Western Australia Map

Car Insurance WA

Need car insurance in Western Australia? Know the requirements and find the right cover.

There are three steps to getting car insurance in WA.

  • Compulsory Third Party (CTP) insurance. This is mandatory medical insurance for accidents on the road. CTP insurance in WA is automatically built into your car registration costs.
  • Choose your damage and liability cover. In addition to CTP cover, you need to choose the type of car damage and liability insurance that works for you.
  • Compare and buy online. Once you’ve found the right policy, compare it with other options and buy online. Your car is now fully insured, and you’re good to go.

Ready to compare car insurance policies for Western Australia?

Details Features
Comprehensive
Comprehensive
Save 24% on your policy if you've been claim free for 3 years.
  • Discounts: No
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $50 a day
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 15% when you buy online.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10%. Price-beat guarantee for drivers aged over 25.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Complete a quote but don't end up switching? You'll still get 100 YouiDollars.
  • Discounts: If you complete a quote but don’t switch you get 100 YouiDollars
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - Reasonable costs for 14 days
  • Choice of repairer: Yes
  • Roadside assistance: Yes
Get Quote More info
Comprehensive
Comprehensive
Buy online and save up to 10% on your policy.
  • Discounts: Save up to 10% when you buy online
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info
Price Saver (Comprehensive)
Price Saver (Comprehensive)
New customers can receive up to 10,000 Velocity Frequent Flyer points. Ends 28 Feb 2018.
  • Discounts: Buy online and save 15%
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $1,000 (limit 14 days)
  • Choice of repairer: Yes
  • Roadside assistance: Optional
Get Quote More info
Comprehensive
Comprehensive
Transforms your driving so it's 100% carbon neutral.
  • Discounts: No
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $70 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: No
Get Quote More info
Comprehensive
Comprehensive
Save up to 10% when you buy online.
  • Discounts: Buy online and save up to 10%
  • Pay monthly at no extra cost
  • Hire car after theft: Yes - up to $100 a day for up to 30 days
  • Choice of repairer: Yes
  • Roadside assistance: No
Get Quote More info
Comprehensive - Elegant Cover
Comprehensive - Elegant Cover
Save up to 20% when you purchase online.
  • Discounts: Save up to 20% when you purchase online
  • Pay monthly at an extra cost
  • Hire car after theft: Yes - up to $60 a day for up to 14 days
  • Choice of repairer: No
  • Roadside assistance: Optional
Get Quote More info

What types of car insurance can I get in WA?

While CTP protects you from the cost of medical expenses incurred because of an accident, it will not cover the cost of damage of other cars or property. This is where standard car insurance comes in. For everyone, the best car insurance in WA will be a policy that delivers the right blend of cost and cover for their needs.

Third party propertyThird party property, fire and theftComprehensive
Personal liability
  • Yes
  • Yes
  • Yes
Protection for your car
  • No
  • Cover for fire damage and theft
  • Comprehensive protection from many forms of damage
  • Personal liability: Personal liability expenses result from damage to cars or other drivers in an accident. Any type of car insurance with personal liability cover will include cover for this.
  • Protection for your car: Different policies will deliver varying types of protection. Get protection from fire and theft - the two most common hazards - with a fire and theft policy. Alternatively, choose wide-ranging cover with comprehensive car insurance or highly affordable personal-liability-only insurance with a third party property policy.

A good first step is making sure you're considering the right kind of cover.

How much does car insurance cost in WA?

The more likely you are to make a claim, the higher your premiums will be. Premiums are affected by your age, your gender, your driving history, how likely your car is to be stolen and many other factors that are known to impact accident rates.

  • WA has middle-of-the-road car insurance prices relative to the rest of Australia. It’s not the cheapest state, but it’s far from the most expensive.

Rounded average annual cost of comprehensive car insurance for recent model cars in WA

Under 2525 to 2930 to 4445+
Annual premiums
  • $1,620
  • $850
  • $680
  • $600
  • Stamp duty: Different financial services are taxed at different levels around Australia. In WA, the stamp duty tax is 10% of premiums. This fee is typically added to the cost of your premiums.

What car insurers can I access in WA?

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.

Why is the cost of car insurance different in Perth to the rest of Western Australia?

Insurers consider a range of different factors when setting car insurance premiums. These include:

  • The make and model of the car
  • The driver's age, gender and previous driving history
  • The range of anti-theft features on your car or garage, and whether the car is parked under cover or not
  • Your location

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.

How to lower the cost of car insurance in WA

There are a range of steps you can take to reduce the cost of car insurance.

  • Reconsider your cover needs. If you have an old or beat-up car, it might not need comprehensive cover.
  • Look for online discounts. Simply by buying online you can find significantly cheaper car insurance.
  • Increase your excess. A higher excess can significantly reduce your car insurance premiums.
  • Check your car insurance options. There are a range of options to choose form, such as excess-free windscreen and glass replacements. They might raise costs however, so you may want to look for cover that doesn't automatically include it.
  • Shop around. If your car insurance premiums are increasing, there might be a better option somewhere else. It might be worth switching car insurance instead of renewing.

What should I look for in a car insurance policy?

Consider how some of the insurers differ to get a sense of what your ideal car insurance policy might look like, and get quotes to compare on price.


Get the latest car insurance news

Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question