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.
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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
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.
To determine our 2023 Finder Award winners, our data team analysed 41 of Australia's most popular car insurance policies and got over 1,000 quotes from 36 customer profiles of varying age, gender and location.
We then filtered this data to look solely at WA. Budget Direct performed the best.
Top pick for price: Bingle comprehensive car insurance
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.
We got over 1,000 quotes based on 36 different driver profiles as part of our Finder Awards. We then filtered this data to look solely at WA. The car model we used for all quotes was a 2018 Toyota Corolla Ascent 4 Door Sedan. Bingle scored a perfect 10/10 score for price.
Top pick for features: Qantas comprehensive car insurance
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.
We got over 1,000 quotes using 36 different driver profiles as part of the Finder Car Insurance Awards. We then filtered this data to look exclusively at WA.
Stuck on who to choose? These 3 providers were ranked as the top 3 comprehensive providers for best value in our 2023 Finder Awards when looking at Western Australia.
Scores are based on our methodology. Your circumstances may differ.
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.
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
As part of the Finder Car Insurance Awards, we collected over 1,000 quotes using 36 different driver profiles, including different ages, genders and locations. To determine these top 3 providers, we filtered the data to look at all age groups and genders in WA. While the above is based on our detailed methodology, what’s best for you may differ based on your personal circumstances. Always read the PDS to know if the policy is right for your needs.
How much does car insurance cost in WA?
Age
Average cost
20
$1,906
30
$1,161
40
$993
50
$900
60
$809
To get these average costs, we got quotes from 34 popular car insurers in Australia, using a Western Australian address. For 20-year-olds, quotes were gathered for male and female drivers. For 30-, 40-, 50- and 60-year-olds quotes were gathered for one gender. To see the car and driver profile used in these quotes, see our car insurance methodology
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?
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.
Brand
Score (out of 5)
Bupa
4.69
Westpac
4.68
St.George
4.66
NAB
4.65
Commonwealth Bank
4.60
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.
You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Frequently asked questions
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. Cover your bases and 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:
Increase your excess.A higher excess can dramatically reduce your car insurance premiums.
Check your car insurance options. There are a number 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 them.
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.
There are 4 types of car insurance in Western Australia. They range from compulsory third party (CTP), which is a legal requirement, up to comprehensive, which will cover both your car and third party damage.
1. 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.
2. Third party property damage. If you damage someone else's car – or property – while driving, third party property damage insurance will pay for the repairs. It won't pay to fix your car, though.
3. 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.
4. 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.
Compulsory third party insurance is the only mandatory type of car insurance in WA. This is a type of car insurance that covers injuries sustained on the road in motor vehicle accidents.
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146).
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