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Suncorp car insurance review

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

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By

Nicola Middlemiss

Updated

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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

1 - 5 of 5
Updated regularly
Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Suncorp Comprehensive
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.
    View details
    Budget Direct Comprehensive
    Finder Award
    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.
    Get Quote
    View details
    NRMA Comprehensive
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
    • Optional
    View details
    AAMI Comprehensive Car Insurance
    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.
    View details
    Allianz Comprehensive
    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.
    View details
    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
    Suncorp Comprehensive Advantages
    Optional
  • Reasonable costs - Up to 21 days
    • View details
    Suncorp Comprehensive Extras
    Suncorp Comprehensive Extras
    Optional
  • If your car is written off in the first 2 years
  • Reasonable costs - Up to 21 days
    • View details
    Suncorp Comprehensive
    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.
    View details
    Suncorp Third Party Fire & Theft
    Suncorp Third Party Fire & Theft
  • Reasonable costs - Up to 21 days
    • View details
    Suncorp Third Party Property Damage
    Suncorp Third Party Property Damage
    • View details
    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.

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