Compare Car Insurance Australia

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Budget Direct Comprehensive

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  • Lifetime guarantee on repairs
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*First year's premium for a new policy. T&Cs apply.

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Car insurance comparison

1 - 9 of 36
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Youi Comprehensive Car Insurance
Optional
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Coles Comprehensive
Optional
Agreed or Market
Finder's summary: With Coles comprehensive car insurance, you could earn double flybuys points at Coles supermarkets and you can get $10 off your Coles grocery bill every time you redeem 2,000 Flybuys points. If your car is damaged, you could benefit from a one-week turnaround on repairs.

⭐ Current offer: Get 10% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Coles customers and Flybuys collectors.
Bingle Comprehensive
Market
Finder's summary:Bingle consistently comes up as one of the cheaper insurers out there. It only covers the basics. You don't get to choose your own repairer, you're not covered for personal items in the car and unless you add it as an option, you won't get a hire car if your car is stolen. But this keeps its premiums low.

Who it might be good for: Someone who wants a low-cost option that covers them for the basics.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: QBE is a sustainable insurance company and also Finder's Green Insurer of the Year 2021 award winner. This policy offers the highest level of protection available from QBE including three-year new car replacement.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those that are looking for a more environmentally friendly insurance choice.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.
ahm Comprehensive
Optional
Both
Finder’s summary: ahm comprehensive car insurance lets you choose higher excess to reduce your premiums. Its Fixed Kilometre Plan can save you up to 30% compared to its standard comprehensive cover.

⭐ Current offer: Get free roadside assistance* for 12 months when you sign up by 30 June. T&Cs apply.

Who it might be good for: People who drive less than 15,000 km per year.
KOBA Pay per KM
Agreed
Finder's summary: KOBA car insurance uses a pay-per-km system – ideal if you drive less. It offers comprehensive cover for things like theft, hail, fire and 3rd party damage.

⭐ Finder Exclusive: Receive a $150 visa gift card to use as you wish with promo code: Find2022. T&Cs apply.

Who it might be good for: Anyone who doesn't drive that much or want to limit how much they're on the road.
Huddle Black Comprehensive
Agreed or Market
Finder's summary: Huddle's black comprehensive is its cover with highest limits and exclusive benefits. It includes roadside assistance. You can also get up to $2,000 for emergency travel and accommodation and up to $30 million legal liability cover.

Who it might be good for: Someone who wants a 24/7 claims processing.
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What is car insurance?

Car insurance is designed to protect you financially if your car is involved in an accident, is stolen, damaged or causes damage to another person, vehicle or property.

There are 4 levels of car insurance. Compulsory third party (CTP) insurance is mandatory in Australia – it only covers injuries to other people and legal costs. However, more comprehensive policies can also pay for expenses including repairs, replacement costs and third party damage as well.

How does car insurance work?

Car insurance in Australia works like this: you pay a monthly or annual premium to your insurer. In exchange, it can help cover the costs if something goes wrong – for example, if your car is damaged or written off, car insurance can cover the repair or replacement costs.

Your policy only lasts for a specific period of time – usually 12 months. At this point, you have the option to switch or renew your insurance policy as the cost of your policy is likely to change.

Find a better deal
Despite the chance to save hundreds, half of Australian drivers haven't switched their car insurance in the last 5 years, according to new Finder research.

What types of car insurance can I get in Australia?

Comprehensive car insurance

Comprehensive car insurance

This is typically the only level of car insurance that covers repair costs for your own car as well as others – for example, if it's damaged by hail, fire or storm, or it's stolen or vandalised. It can also help pay for key replacements, emergency accommodation, hire cars and accidental damage – plus everything that's covered by cheaper policies.

third party, fire and theft

Third party, fire and theft car

This covers costs if you damage someone else's property (such as their vehicle) and can pay to repair or replace your car if it's damaged by fire or stolen. However, it typically doesn't cover you for damage done to your car.

Third party

Third party property car insurance

This only covers you for costs if you damage someone else's vehicle or property. It won't cover repair costs for your car.

Compulsory third party

Compulsory third party

Often called green slip insurance, CTP is mandatory for every registered driver in Australia. In many states, it's included in your car registration. It helps cover compensation costs, such as hospital expenses, if you kill or injure someone in a car accident. It won't cover your car or someone else's car.

​​

Andrew Wong: KOBA car insurance founder

Andrew Wong

"I'd always recommend taking comprehensive coverage as it covers you for just about any problem you have with your car.

But these days insurance is a commodity product – they are all pretty much the same. When I buy anything, I'm always looking for value and if the product can offer me more than the functional benefit it's supposed to provide. There are a lot of new innovative insurtechs working hard to drive value in the market: monthly policies, policies that include rideshare, female-only brands, data-driven policies, or pay-per-kilometre insurance. I suggest that customers looking to switch take a serious look at some of the new products on the market."

Compare car insurance quotes

To give you an idea of how much car insurance costs can differ, we got quotes from 10 popular Australian insurers for a comprehensive car insurance policy. Here's what we found:

  • The cheapest comprehensive policy was $82.58 less per month than the most expensive insurer – that's an annual difference of $990.96.
  • The average monthly car insurance cost was $134 for comprehensive cover – that goes down to $46 for a third party policy.
  • Cost isn't the only factor worth considering. For example, QBE is more expensive but comes with increased perks, such as new for old car replacement after 3 years.
ProviderComprehensive car insurance costs
Coles$143.46
Bingle$117.14
AAMI$148.68
Budget Direct$142.00
Virgin Money$145.27
GIO$125.03
Suncorp$141.79
NRMA$150.68
CGU$155.28
QBE$168.17

Quotes obtained February 2022

How can you compare car insurance policies?

Number 1

Choose a specific level of cover

There's 4 levels of car insurance: CTP, third party, third party, fire and theft, and comprehensive. If you want cover for loss or damage to your own car as well as others, get comprehensive car insurance. For damage to other people's cars and property only, a third party policy might be enough.

Number 2

Compare features

You can review features side by side by clicking the compare button in our comparison table at the top of the page. If you're after a cheap car insurance policy that covers the bare minimum, budget insurers like Bingle could be ideal for you. For those who want additional benefits like cover for stolen keys, personal belongings or a hire car, consider more comprehensive insurers like QBE.

Number 3

Compare costs

As you can see from the comparison above, costs can differ a lot – as much as $83 a month. To see how much you could save, put a few minutes aside, click through to our partners and fill out some quotes about yourself and your car – you'll quickly get an idea of how much you'll pay.

Driving less?
Insurers including KOBA, Budget Direct and Youi reward you with cheaper premiums the less you drive.

Frequently asked questions about car insurance comparison

300,000 statistic based on clicks from Finder to our partners.

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76 Responses

  1. Default Gravatar
    SharonDecember 8, 2021

    I have a Nissan Skyline 1999 and am finding it hard to get insurance. I tried at RACT and they said its a grey import and will only provide 3rd party insurance. I’ve tried NRMA and they will comprehensively insure but only up to a value of $9256. The car meets their requirements for veteran/vintage/classic car but they specifically exclude this particular car. I’d also like to be able to do a bundle of insurance – car, house and contents and am looking for a deal – who can you suggest to try?

    • Avatarfinder Customer Care
      JamesDecember 18, 2021Staff

      Hi Sharon,

      The eligibility requirements do vary from provider to provider. You can look into more car insurance providers in the table above. Click the Get Quote button and you’ll be able to source a quote directly from an insurer. You could also inquire with the provider about bundled insurance products for your car and home.

      For more information, you could also visit our guides to Classic Car Insurance and Home Insurance.

      I hope this helps.

      Regards,
      James

  2. Default Gravatar
    CraigNovember 25, 2021

    I will be spending three months in the United Kingdom next year and have an opportunity to borrow a friends small Suzuki Celerio SZ2 intermittently over the period I will be there.Despite many emails to different car insurers I have been unable to locate a company which is prepared to provide me with comprehensive cover on my clean Victorian licence over the three month period of my visit.I am hopeful you may be able to introduce me to an insurer over there.
    I look forward to your positive reply.

    • Avatarfinder Customer Care
      JamesDecember 1, 2021Staff

      Hi Craig,

      You could ask your friend to get in touch with their car insurer and see if they’ll adjust their cover or add you to the policy temporarily. You can review our guide to overseas car insurance for more detailed information.

      Best of luck with your search.
      James

  3. Default Gravatar
    DeniseNovember 25, 2021

    which companies will cover a driver who has had a drink driving conviction for 12 months from 2018 to 2019 – we need third party property cover for the vehicle

    Which company will insure a driver for third party property on a vehicle when the driver has had a drink driving disqualification for 12 months starting in 2018 and ending in 2019.

    • Avatarfinder Customer Care
      JamesDecember 1, 2021Staff

      Hi Denise,

      It may be worth comparing insurance from a range of providers (in the table above, you can go straight to an insurer’s site by clicking the green Get Quote button). If they can’t offer you the cover you need, you may have to find a specialist car insurance provider to help with your needs.

      You can learn more about finding insurance if you’re considered to be a ‘high-risk’ driver here.

      Regards,
      James

  4. Default Gravatar
    AlexNovember 20, 2021

    Hello I am a Driving instructor (in regional WA) and RAC are no longer insuring driving instructors. I would like to find an insurer. (Eleven years instructing and no claims whatsoever !)

    • Avatarfinder Customer Care
      JamesNovember 24, 2021Staff

      Hi Alex,

      You can use this page to review your options side-by-side. Click the “Get Quote” button to compare quotes from different brands.

      Another option you have is to seek advice from an insurance broker who can help with more specific needs.

      Regards,
      James

  5. Default Gravatar
    ShivaNovember 16, 2021

    I want to know which insurance company is good for courier service and uber drivers for my car.
    Thanks

    • Avatarfinder Customer Care
      JamesNovember 24, 2021Staff

      Hi Shiva,

      You may want to visit our guide to Rideshare and Uber Car Insurance to explore your options in more detail.

      Use the table to help you compare and choose. Then click the green Get Quote button (where available) to request a quote directly from the provider. If there is no green button, you can go to the provider’s website directly to request a quote.

      Don’t forget to read the policy’s Product Disclosure Statement (PDS) so that you’re aware of what you’re covered for, along with any exclusions or restrictions before applying.

      I hope this helps!

      Cheers,
      James

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