- Best Value – 2023 Finder Award winner
- Very competitive on price
- 15% off online purchases
Car insurance in Western Australia can cover you for countless dangers on the road, whether it's windscreen damage from driving along the state's rural roads or the dreaded moment of being hit from behind while navigating the city's busy streets.
Whether you're after comprehensive cover or something more affordable like a third party policy, there are savings to be had.
According to the 2023 Finder Awards, Budget Direct is the best value comprehensive car insurance policy in WA. Keep in mind, while this is based on our detailed methodology, your personal circumstances may lead you to a different product. Always read the product disclosure statement (PDS) to understand if the policy is right for your needs.
Updated April 2023
There are 4 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.
To get the estimated costs below, we sourced quotes from 11 different providers using a driver profile with an address in Perth, WA.
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, among others. To confirm that a policy suits your needs, don't forget to check out the product disclosure dtatement (PDS).
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We reached out to everyday Western Australians to understand how satisfied they are with their car insurer. Respondents were asked whether they would recommend their insurer to a friend and how they’d rate them overall. Find out more about the Finder Customer Satisfaction Awards and how we worked out the overall scores here.
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You can access a similar range of car insurance in Perth, regional WA and the rest of Australia. This ensures 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 out the right cover.
Insurers consider a range of 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 chance 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 conducive to micro-sleeps while driving and other dangerous behaviour behind the wheel. 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 difference 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 car insurance in WA. The perfect option for one person might not be suitable for someone else. In many cases there are several ways to reduce your premiums.
There are a range of steps you can take to reduce the cost of car insurance.
Yes! It’s compulsory third party insurance and it’s mandatory.
This is a type of car insurance that covers injuries sustained on the road in motor vehicle accidents.
The scheme is centrally managed by the Insurance Commissioner of Western Australia (ICWA). Whenever you register a road vehicle or renew registration, a portion of the fees goes towards paying for your CTP insurance.
It’s a fault-based system, which means claiming your compensation, such as medical fees, rehabilitation costs, compensation for pain and suffering and loss of income as a result of the accident, is all about finding another party to be responsible.
The faulted party might be another motorist, a cyclist or a passenger who was in the car at the time.
The at-fault party will generally be on their own, and will not be able to claim compensation for injuries under this scheme.
The exception is catastrophic injuries which will typically require a lifetime of care, or have resulted in severe and permanent disability.
As of 1 July 2016, at-fault parties can now claim expenses for catastrophic injuries under this scheme.
CTP insurance is the only mandatory type of car insurance, but it will not cover property damage or damage to your own vehicle.
To cover liability for damage to other people’s property, you will need third party property car insurance.
To cover damage to your own vehicle, you will typically need comprehensive car insurance.
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