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Wagon comparison guide

How do different wagons compare, and what differentiates a wagon from an SUV and a hatchback? Find out in our wagon comparison guide.

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A wagon or estate can also go by its longer names, station wagon or estate wagon. In recent years, car manufacturers have come up with terms like sportback and avant to describe what is essentially the same body type. The three traditional words used interchangeably for this type of vehicle – station, wagon and estate – come from a specialised wagon solely used to transport people and their luggage between country estates and train stations. Yes, station wagons/estate wagons were originally wagons used as transport between country estates and train stations.

What is a wagon?

Wagons are large passenger cars that share many common features with SUVs, sedans and hatchbacks, making them difficult to distinguish at times. The main distinguishing feature of a wagon is that the roofline continues past the vehicle's rear doors. This extended roofline provides for a generous, full-sized storage compartment that is fully integrated into the passenger area, rather than being a separate compartment like in a hatchback or sedan. Accessible via the passenger cabin or via a full-sized rear door, you can easily expand this storage area by lowering or removing one or more of the rear seats.

The features of wagon models

While wagon models offer different specifications and accessories depending on the car manufacturer, most wagons share the following common features:

  • Extended roofline. This is the primary characteristic that differentiates a wagon from sedans, SUVs and hatchbacks. The roofline of a wagon extends past the rear passenger doors, with windows in the furthermost rear cabin.
  • Full-height storage area. Despite the similarities between hatchbacks and wagons, a hatchback's roof tends to slope downwards at the rear creating a tapered storage area, while a wagon's roof maintains a relatively constant height, creating a full-height storage area.
  • Shared passenger cargo cabin. Wagons feature a shared rear space for passenger seats and the cargo cabin, which you can access via an additional door rather than a boot lid.
  • Folding or removable seats. A key feature of a wagon is that you can either collape or remove the rear seats to customise or expand the rear storage space.

The advantages and disadvantages of wagons

Wagons are just one type of vehicle and have their share of advantages and disadvantages.

The advantages of a wagon include the following:

  • Storage space. Wagons may be based on a typical sedan model, but they far surpass sedans when it comes to cargo space. The dedicated cargo area and extended roofline of a wagon make for a large storage space, which you can extend by collapsing or removing the rear seats. The storage area also tends to be full height, unlike hatchbacks which usually feature a downward sloping roof.
  • Flexibility. With a shared passenger and cargo cabin area, you can reconfigure the interior of a wagon to prioritise passenger room, storage space or a mixture of both.
  • Passenger room. Wagons always have at least two rows of seats, with some models featuring a third full row which can be either forward-facing or rear-facing. As a passenger car, there is no need for wagons to skimp on legroom, ensuring your rear passengers are just as comfortable as those in the front seats.

The disadvantages of the wagon include the following:

  • Road noise. One of the clear advantages of a sedan is that its cargo area is walled off, creating a quieter ride than other vehicle types. Since one of the defining features of a wagon is that its cargo space forms part of the main passenger cabin, road noise can be significantly more noticeable. If there is a sedan version of the wagon you're considering, take both for a test drive and compare the features to satisfy yourself that you've made the right choice.
  • Headroom. Compared with SUVs, wagons are not as tall and don't have the same upright body structure, which can impact headroom to a small extent. For drivers and passengers of regular height, the difference could be negligible, but if you are specifically looking for increased headroom to accommodate taller passengers or cargo, a wagon could fall short when compared with an SUV.
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How to compare wagons

Once you've decided that a wagon could be the right choice for you, it's time to compare the different makes and models available in Australia.

When comparing wagons, consider the following:

  • Storage and passenger space. Having room for multiple passengers and having an extended storage space, it makes sense to choose a wagon that will provide the right mix of passenger and storage room. All wagons include collapsible or removable rear seats, so take the time to compare the seating options of different wagons in your price range to make sure that you'll be able to customise your car exactly the way you want.
  • Performance versus load capacity. If you're planning on regularly carrying heavy loads, a wagon with independent rear suspension can increase your load capacity but can come at the expense of straight-line performance. Understanding your needs before you choose a car can help you prioritise performance against load capacity.

Are wagons worth it?

Is a wagon the right vehicle choice for you? The answer will come down to the specific features you're looking for in your new car and how you plan to use it. Wagons are ideally suited for people with big transport needs – whether that means passengers, cargo or both. The flexibility of a wagon means that you can choose whether to increase the number of passengers or maximise storage space on a day-to-day basis, achieved by collapsing or removing rear seats as necessary.

Perhaps the most defining feature of a wagon is its full-sized storage area, with none of the roof tapering or floor contours found in hatchbacks or sedans. If you're looking for a larger car with plenty of room for passengers, the flexibility to change the way you use the car depending on your needs, and a full-sized storage area to maximise the amount of cargo you carry, a wagon could be an excellent choice.

Compare wagon finance

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1 - 19 of 19
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) View Details CTA Monthly Repayment
OurMoneyMarket Car Loan - Excellent Credit
From
6.57%
(fixed)
6.57%
Monthly Repayment
$920.43
Finder Exclusive: Apply by December 15th 2023 and if approved, OurMoneyMarket will waive the establishment fee for Excellent Credit Customers.
OurMoneyMarket New Car Loan
From
6.57%
(fixed)
7.19%
Monthly Repayment
$934.23
loans.com.au - New - Variable Rate Special
6.24%
(variable)
7.36%
Monthly Repayment
$936.14
NRMA New Car Loan
From
7.29%
(fixed)
8%
Monthly Repayment
$945.77
Note: Take out a loan for an eligible electric vehicle and receive a 1.5% discount on your personalised interest rate (interest rates start from 5.49% p.a. and comparison rates from 6.19% p.a.)
CarMoney New Car Loan
6.89%
(fixed)
8%
Monthly Repayment
$945.14
Finder Exclusive: Apply for and settle a car loan and get a $200 cashback. Limited time offer. Terms and conditions apply.
Stratton Finance New Car Loan
From
6.52%
(fixed)
6.95%
Monthly Repayment
$931.85
You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with.
Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
RACV New Car Loans
From
7.29%
(fixed)
8%
Monthly Repayment
$945.77
You'll receive a fixed rate from 7.29% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
loans.com.au - New - Fixed Rate Special
7.09%
(fixed)
8.21%
Monthly Repayment
$947.92
You'll receive a fixed rate of 7.09% p.a. based on your risk profile
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment.

OurMoneyMarket Used Car Loan - No Vehicle Age Limit
From
6.57%
(fixed)
7.19%
Monthly Repayment
$934.23
NRMA Used Car Loan
From
8.49%
(fixed)
9.21%
Monthly Repayment
$962.64
You'll receive a fixed rate from 8.49% p.a.
Finance a used car with NRMA and benefit from a fixed rate term and no monthly fees. Pre-approval available within 5 business hours.
CarMoney Used Car Loan
6.2%
(fixed)
6.71%
Monthly Repayment
$927.55
Stratton Finance Used Car Loan
From
6.52%
(fixed)
6.95%
Monthly Repayment
$931.85
You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a.
A used car loan of up to $300,000 with quick approval times and balloon payment options.
RACV Used Car Loans
From
8.49%
(fixed)
9.21%
Monthly Repayment
$962.64
You'll receive a fixed rate from 8.49% p.a.
Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.
loans.com.au - Variable Rate Used Car < 3 years
7.74%
(variable)
8.85%
Monthly Repayment
$956.98
loans.com.au - Variable Rate Used Car < 5 years
7.74%
(variable)
8.85%
Monthly Repayment
$956.98
loans.com.au - Fixed Rate Used Car < 3 years
From
8.09%
(fixed)
9.2%
Monthly Repayment
$961.89
loans.com.au - Fixed Rate Used Car < 5 years
From
8.29%
(fixed)
9.4%
Monthly Repayment
$964.7
loans.com.au - Fixed Rate Used Car Loan (6 to 7 years)
9.09%
(fixed)
10.2%
Monthly Repayment
$975.99
loans.com.au - Fixed Rate Used Car Loan (8+ years)
12.79%
(fixed)
13.9%
Monthly Repayment
$1,029.22
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Compare car insurance side-by-side and get quotes

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 30,000 Qantas Points with every Qantas Car Insurance policy you take out by 7 February. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
ROLLiN' Comprehensive
Agreed
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
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