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Stella car insurance review

Stella has good benefits but is on the more expensive end of the scale. It also lacks customisation options in certain areas.

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Stella Insurance
Stella is currently in the process of refining its new car insurance product. If you're an existing customer, you should receive communication from them before your policy expires with information on what to do next.
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Our verdict


  • You can save 17% on your premium if you pay annually.
  • Stella's comprehensive car insurance policy includes a new car replacement if yours is written off in the first 3 years of registration. Other insurers cap this at the first 2 years.
  • Stella will waive the excess if your car is damaged in a domestic violence incident - check the PDS for full details.


  • We compared 37 comprehensive car insurance policies. On average, 29 brands offered cheaper comprehensive cover than Stella.
  • Stella's product disclosure statement includes vague terminology like 'reasonable costs'. This makes it difficult to know exactly what exactly you're covered for.
  • Some common customisations aren't available. For example, you can't choose your own repairer and you can only insure your car for agreed value, not market.


We compared hundreds of quotes from 37 different car insurance brands. On average, Stella was among the most expensive, with 29 brands offering cheaper car insurance. See how Stella stacks up below. Keep in mind, quotes depend on your personal circumstances so your own will differ to those below. This has been based on a fictional driver profile.

InsurerNSWQLDSATASVICWAAustralia averageApply
Stella car insurance logo$1,537$1,314$1,527$1,330$2,085$1,663$1,576More info
Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
AAMI$1,533$912$874$811$1,054$816$1,000More info

About our car insurance methodology

Stella car insurance policy options

Stella exclusively offers comprehensive car insurance. If you're looking for third party or third party fire and theft cover - for example, your car may be low-value - you'll have to look elsewhere.

What additional cover options are available?

Stella offers some optional extras so you can strengthen your policy, if you prefer.

Roadside assistance. Australia-wide roadside assistance with unlimited call-outs 24/7, 365 days a year. Covers flat batteries, emergency fuel, flat tyres, lost or locked-in keys, towing, minor technical advice and more.

No-excess windscreen. Avoid paying an excess if your car's windscreen, sunroof or window glass is damaged in an insured incident and requires replacement.

Hire-car after at-fault accident. Extend your hire car benefits to include situations when you were at fault and your car is out of action. Reasonable costs are covered for up to two weeks.

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