Your car is covered by Motor Injury Insurance in WA, which comes as part of your vehicle registration AKA your rego.
This insurance package is made up of two main parts: Compulsory Third Party (CTP) and Catastrophic Injuries Support (CIS).
CTP kicks in if you accidentally cause harm to someone else while driving anywhere in Australia. Then there's CIS, which steps up if someone ends up with a really serious injury from a car crash.
This insurance package doesn't handle any damage your car might cause to other vehicles or property. You’ll need third party and comprehensive cover if you want to protect your vehicle as well.
Best car insurance Western Autralia
The best car insurance for you will depend on your personal circumstances and the level of coverage needed. For many people, the best policy for them is one that offers adequate coverage at a price they can afford. As part of the 2024 car insurance awards, Finder's car insurance experts researched 32 popular car insurance providers in Western Australia to find which policies offer the best value for money.
According to this research, Hume Bank car insurance offers the best value policy for drivers in WA.
Best value car insurance in Western Australia: Hume Bank
What we like about Hume Bank:
Hume Bank comprehensive car insurance is cheap but covers a lot – damage to your own car, emergency repairs, new car replacement, towing and more.
It's cheaper than the majority of insurers. The average policy costs $830 a year, according to our research – $244 less than average.
Solid cover similar to major insurers like NRMA, Allianz and Budget Direct.
Bingle and ROLLiN’ were typically cheaper in our research but cover you for less.
The cheapest car insurance for you will depend on your personal circumstances and what level of cover you need.
As part of our 2024 car insurance awards, we researched 32 car insurers in WA to find who offers the lowest-cost comprehensive policy. This research determined RoLLiN' car insurance to be the most budget-friendly, closely followed by Bingle car insurance.
Cheap car insurer in WA: RoLLiN’
What we like about RoLLin':
ROLLiN' comprehensive car insurance is cheap and good for younger drivers. Unlike other insurers, there’s no age based excess.
It's cheaper than the majority of insurers. The average policy costs $674 a year, according to our research – $400 less than average.
Good level of cover. Temporary cover for a replacement car, towing, new car replacement and more.
Major downside. Your premiums are calculated on a monthly basis so could change from month to month.
Third party property car insurance. This covers you for costs if you damage someone else's car or property. It won't cover repair costs for your car. It could be good if you have a cheap car you’d be happy to replace if it was damaged.
Third party, fire and theft car insurance. This covers costs if you damage someone else's vehicle or property. It can also cover your car if it's damaged by fire or stolen. It doesn't cover you for damage to your own car due to an accident, storm or flood. It could be good if you live in a bushfire prone area but don’t want comprehensive cover.
Third party car insurance costs
We sourced over 100 quotes from 18 popular car insurance providers in Western Australia. Below is a breakdown of the pricing. Keep in mind, these quotes are based on a fictional driver and your own costs will differ.
The average car insurance policy in WA costs approximately $1,074, according to our 2024 awards research.
ROLLiN' is the cheapest comprehensive car insurer according to our 2024 awards research. Keep in mind that prices vary based on your age, gender, the car you drive and more.
RACV is called RAC WA in Western Australia.
Compulsory third party is the only form of compulsory insurance you need in WA. It’s included with your rego fees.
You need to change your interstate vehicle registration to WA within 3 months of becoming a resident.
Car insurance premiums in Perth vary based on factors like age of the driver and age of the car, driving history and the type of vehicle. On average, comprehensive car insurance can range between $800–$1,200 annually.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 645 Finder guides across topics including:
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
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