Car Insurance WA

Western Australians speed and drink-drive more than other states. With neighbours like that, you definitely need car insurance in WA.

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When you’re insured, you and your car will be protected from the road hazards all around you, like the uninsured drink driver who rear-ends you or the P-plater who sideswipes you from the passing lane. Plus you’re protected from weather damage, theft and even damage you inadvertently cause when you bang into a pole in your blind spot.

Stuck on who to choose? The 3 most popular car insurers for Western Australians on Finder are:
1. Budget Direct
2. Bingle
3. Youi
Based on clicks to active policies on this page from August 2019 - January 2020

Compare car insurance for Western Australia

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Bingle Comprehensive
Budget Direct Comprehensive
Agreed or Market
Buy online and save 15%.
Youi Comprehensive
Agreed or Market
Emergency roadside assistance included in Comprehensive policies.
Coles Comprehensive
Agreed or Market
Save 10% when you buy online + collect double flybuys points at Coles Supermarkets. T&Cs apply.
Virgin Comprehensive
Save 15% when purchasing online. Plus earn 5,000 Velocity Points when purchasing a new eligible policy by 29 April 2020. T&Cs apply.
Qantas Comprehensive
Agreed or Market
Earn up to 20,000 Qantas Points when you sign up. Ends 19 February 2020. T&Cs apply.
Woolworths Comprehensive
Agreed or Market
Buy online and save up to 15%. Price-beat guarantee for drivers aged over 25. T&Cs apply.
Real Comprehensive
Save up to 10% when you buy online.

Compare up to 4 providers

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.

We analysed quotes from 38 car insurance companies and found the average cost for a comprehensive car insurance policy in Western Australia for 4 personas .

Type of Driver
Average Cost/Year
Cheapest Price We Found
24 Year Old Male
$917: Bingle
Get quote
35 Year Old Male
$585: Bingle
Get quote
46 Year Old Female
$522: Bingle
Get quote
70 Year Old Female
$456: Bingle
Get quote

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

StateAverage Monthly Cost
Western Australia$107.25
South Australia$118.39
New South Wales$160.54
  • 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 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.

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 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.

Western Australia car theft statistics

According to The National Motor Vehicle Theft Reduction Council (NMVTRC), Western Australia lays claim to 14.5% of all national car thefts. The number stolen was 7,643. For every 1,000 cars registered, 3.34 will be stolen. 2017 saw an increase in passenger/light commercial vehicles stolen and motorcycles taken. The figures were offset by a marked drop in other categories.

During the year, Western Australia had a 12% decrease in car crime, the last 3 years the figures have remained fairly even.

Which vehicles did thieves steal the most?

Western Australian thieves favoured Holden Commodores, one of the staples amongst criminals nationally.

The top five stolen vehicles were:

  • Holden Commodore VE 2006-2013
  • Ford Falcon BA 2002-2005
  • Holden Commodore VY 2002 - 2004

Where were vehicles taken?

The worst-hit areas for car thefts in Western Australia are:

  • Stirling (621)
  • Wanneroo (446)
  • Rockingham (424)
  • Gosnells (423)
  • Swan (409)

What time are vehicles most likely to be taken?

Thieves were most active on Friday nights, between the hours of 16:00 and 19:59. From 22:00 to 22:59 is also a peak time.

Watch: What kind of car insurance do you need?

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Picture: GettyImages

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