Best Car Insurance

Based on 28,740 reviews
Location
Brand
Rating
Coverage Type
Roadside Assistance
Reduced or Zero Excess Windscreen Cover
Inclusions
Benefits

Seniors Car Insurance

Seniors Car Insurance 🏆 2026

4.8 
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TruptiWA
  Verified

I spoke to Kieran and he was amazing. He called me many times and followed up with a very competitive quote. Very knowledgeable and offered excellent service he’s an asset to your organisation Show details

AWN Insurance (Australian Warranty Network)

AWN Insurance (Australian Warranty Network) 🏆 2026

4.9 
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Steven W.SA
  Fair Incentive Verified

Quick to process the claim. Excellent communication on the phone. Show details

Youi Car Insurance

Youi Car Insurance

3.9 
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brian h.ACT
 

stuck on side of road , called youi and tow truck came straight away , great tow truck operater very helpful and polite. thanks youi Show details

Integrity Extended Warranties

Integrity Extended Warranties

4.3 
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mohsin ali s.VIC
 

Thia was my first claim through integerity warranty company. That was amazing through the whole process. Mechanic directly put the claimto the company and they fixed it within a day. Unbelievable, very happy with the customer service. Show details

Budget Direct Car Insurance

Budget Direct Car Insurance

3.6 
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Valerie2 posts
 

More than happy with the ease of setting up my policy, and of course more than happy with the premium price Show details

Presidian Group

Presidian Group

4.5 
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Milad N.VIC
 

The Presidian group have been always committed, fast and very helpful whenever I needed the mechanic to claim for my warranty from them, and all the claims have been finalised quickly and in a good will so far, I highly recommend them. Show details

TrueCover Car Insurance

TrueCover Car Insurance

5.0 
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JulianaQueensland
 

I'm so happy with true cover I didn't wait too long for someone to take my call and also someone to come over to fix my tyre. Show details

QBE Car Insurance

QBE Car Insurance

3.8 
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mykky3 posts
 

Very simple procedure to get a very competitive quote and buy the policy Show details

Real Car Insurance

Real Car Insurance

3.8 
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MichaelWA
 

The site was very easy to deal with. There was a couple of questions I didn’t understand. Show details

ahm Car Insurance

ahm Car Insurance

4.3 
Summary
Jeremy W.WA3 posts
  Verified

Setting up my car insurance is quick & easy all done online Show details

Oceania Insurance

Oceania Insurance

4.5 
Summary
KuraACT
 

easy online process, competitive on price, feed back about process Show details

Everyday Car Insurance

Everyday Car Insurance

3.4 
Summary
Pam2 posts
 

Under Woolworths car insurance promotion, it offers new customers 1,000 reward points every month for 12 months. When I purchased the policy online &… Read more

put in the promotion code. But after 3 months, the offer still NOT honoured.

I called them, the rep said,”I didn’t put in the promotion code”. I said,”Woolworths should not do this dirty trick to lure new customers, it has no excuses to deny the claim”! Then the rep said, I need to cancel the existing policy, and create a new policy to claim the reward points also the premium may different. What a NOT laughing joke! it wasted me an hour on the phone to answer all the questions to create the new policy!

Is this the tactics for Woolworths to mislead customers and deny the claim ???!!!

Kogan Car Insurance

Kogan Car Insurance

4.4 
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Nikhil Kumar M.NSW9 posts
 

It's stupid. Quoted $5000 for comprehensive with agreed value of $8010 with excess $1000 including windscreen, car hire. others are quoting around $2000 and less Show details

Kogan Insurance
Kogan Insurance    

Hi Nikhil, sorry to see your quote was too high.… Read more

Huddle Car Insurance

Huddle Car Insurance

3.5 
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carlQLD
 

Horrific! Not only did they try to overcharge me double excess when i made a claim, but when i came to cancel a renewal, they failed to cancel my… Read more

policy, took over $1,000 out of my account a week later and refused to payback premiums paid AFTER I had sold the car because the proof of transfer that i got DIRECTLY from Queensland Transport was deemed 'insufficient proof'. Whats worse, there is no phone number, just an AI Chat bot which refuses to get somebody to call you and merely advises somebody will review with 2 business days'. Nothing but a bunch of common thieves and scammers. Avoid at ALL costs!

Huddle Insurance
Huddle Insurance    

Thanks for taking the time to leave us a review.… Read more

Toyota Motor Vehicle Insurance

Toyota Motor Vehicle Insurance

3.1 
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SamNSW
 

The worst insurance experience I have ever had — I would not recommend Toyota Insurance I genuinely cannot believe the experience I have had with… Read more

Toyota Insurance and KINTO. What should have been a straightforward insurance repair has turned into weeks of delays, safety concerns, inconvenience and, in my view, completely unacceptable handling of the situation.

My vehicle has been with the repairer for approximately six weeks. I was then contacted by the repairer and told they had failed to realise that the front grille of my vehicle contains a camera, so the required part had not been ordered.

This camera is not simply cosmetic — it is associated with a number of the vehicle's safety systems.

I was then advised that obtaining the required part would take approximately another eight weeks.

Despite this, I was expected to collect the vehicle and drive it while waiting for the part, with safety features potentially unavailable. I refused. I advised Toyota that I would not accept the vehicle until it was fully repaired, unless Toyota was prepared to confirm in writing what responsibility it would accept for the vehicle in its incomplete condition. I also offered for the vehicle to be transported to my home by tow truck if the repairer needed the space.

Unfortunately, that was only the beginning.

Because I needed transport, Toyota arranged a KINTO rental vehicle for me.

I attended the first location to collect the rental and found a vehicle containing other people's shirts, coffee cups and rubbish. Even staff at the location indicated that I should not take the vehicle.

After contacting Toyota again, I was directed to another location approximately 30 minutes away to collect a second vehicle.

The second vehicle was reasonably clean but had numerous scratches and existing damage, which I photographed before driving away.

On the second day, while refueling the vehicle, I noticed what appeared to be severely worn tyres, particularly the front-left tire, with significant wear on the outer edge. I considered the condition unsafe and stopped using the vehicle.

I contacted Toyota and was effectively given two options:

Travel to a third location to exchange the vehicle, at further inconvenience and expense to myself; or Take the vehicle to Bob Jane T-Marts myself and arrange for the tires to be replaced on Toyota/KINTO's account.

I find both options extraordinary.

I am Toyota's customer. I am not Toyota's employee, vehicle inspector or fleet manager. I should not have to take time off work and drive a vehicle I believe may be unsafe so that Toyota/KINTO can rectify an issue that should have been identified before the rental vehicle was supplied to me.

I asked Toyota to bring a replacement vehicle to me and exchange it. Alternatively, I asked them to confirm in writing the responsibility they would accept if they expected me to drive the vehicle in its current condition to have the tires replaced or exchange the car.

They would not provide that confirmation.

This situation has now continued for more than a week. I have a rental vehicle that I do not consider safe to drive, while my own vehicle remains at the repairer and I am being asked to accept it before the repair is fully completed.

I have now lodged a formal complaint with AFCA regarding Toyota Insurance and a complaint with the relevant Fair-Trading authority regarding KINTO.

After everything that has occurred, Toyota's response has essentially been that my complaint has been referred to its resolution team and that someone may contact me within 30 days.

Thirty days.

Meanwhile, I am left without a vehicle that I consider safe and properly repaired, despite paying for insurance and expecting Toyota to properly manage my claim.

I am deliberately documenting the facts of my experience rather than making conclusions about whether particular conduct is unlawful. Those matters can be considered by the appropriate regulators.

However, from a customer's perspective, the way this has been handled has been completely unacceptable.

The repeated failures, lack of urgency, safety concerns, inconvenience and apparent expectation that I should personally solve problems with vehicles supplied to me have made this the worst insurance experience I have ever had.

Based on my experience, I could not recommend Toyota Insurance or KINTO to anyone.

Allianz Car Insurance

Allianz Car Insurance

2.5 
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Samantha93NSW2 posts
 

renewed my Green Slip with Allianz on Thursday, and the payment was taken from my account that day. When I checked my account on Friday, I discovered… Read more

the exact same amount had been taken out again. This left me with no money for the weekend and, with two young children, I was unable to afford food for them. I contacted Allianz immediately and explained the seriousness of the situation to Sam from the Adelaide contact centre. I was told that nothing could be done until Monday. I asked to speak with a team leader and was initially told there were none were working. I was then told supervisors were working, but that Sam was unable to transfer me. I specifically asked to speak with his supervisor, Joe, and even offered to wait, but I was still refused the opportunity to speak with anyone who could assist. After spending more than 40 minutes on the phone, I was still left without my money and without any resolution or meaningful assistance. I understand that mistakes can happen, but what matters is how a company responds when something goes wrong. In this situation, I felt completely dismissed despite explaining that this duplicate payment had left my family without money for essential food over the weekend. Very disappointing customer service and an extremely frustrating experience. I expected much better from a company like Allianz.

PD Car Insurance

PD Car Insurance

2.8 
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TrevorWA7 posts
 

Please do not insure your car with PD Insurance. The service is poor. They sent me to various panel beaters who would not quote the repairs, the… Read more

panel beaters were not impressed by PD Insurance, they told me it will take weeks for them to process the quote even if they did quote it. Eventually I went to a panel beater who quoted it but I had to pay $35 for the quote. PD Insurance refused to reimburse me for the quote. I say again do not insure your car with them.

RACV Car Insurance

RACV Car Insurance

2.4 
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Geoffrey
  Verified

Cant pay quarterly Expensive for a pensioner Cost to pay monthly is extreme Show details

Enthusiast Motor Insurance

Enthusiast Motor Insurance

3.6 
Summary
Georg4 posts
 

We’ve taken out a new policy with Helen for our Suzuki Spacia (I think she’s from New Zealand). She was so kind and helpful; she’s a real enthusiast. Thank you, Helen. Georg and Claudia Neuhaus, Brisbane Show details

eric insurance

eric insurance

2.7 
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Avoid Eric ex. WarrantyVIC5 posts
  Fair Incentive Verified

AVOID AT ALL COST ! UNETHICAL COMPANY They do NOT honor their policies. I spent $2000 plus on additional car warranty insurance. When I attempted to… Read more

make a claim. Extremely hard to contact and then when I finally did they revoked their initial policy terms. Refer to my warrant attached below

Lexus Insurance

Lexus Insurance

3.6 
Summary
Neil DrakefordNSW
 

I found Lexus was outstanding in repairing my car and returning it to me in a timely manner and it original condition. The whole process was trouble free and proceeded seamlessly. Excellent effort Lexus. Show details

PowerTorque Insurance

PowerTorque Insurance

3.8 
Summary
Ken2 posts
 

totally surprised by how easy the claim and repair process was completed Show details

Carpeesh

Carpeesh

2.3 
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NardiaNSW2 posts
 

Do not use this company! They are deceptive, poor customer service, even when you call to enquire about specific details of the cover they evade the… Read more

question and it is not until you need to make a claim you find out the truth.

Lesson learnt to go with more reputable companies! You get what you pay for!

Carpeesh
Carpeesh    

Hi Nardia we are here to assist you with your claim. I… Read more (+1 reply)

RAC Car Insurance

RAC Car Insurance

1.9 
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Shane JacobWA4 posts
 

So I purchased a Black Edition Amarock. When I took out the policy the “black edition” doesn’t show but all other details match. So picked up the… Read more

car. Called RAC whilst driving the car out of the car yard to explain “black edition” needs to show on the policy. The guy says he can make a note of that so when I asked if he can email confirmation they don’t do that. When I asked if I had an accident would the car be covered. Short answer was probably not. So asked for a team leader who could not have been more rude if she tried. Basically as they don’t have a black edition in their system it’s not covered. When I said that’s not good enough as I was driving the car by now and said I’d cancel all my policies with them she simply said would you like me to cancel them now while you are on the phone. No effort to be helpful and knowing I was now driving an uninsured car was not a great experience. The lady I was dealing with was a team leader and didn’t give a d#mn about my experience. I won’t be using RAC in the future for anything their customer service is appalling

APIA Car Insurance

APIA Car Insurance

1.9 
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SimbenotVIC8 posts
 

Not only a total waste of money but they actually block access to your vehicle so you cant get real help to fix it and its only been two months with… Read more

zero contact and more money demands. They dont allow any independant oversight. Better off spending your money on repairs yourself and not having car insurance.

AAMI Car Insurance

AAMI Car Insurance

1.6 
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MehranVIC5 posts
 

They are absolutely slow, the repairer gave them a qoute and after a week, still they haven't decided if they want to authorise the payment or write it off, called them twice last few days, no action, still pending, very frustrating Show details

NRMA Car Insurance

NRMA Car Insurance

1.6 
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Piztol12 posts
 

From my car being hit, to NRMA arranging someone to tow the car, to the authorization to start repairs, it took two months! And in the middle, they… Read more

would not proactively contact me about any situation; I had to keep calling to ask. Also, note that they do not respond to emails, you must call.

NRMA Insurance
NRMA Insurance    

Hi Piztol, we're sorry to hear about your claims… Read more

RACQ Car Insurance

RACQ Car Insurance

1.8 
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Lazy DadQLD16 posts
 

They are very efficient in providing a quote and collecting your premium ..that is where any use of the word efficient ends. Dreadful phone service… Read more

on claims or even enquiring about the claim status. The insurance cost is high however their service is anything but premium. I would look elsewhere for your requirements as there is little to recommend about this organisation.

Shannons Car Insurance

Shannons Car Insurance

1.7 
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McArSA5 posts
 

If I could give them a 0 I would!!!! I understand they are underwritten by Suncorp now and this is where it all falls down the s**t whole. I needed… Read more

to have a rework done and it has now been 6 months from when I first contacted Shannons. We are a long time customer with multiple vintage cars and spending an absolute annual fortune on car insurance. "Back in the day" they were awesome, but now.... The policy isn't worth the paper it is written on, especially if you have a rework done. I have begged, pleaded and tried everything including contacting AFCA/ATSIC. I was even told by their own staff to contact AFCA/ATSIC!!! I have spent more hours than I can count on hold waiting to talk to someone including over 20 phone calls, and emails, and sms's to the person allocated to my case, told countless lies, fob offs and finally after 6 months I have an answer and it's not a good one either. I am totally over Shannons and I can't believe they have totally gone to the dogs with their service.

GIO Car Insurance

GIO Car Insurance

1.8 
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Stephen H3 posts
  Verified

When we bought our Mazda 2 in 2013 we insured it with GIO. About four years ago someone reversed into it while it was parked. He kindly left his… Read more

name and phone number. GIO was great - quick response, courtesy car, free Uber transport to and from repairer, helpful on the phone, no cost to us. Were we just much luckier than so many other reviewers ?? [GIO were also great when our 14m gum fell in our backyard]

A blonde woman driving a car.

Should I get car insurance?

Car insurance may seem like a hefty expense. This can be especially true if you’re a young or a new driver, or pay your car insurance premium in one lump sum.

However, unexpected accidents do happen, and unless you can afford to pay for repairing another driver’s car outright - which can cost thousands - a good car insurance policy can save you from paying through the nose.

There are budget providers along with the better-known household names of insurance companies. You can also opt for a more affordable type of policy rather than comprehensive car insurance, which is pricier. With such a wide selection of policies and companies on the market, you're bound to find something that suits you.

Types of car insurance

Compulsory Third Party (CTP) Insurance: The compulsory one · See all

Compulsory Third Party Insurance, known as green slip in NSW, is the mandatory insurance you must purchase before you’re legally allowed to register a car. In NSW, you need to independently select and buy your CTP, whereas it’s included in the cost of your registration in other Australian states.

Having CTP car insurance means that if you get into an accident and the other driver sustains injuries, you won’t be held liable. Also, it will cover hospital expenses for the other party. It covers personal injury only. Your green slip won’t cover damage caused to property – namely, your car or another person’s car.

In NSW, there are five licensed green slip providers to choose from: AAMI, Allianz, GIO, NRMA Insurance and QBE. In ACT, there are four providers: NRMA, GIO, AAMI and APIA. In SA, there are also four: AAMI, Allianz, QBE and SGIC.

CTP Insurance is included in the cost of registration for the following states and territories: VIC, QLD, WA, TAS and the NT.

Third Party Property Damage Car Insurance: The lowest level of optional cover · See all

Not to be confused with Compulsory Third Party, this is the most basic level of optional cover. Third Party Property Damage insures against damage caused to another vehicle, by you. It doesn’t protect you against theft or damage caused to your car.

Best suited to drivers who:

Don’t want to foot the bill for someone else’s car repairs from their own pocket, and
Would prefer an insurance option significantly cheaper than comprehensive cover, and
Aren’t too concerned about their own car, as it’s not covered under this policy. This might be suited to drivers with cheaper, older cars they’re not sentimentally attached to - with the exception of vintage cars, which are usually expensive to insure.

Third Party Property, Fire and Theft Car Insurance: The next best thing after comprehensive cover · See all

This level includes everything provided by Third Party Property Damage Insurance. It additionally covers you if your car is stolen or burned. In limited cases, third party property, fire and theft insurance can cover you if you aren’t at fault and your car incurs damage caused by an uninsured driver.

Best suited to drivers who:

Want a higher level of cover than Third Party Property Damage Insurance, but can’t quite afford comprehensive car insurance.
Are concerned about the safety of their car, either due to location or time of day it's parked.
Are interested in Third Party Property Damage cover, but are also seeking a baseline level of protection for their own car.

Comprehensive Car Insurance: The all rounder · See all

As the top level of car insurance, a comprehensive policy offers the most protection for your car. It will cover you for everything included in the other two optional policies, and more.

This commonly includes: intentional or accidental damage to property (your car and another person’s car, regardless of fault), loss or theft of your car, vandalism, weather events such as storms, floods, fire and hail, and in some cases hire cars and emergency accommodation (The specific inclusions and exclusions will depend on your unique policy).

It's worth getting comprehensive car insurance if:

You prefer to protect your car and wallet from the widest range of possible misfortunes that could happen.
You're prepared to pay a little more than you would with another insurance type - comprehensive is the most expensive cover for your car.

Tips for comparing car insurance

1. Be clear on your excess

While it may be tempting to automatically select the cheapest car insurance policy, this isn’t necessarily the best financial decision. Lower-cost premiums equate to a higher excess, sometimes upwards of $850. If, in the event of an at-fault accident, you won’t be able to afford this expense in one hit, consider a higher premium.

2. Read the Product Disclosure Statement, or PDS

Let's face it - the majority of these are a bit long and boring. But having an informed understanding of the terms of your policy is worth it and can save you unwelcome surprises in the future. A portion of 1 star reviews of car insurance policies on ProductReview.com.au involved pain points that could have been avoided if the PDS had initially been carefully assessed.

A PDS should explain your excess and spell out in detail what you are entitled to claim under the policy. This includes any add-ons you have opted for. It should also cover policy exclusions, information about claiming, as well as contractual information about a cooling off period or policy cancellation.

3. Don’t be afraid to shop around

Compare, compare, compare. You don’t even need to pick up a phone; simply fill out online car insurance quote forms from a variety of companies. Compare both the cost and quality of cover as outlined in the PDS. Selecting a car insurance policy shouldn’t be a rush decision, as it can have considerable financial impacts down the line.

4. Review your policy annually

While it can be extremely tempting to click ‘Renew Now’ when you receive an email about your car insurance policy's imminent expiration, you'll most likely be paying more than you need to.

Often insurers make their renewing customers pay more than new customers. After a year with an insurer, first-time customer discounts no longer apply, and insurers unfortunately don’t apply discounts for customer loyalty.

As a result, the ‘Renew now’ option has been dubbed as ‘the lazy tax’ incurred for not shopping around. It might not be as convenient as clicking a button, but you’re much more likely to find a better deal.

5. Look for discounts

If you’re asking ‘How can I get the cheapest car insurance?’ keeping an eye out for discounts is one of the best ways.

This is particularly the case if have an automatically higher premium due to your demographic (for example you're a male under 25) or your circumstances (for example, you're the driver of a European, sports or vintage car). As a general rule of thumb, if the annual amount you pay for car insurance is higher than 10% of your car’s value, you’re paying too much.

Discounts can be applied for:

  • Restricting the number of drivers using your car
  • Restricting the age of people driving your car (e.g. no under 25s)
  • Restricting the number of kilometres you drive using the vehicle, sometimes known as a ‘pay-as-you-drive’ discount
  • Making no claims for a certain number of years – referred to as the 'no claims discount' or 'safe driver bonus'
  • Taking out additional policies with the insurer – known as a ‘multi policy discount'

Conversely, if you prefer extra features or protection in your car insurance that’s also available - either as part of the policy package, or as an optional add-on for an extra cost.

Included Benefits or Optional Extras can include:

Thanks for reading, we hope that this guide helps you choose the best car insurance policy for you, so you can enjoy driving your car confidently, knowing it is protected.

Disclaimer: The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner - ProductReview.com.au. ProductReview.com.au is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. ProductReview.com.au is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.