.

    Who it might be good for: People who drive less than 10,000km per year can benefit from additonal discounts.
    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.
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Optional
    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.
    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.
    loading

    Price

    Price comparison data from the 2024 Finder Insurance Awards found that, on average, an annual comprehensive car insurance policy from Suncorp costs $1,559 — that's almost 13% higher than the general average of $1,363.

    Keep in mind, these prices are based on a fictional profile and your own quote will differ. This should be used as a guide only.

    Additionally, the best car insurance for you may be based on more than price and a policy's features should be considered too.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Suncorp car insurance logo$2,003$2,107$1,240$1,100$1,588$1,317$1,559More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get 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

    About our car insurance methodology

    Compare Suncorp car insurance's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Suncorp Comprehensive Advantages
    Optional
  • Reasonable costs - Up to 21 days
  • Suncorp Comprehensive Extras
    Optional
  • If your car is written off in the first 2 years
  • Reasonable costs - Up to 21 days
  • Suncorp Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Reasonable costs - Up to 21 days
  • Finder's summary: Suncorp comprehensive policyholders can benefit from flexible payment options, a lifetime guarantee on authorised repairs, baby capsules and child seats cover, and more. Eligible Suncorp insurance customers can take advantage of Suncorp Benefits including 5% discount on fuel from Caltex.

    ⭐ Current offers: Save $50 on your first year’s premium when you quote and buy comprehensive car insurance online. T&Cs apply.

    Who it might be good for: People who drive less than 10,000km per year can benefit from additonal discounts.
    Suncorp Third Party Fire & Theft
  • Reasonable costs - Up to 21 days
  • Suncorp Third Party Property Damage
  • loading

    What additional cover options are available?

    Depending on which level of comprehensive cover you choose, Suncorp offers some optional extras, including:

    • Roadside assist - Get 24/7 roadside recovery for mishaps including flat batteries and tyres.
    • Windscreen and window glass cover - Repair or replace your windscreen, windows, or sunroof once a year without paying any excess.
    • Hire car after an event - Get a hire car for up to 21 days after any insured event – including at-fault incidents and weather damage.

    Why you can trust Finder's car insurance experts

    free

    We're free

    You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
    expert advice

    We're experts

    Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
    independent

    We're independent

    Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
    help

    We're here to help

    Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

    FAQs about Suncorp car insurance

    More guides on Finder

    Ask a Question

    You are about to post a question on finder.com.au:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com.au is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
    Go to site