Budget Direct Car Insurance
- 15% discount on first year's premium
- New car replacement
- $20 million legal liability cover
Budget Direct Car Insurance
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There are countless dangers on Western Australia's roads - luckily, car insurance can help. From hail damage and dented bodywork, to fender benders and even theft, you can get car insurance which covers it all.
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There are four types of car insurance available in Western Australia. Compulsory third party (CTP) is a legal requirement, but you can choose whether to bolster your cover by adding another type.
Where possible, we analysed quotes from 38 car insurance companies where possible and found the 3 cheapest providers based on their average cost for a comprehensive car insurance policy in Western Australia for 6 personas .For full methodology on our Finder Awards 2019, head here.
Keep in mind that there's no single insurer that will be the cheapest for everyone in Western Australia. Your cost might be very different to others as it's dependent on a bunch of factors, like your age, your gender, and your driving history, amongst others. To confirm that a policy suits your needs, don't forget to check out the Product Disclosure Statement.
Brand | Price | Apply |
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![]() | $536.89 | Get quote |
![]() | $566.31 | Get quote |
![]() | $577.87 | More info |
There's no set best car insurance in WA (or even in Australia!) as your own circumstances will influence what policy is right for you. Before you sign along the dotted line, don't just consider the cost of your policy, but also what you're actually covered for and what you think you'll need. Some examples include roadside assistance, new car replacement, a choice of repairer, and whether agreed or market value is available, amongst others.
You can access a similar range of car insurance in Perth, regional WA and the rest of Australia. This makes sure you can be covered all around the country. The finder.com.au car insurance panel lets you compare options from some of the nation’s top insurers, so you can compare features side by side and get quotes to find cover that works for you.
Start comparing and getting quotes, or read on to learn more about picking the out the right cover.
Insurers consider a range of different factors when setting car insurance premiums. These include:
All the factors can make a significant difference, but location can be especially important because it affects a wide range of risk factors. In the heart of Perth, for example, all the other traffic on the roads can significantly increase the change of vehicle collisions, compared to other parts of the state.
Other drivers can also affect your car insurance, because they all contribute to other overall risk levels and accident statistics. Western Australia's long distances and wide ranges, for example, might be constricting to micro-sleeps while driving, and other dangerous behaviour behind the wheel, and Western Australia in particular seems to have riskier drivers.
Meanwhile, drivers in country areas are naturally at much greater risk of hitting kangaroos, and might also tend to drive longer distances on a regular basis. Cars in some parts of Perth might also be at higher risk of theft or vandalism. In these locations, parking in a locked garage overnight and installing anti-theft measures might significantly reduce your car insurance premiums, while it might not make as much of a different in regional WA.
The effect of these is largely down to how different insurers consider the risks, so it can pay to shop around for an insurer that offers favourable premiums for your situation. Many other factors are also subject to similar variations.
For example, one insurer might have an especially cost-effective repair and spare parts network for one particular brand, and therefore might offer lower premiums for drivers of those kinds of cars.
There are so many factors in play that it's difficult to say which one has the best value for money car insurance in WA. The perfect option for one person might not be suitable for someone else. In many cases, however, there are several ways to reduce your premiums.
There are a range of steps you can take to reduce the cost of car insurance.
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Alexandra Koster is Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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