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How to find the right car insurance

Easily compare car insurance policies side-by-side, click through for quotes and see how much you could save.

Tips to save on car insurance

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Choose a higher excess

Your excess is the amount you pay towards a claim. Most insurers let you choose from a range of excesses. The higher the excess, the cheaper your premiums will be.

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Apply a driver restriction

Some insurers let you add restrictions to who is covered under your policy. For example, Budget Direct let you restrict your policy to drivers over a certain age: 21+, 25+, 30+, 40+, 50+. In return, your premiums will be cheaper.

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Drive less, pay less

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

3 reasons why you should compare car insurance

Number 1

It's the law

Compulsory Third Party (CTP) insurance is a legal requirement in Australia. At the very minimum, you need to get this. It protects you from legal and medical costs if you injury or kill someone in a car accident.

Number 2

To protect yourself from expensive bills

Even if you own a cheap car, there's a chance you could hit something expensive. Third party car insurance can cover you if you damage someone else's car or property. It's generally cheaper than comprehensive car insurance too.

Number 3

To protect your own car

Comprehensive car insurance is the only type of cover to protect your own car as well as damage to other people, vehicles and property. It doesn't just cover accidents either; it can cover costs caused by fire, storms, hail damage and theft.

Find the right car insurance policy for you

1 - 11 of 37
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value Pay Monthly at No Extra Cost
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.
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.
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.
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.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Australia Post car insurance offers comprehensive cover for things like theft, fire, new for old replacement and emergency accommodation and transport. Cover also extends to anyone who uses your car, not just you.

⭐ Current offer: Get $75 off your first year’s premium when you buy online. T&Cs apply.

Who it might be good for: If multiple people use the one car and you don’t want to worry about listing all drivers.
Woolworths Comprehensive
Optional
Agreed or Market
Finder's summary: Woolworths has some unique perks like a price-beat guarantee where it'll beat any current comparable comprehensive renewal notice if you're over 25. You can also get 10% off your grocery shop once a month and can add roadside assistance onto your policy for just $7.33 per month.

⭐ Current offer: Save up to 15% when you buy online. T&Cs apply.

Who it might be good for: Woolworths shoppers and those that want to take advantage of its price-beat guarantee.
Club Comprehensive 4x4 Insurance
Optional
Agreed or Market
Finder's summary: With Club 4X4, you can take advantage of Australia-wide cover for your 4WDs or 4x4. Importantly, insurance extends to modifications and accessories. Also, get peace of mind with personal effects cover of up to $2,000, plus, $1500 towards the cost of recovering your off-road vehicle if you get in trouble.

⭐ Current offer: Get a free 12-month subscription to Pat Callinan’s MR 4x4 App.

Who it might be good for: People looking for wide-ranging protection ahead of their next driving adventure.
Bendigo Bank Comprehensive
Agreed or Market
Finder's summary: Bendigo Bank’s comprehensive policy offers up to $30 million in liability insurance, cover for your personal items and the option of a replacement car if your vehicle is being repaired after an accident.

Who it might be good for: Those who seek the peace of mind that comes with high legal liability and a range of cover benefits.
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: ahm and Medibank health members get up to 15% off when they purchase a new car insurance policy. T&Cs apply.

Who it might be good for: People who drive less than 15,000 km per year.
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