Both Coles and AAMI car insurance offer very similar levels of comprehensive cover. They're priced quite similarly as well, according to our research. Coles gives you Flybuys points though which could make them more appealing to some people.
Coles vs AAMI car insurance — compare key features
As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.
On average, AAMI typically offers cheaper car insurance than Coles. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.
State
NSW
QLD
SA
TAS
VIC
WA
Aus average
Coles
$1,405
$1,199
$1,262
$1,250
$1,501
$1,105
$1,287
AAMI
$1,884
$1,106
$1,015
$985
$1,318
$1,002
$1,218
These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.
AAMI scored 4.32/5 in Finder's Customer Satisfaction awards while Coles scored 4.19/5. Both have relatively poor scores on popular review websites though. Keep in mind though that people are more inclined to leave reviews only when they've had a negative experience.
Easy to use app, low premiums, easy to understand policies.
AAMI user, WA
Competitive pricing good service via the phone.
AAMI user, WA
Good value for money and friendly, helpful customer service.
AAMI user, SA
Great Customer service. Price very competitive and enjoy flybuys.
Coles user, WA
Coles Insurance offer very good rewards and has an application which is easy to use and good value.
Coles user, VIC
I recently had an accident and Coles were very helpful when I called them, arranging a tow truck smash repairer and hire car in just one phone call.
Coles user, SA
Coles and AAMI car insurance complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Coles (Insurance Australia Limited) and AAMI (AAI) have received and resolved.
Underwriter
Complaints recieved
Complaints resolved at registration & referral
Referral resolution rate
Insurance Australia Limited
1413
760
53.82%
AAI
2231
1370
61.43%
Finder's verdict
You can see from our breakdown that Coles and AAMI comprehensive car insurance offer pretty similar levels of cover. According to our research, Coles is slightly more expensive on average. You should get a quote from both though. There may be differences in price based on your age, gender and the car you drive. If you shop at Coles, then they could be a better option as you'll get double Flybuys Points.
Gary Ross Hunter is 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).
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