Best Car Insurance

Based on 28,042 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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Tanya
  Verified

Bernie was excellent. Great manner, polite and gave me the information I needed. Show details

AWN Insurance (Australian Warranty Network)

AWN Insurance (Australian Warranty Network) 🏆 2026

4.9 
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McKay HouseholdVIC
  Verified

The After Sales Experience l have received can be Classed as Truly 100% Rebecca was AWESOME, Thank you . Show details

Youi Car Insurance

Youi Car Insurance

3.9 
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George D.
 

I tried Youi they were $78.00 dearer for $5000.00 les coverage and a higher excess Show details

Integrity Extended Warranties

Integrity Extended Warranties

4.3 
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Andrew W.
  Fair Incentive

The claim i made with integrity was delt with very quickly and without any fuss. I have only had this insurance for a few months and would recommend integrity as a reliable and friendly company to work with Show details

Budget Direct Car Insurance

Budget Direct Car Insurance

3.6 
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Yvette Cerulli
 

Easy to apply for it I saved a lot compared to to my previous insurance. Thank you Show details

Presidian Group

Presidian Group

4.6 
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Darren
 

Fast and very easy to deal with and were pleasant in when speaking to them. Show details

TrueCover Car Insurance

TrueCover Car Insurance

5.0 
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Sue HarfordSA3 posts
 

We changed both car insurance policies and saved $800 a year. No need to say more. Show details

QBE Car Insurance

QBE Car Insurance

3.7 
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KGW
 

Easy to use system, great value compared to other companies quotes Show details

Real Car Insurance

Real Car Insurance

3.8 
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Hock3 posts
  Verified

Very easy to follow, quick and easy to select the appropriate items and cover. MOST COMPETITIVE Returning customer. Show details

Oceania Insurance

Oceania Insurance

4.5 
Summary
Sallie4 posts
 

Quick easy and understandable. Didn’t take very long to complete. Policy covered all my requirements Show details

ahm Car Insurance

ahm Car Insurance

4.2 
Summary
Phil
  Verified

So far, so good. Proof is always when one needs to claim but touch wood..... Current AHM Health member. Show details

Everyday Car Insurance

Everyday Car Insurance

3.4 
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Lorna L.
 

My policy was very good value, after doing comparison's with other insurers. Will be back with a new car to insure. Show details

Huddle Car Insurance

Huddle Car Insurance

3.5 
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Nathan D.NSW
 

Avoid Cleveland Street Smash Repairs and think very carefully before trusting Huddle Insurance’s repair process. What should have been a… Read more

straightforward not-at-fault repair turned into almost 10 months of delays, stress, safety concerns, independent inspections, AFCA escalation, and ultimately complete loss of confidence in both the insurer and repairer.

Our near-new Suzuki Swift Sport entered this process expecting to be restored to its pre-accident condition.

Instead, it came back raising concerns that were later independently questioned by multiple parties including NRMA, an independent mechanic, an independent repairer, and eventually an insurer-appointed independent assessor.

These were not minor cosmetic concerns.

Shortly after collection, the vehicle developed significant vibration and rumbling through the rear between approximately 2,000–3,000rpm.

Multiple independent parties later identified concerns relating to exhaust alignment and components sitting against surrounding structures underneath the vehicle. Loose and unsecured wiring near heat sources was also identified, creating additional concern around the overall repair standard.

Additional issues identified throughout the process included: – Overspray across surrounding panels and trims – Grinding and tooling marks visible inside the boot cavity – Inconsistent panel gaps and fitment – Misaligned tail-lights and bumper alignment – Scratches and sanding marks through painted surfaces – Poor paint finish quality – Visible repair defects inconsistent with what would reasonably be expected from an insurer-authorised repair

At one point, I was advised to pursue the vibration concern through Suzuki warranty despite the issue only existing after accident repairs had been completed.

That recommendation alone was difficult to understand.

Communication throughout the process was exhausting.

I was repeatedly told actions had occurred, assessments had been completed, repairs had progressed, or next steps were underway — only for later information and records to raise questions around whether those milestones had actually occurred when represented.

Calls frequently went unanswered.

Updates were vague.

Ownership shifted.

Responsibility seemed to move between insurer and repairer depending on the issue being discussed.

What became particularly concerning was later obtaining repair documentation through AFCA and comparing the approved repair scope against the condition the vehicle was returned in.

The authorised scope included substantial replacement and repair works across the rear structure, exhaust system, tailgate, bumper assemblies, lighting, paint and associated components.

Independent inspections later raised concerns around the quality, completeness and standard of the repairs relative to that approved scope.

As a consumer, this became incredibly frustrating.

Customers should not need to become investigators on their own insurance claim.

Customers should not need to independently source inspections, cross-check repair scopes, maintain timelines, chase updates, and escalate externally just to understand whether repairs have been completed properly.

Australian consumers reasonably expect services to be delivered with due care and skill, communication to be transparent, and repair outcomes to restore confidence — not create further uncertainty.

By the end of the process, confidence in the vehicle had completely deteriorated.

My mechanic ultimately advised he would no longer feel comfortable with the long-term integrity and safety of the vehicle given the unresolved concerns and overall repair outcome.

After almost a year of escalation, inspections and review, the vehicle was ultimately settled as a total loss.

That outcome speaks for itself.

No customer should have to fight this hard to have a vehicle repaired safely, transparently, and to an acceptable standard.

This experience completely destroyed my confidence in both the insurer and repairer involved.

The repairs from this process ultimately resulted in our near-new vehicle being deemed a total loss.

Please document everything. Get independent inspections. Confirm conversations in writing.

Huddle Insurance
Huddle Insurance    

Thank you for taking the time to leave your… Read more

Kogan Car Insurance

Kogan Car Insurance

4.4 
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Nikhil Kumar M.NSW8 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

Toyota Motor Vehicle Insurance

Toyota Motor Vehicle Insurance

3.1 
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ExperienceShare6 posts
 

Poor experience with Toyota Insurance claim handling. I lodged a claim for my Toyota Yaris 2023, claim number TI552878, after the vehicle had an… Read more

incident and was later confirmed unsafe and not recommended to drive.

My main concern is the lack of support and slow progress in the claim assessment process. My initial request was for assistance with towing the vehicle, but instead I was advised to resolve the problem myself and drive the vehicle to City Toyota. Fortunately I called and shared my car’s condition to City Toyota before, I was advised to drive my car to Hargrave Motors. I found this very disappointing, particularly given the vehicle has confirmed to have safety concern.

The vehicle was left with Hargrave Motors following City Toyota’s recommendation, and I provided the claim details to Toyota Insurance on 20 May 2026. However, the assessment has still not been finalised. Toyota insurance appeared to outsource to “Adica”. “Adica” stated that Hargrave is not their recommended repairer even I provided communication evidence from City Toyota. “Adica” did not give me any timeline for assessment due. After 7 business days of claim, I called to follow up and they stated that they spotted a typo in the repairer quote and requested for a resent. And they need to review the “revised quote” all over again now.

This delay has prevented the repair process from starting and has caused unnecessary inconvenience. I expected better support, clearer communication, and more timely assistance from an insurance product carrying the Toyota name.

I am now preparing to escalate this matter further if Toyota Insurance does not provide a clear and timely resolution. I am requesting Toyota Insurance to follow up and confirm:

1. The current status of my claim assessment 2. Why the assessment has not yet been finalised 3. The expected date the assessment will be completed 4. Why towing support was not arranged when initially requested 5. What support will now be provided, given the vehicle has been confirmed unsafe to drive 6. What urgent action will be taken so the repair process can commence

Based on my experience so far, I am disappointed with Toyota Insurance’s responsiveness, towing support, communication, and claim assessment handling. I hope Toyota Insurance can urgently improve its communication and resolve my claim without further delay.

Allianz Car Insurance

Allianz Car Insurance

2.6 
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LRMQLD2 posts
 

While the price only rose minimally the insurance covers a one year older vehicle which is worth less due to depreciation so when I compare the value… Read more

of the vehicle to last years value the effective increase in price (cost vs insured value ) is well over CPI. Ultimately not going to be viable to insure in the long run.

PD Car Insurance

PD Car Insurance

2.8 
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NabilNSW3 posts
 

Arnau was amazing very helping and saved me money as well Show details

Enthusiast Motor Insurance

Enthusiast Motor Insurance

3.5 
Summary
Peter W.Victoria
 

Just purchased my dream car and whilst driving had a steering malfunction ended up into trees on the median strip. Contacted Enthusiast and spoke to… Read more

Leanne in claims she was amazing handled everything with no fuss unfortunatly car was written of but the claim was settled within 2 weeks cannot recommend them highly enough Absolutley amazing to deal with and they have insured my new car with no hassles My Friend is waiting for his car to be inspected by an assessor from another large insurer His car was in before mine and he is still waiting Do Yourself a favor Try Enthusiast

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
Ireen CVIC2 posts
 

Always excellent in customer service. Explained all the process needed and keep us updated .Lexus insurance look after everything that I need while… Read more

fixing my car. My case officer also extend effort for arranging courtesy car for me which is Highly appreciated. Case officers are all helpfll and accommodating. Highly recommended.

RACV Car Insurance

RACV Car Insurance

2.1 
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Paul D.VIC2 posts
 

Affording insurance has always been a struggle throughout my life & even more particularly as i am the only wage earner in the house I chose RACV… Read more

because despite the expense when things have gone wrong they have responded with good support I choose third party fire & theft because justifying comprehensive insurance for cars that aren’t new means sacrifices that i can’t afford It is disappointing that i now have two cars insured with you but one costs more than the other i fear loyalty is dying within our society That is probably my biggest concern but this seems to be something we have grown to accept it’s all about grabbing the next customer What i will say with the way our government is handling youth crime not having insurance means risking your livelihood over an unaccountable society we’ve now become

PowerTorque Insurance

PowerTorque Insurance

3.6 
Summary
LucyNSW
  Fair Incentive

Very happy with PowerTorque Excellent service. Easy to talk and helpful. Show details

Carpeesh

Carpeesh

2.4 
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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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StaceyWA
 

After over a decade with this company, we were appalled when our Jeep Grand Cherokee was written off with only cosmetic damage. I drove it home from… Read more

the incident but they deemed the headlights and grill not worth replacing and not only were we left without the nicest vehicle we'd ever been able to afford, they failed to let our finance company know (as they were supposed to) which left us in arrears and damaged our credit. Nor did they take into account the fact that as it was third in a four-car pile-up, the vehicle was equipped with brake-assist (which I didn't need as I braked immediately I heard the screeching of the first vehicle) as all four vehicles ran through oil on the road dropped from a previous vehicle. No individual factors are taken into account. No consideration for the customer. Extremely poor communication with other vehicle owners/insurance companies regarding the other three vehicles. Absolutely disgraceful.

RAC Insurance
RAC Insurance    

Hi, thanks for taking the time to provide us with… Read more

APIA Car Insurance

APIA Car Insurance

1.9 
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Leslie WQLD2 posts
  Verified

I hit a gutter and my front bumper came loose and was hitting the tyre APIA advised I had to wait 8 weeks to see their preferred repairer . As a… Read more

short term measure I taped the bumper up so I could drive it to an assessor I rang APIA . I spoke to a pleasant man in another continent ! I had to spell GOLD COAST as he had never heard of it . He advised that he could again check the closest insurer but that was done 2 days ago If he checked the booking I had would be cancelled . So I had a car that would take 8 weeks to get assessed and then weeks to get a new bumper . Do not use APIA ! Finally they wanted me to pay the $1000 excess now !!! This seems to be a rort asking upfront so they can earn interest while I have no car to drive for month

NRMA Car Insurance

NRMA Car Insurance

1.6 
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Scott C.2 posts
 

Not only is the Insurance expensive but to try and get a fresh quote is infuriating. Last year I struggled to log in. You put your information, it… Read more

send you the code on your phone, you enter the code, it says (success logging you in), page refreshes into "log in or continue without logging in". This is revolving door of garbage and it has been 2 years now this has happened. Luckily for me I tried AAMI and my insurance went from $1222 to $802. Loyalty bonus with NRMA is a joke, congrats guys you lost a customer that you have had for over 15 years.

NRMA Insurance
NRMA Insurance    

Hi Scott, we’re really sorry to hear about your… Read more

AAMI Car Insurance

AAMI Car Insurance

1.6 
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CryptoCommerce5 posts
 

Their website says $421 but doesnt let me proceed to pay. So I had to ring and give them my personal details and then they finally tell me the costs… Read more

is now $605. Commonly refereed to as false advertising. There goes 20 mins of my life I will never get back.

Bingle

Bingle

1.6 
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CaitlinQLD2 posts
 

6 business days for everything to be settled & money in my account for a write off vehicle. Definitely doubted them and was expecting at least 2… Read more

weeks to even hear anything about my car. They did take the rest of the year of payments from my total payout but by far still the cheapest insurance if you’re okay with market value, I was pretty happy with my payout amount. Going on my 3rd year using bingle

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.

RACQ Car Insurance

RACQ Car Insurance

1.7 
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John YQLD
 

Back room admin is hopeless! I was sent a text with a wrong number [household property rather than motor vehicle] which I spent over 15 minutes on… Read more

hold when transferred before hanging up. A phone call to another number on their website resulted in another transferred call and I was told there would be at least another 25 minute wait without the option of a call back.

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.