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Compare car insurance WA

Finder research of 34 insurers found a difference of $1,819 between the most expensive and the cheapest comprehensive car insurance in WA.

Top pick:
Best value
Budget Direct Comprehensive
Finder Award
  • Best Value – 2023 Finder Award winner
  • Very competitive on price
  • 15% off online purchases
Top pick:
Best price
Bingle Comprehensive
  • Cheapest comprehensive cover according to Finder Awards
  • Good if you want cheap cover for the essentials
  • Cover for damage to car, fire, theft and more
Top pick:
Best features
Qantas Comprehensive
  • Competitive on cover limits on personal belongings, keys and more
  • Cost-effective – it’s cheaper than the WA average
  • Grow your Qantas Points balance – earn up to 30k extra points

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.

Compare car insurance WA

1 - 7 of 34
Name Product Roadside assistance Accidental damage Storm Choice of repairer Agreed or market value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: The 2023 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $100 off your first year's comprehensive car insurance premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
Bingle Comprehensive
Market
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $115 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly kogan.com credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). .

⭐ Current offer: Earn up to 50,000 Qantas Points with every Qantas Car Insurance policy you take out by 5 December. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
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Best car insurance in Western Australia

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.

Top pick for value: Budget Direct comprehensive car insurance

Budget Direct car insurance

What we like about Budget Direct:

  • 2023 Finder Awards winner for Best Value Car Insurance. Budget Direct's use of a smarter questionnaire identifies safer drivers so they can save on premiums. Plus, you get more ways to save with a 15% discount when you sign up online, a low kilometres policy and a driver-age restriction.
  • Budget Direct's prices stand strong against other budget brands, plus you'll find a whole lot more included in your policy. With cover for up to $1,000 to replace stolen keys, $1,000 for a hire car if yours is stolen and $500 for personal items that are stolen from your car, Budget Direct can offer great value.
  • All hail Hail Hero. If even the suggestion of a storm sends shivers down your spine, then Budget Direct's impressive hail-tracking and warning system could be just the peace of mind you've been seeking.
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Top pick for price: Bingle comprehensive car insurance

Bingle car insurance logo

What we like about Bingle:

  • Bingle is the cheapest comprehensive car insurance in WA out of 34 providers we researched as part of the Finder Awards.
  • It's because it covers the essentials and no more. This includes damage to your car, including fires, theft, floods and accidents, as well as accidental damage to other people's cars and property.
  • Because it’s cheap, you'll have to pay extra if you want things such as windscreen cover and a hire car after an accident.
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Top pick for features: Qantas comprehensive car insurance

Qantas

What we like about Qantas:

  • Qantas was highly commended in the national 2023 Finder Car Insurance Awards for best features. It placed in the top 3 for features out of the 34 eligible comprehensive policies we analysed.
  • Qantas policies are underwritten by Auto & General, a major global insurer. This will bring added peace of mind for some. Budget Direct shares the same underwriter, but it doesn't offer a points program.
  • It's cheaper than average, despite covering more than most. According to our awards research, the average cost of a comprehensive policy in WA is $1,279 per year. A Qantas comprehensive car insurance policy is $967 per year – that's $312 less than average.
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Updated April 2023

Types of car insurance in WA

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.

  • CTP. The bare essentials. Everyone in WA is required, by law, to have compulsory third party insurance. If you injure someone on the road, CTP will pay for their medical expenses.
  • Third party. If you damage someone else's car – or property – while driving, third party insurance will pay for the repairs. It won't pay to fix your car though.
  • Third party fire and theft. Covers damage to other cars and property, like third party insurance. It also pays out if your car is stolen or damaged by fire.
  • Comprehensive. The only car insurance which covers the cost of repairs to your vehicle if you're in an accident. Comprehensive also pays out for weather damage, vandalism and more.

Who has the cheapest car insurance in Western Australia?

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).

The 3 cheapest car insurers in Western Australia according to our criteria

BrandPriceApply
Bingle logo$669Get a quote
Rollin' car insurance$717More info
AAMI$816More info

How much does car insurance cost in WA?

AgeAverage cost
20$1,906
30$1,161
40$993
50$900
60$809

Expert tip to save on your car insurance

The simplest way to save on your car insurance is to take action by comparing a range of quotes. Don't let your policy renew automatically. It’s like throwing money down the drain. Prices change all the time – how can you be sure the deal you signed up to 12 months ago is still comparatively cheap today?

Best rated car insurance brands in WA

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.

BrandScore (out of 5)
Bupa4.69
Westpac4.68
St.George4.66
NAB4.65
Commonwealth Bank4.60

Which 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 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.

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

Insurers consider a range of 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 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.

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 from, such as excess-free windscreen and glass replacements. They might raise costs, 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.

Do I need CTP insurance in Western Australia?

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.

How does CTP work in WA?

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.

Do I need any other cover?

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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