Best Car Insurance

If you're a regular driver, a good car insurance policy can grant you peace of mind. With so many providers and policies on the market, dipping into the policy pool can be confusing. Use this guide for tips on how to find the best, cheapest car insurance for you, whether comprehensive or third party. Continue reading...

Brand
Search brand...
Rating
Coverage Type
Show more
Roadside Assistance
Reduced or Zero Excess Windscreen Cover
Inclusions
Benefits
Show more

Based on 38,338 reviews
Seniors Car Insurance

Seniors Car Insurance 🏆 2024

4.7  (3,670)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
John
John
  Comprehensive
My memorable experienceI found the Seniors car Insurance policy of good value and easy to understand.
The call centre was most helpful to listen and clarify any queries with patience and care.
Thank you. Show details ·  1
AWN Insurance (Australian Warranty Network)

AWN Insurance (Australian Warranty Network) 🏆 2024

4.6  (1,550)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Widyan
WidyanNSW
  Fair Incentive Verified Mechanical Breakdown
So fast and efficientWonderful customer service. Claiming was straightforward with a very quick processing time and outcome within 48hrs. Show details
Presidian Group

Presidian Group 🏆 2024

4.7  (366)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
John W.
John W.
 
Great Warranty coverPresidian were very easy to deal with, my claim approved in hours! Show details
Kogan Car Insurance

Kogan Car Insurance

4.6  (91)
 Summary
dawron8
dawron8QLD
  Third Party Insurance
Foreign driver license holderQuick online insurance, based on previous reviews I decided to go for it. Show details
Integrity Extended Warranties

Integrity Extended Warranties

4.1  (1,327)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Pappa P.
Pappa P.
  Endurance
Integrity Extended Warranties
Integrity Extended Warranties   DM   
More
ahm Car Insurance

ahm Car Insurance

4.3  (152)
 Summary
Cobby
CobbyQLD
  Comprehensive
Great value all round comprehensive car insurance!Great price and great service when I needed to make a claim. Definitely recommend Ahm Comprehensive Car Insurance. Show details ·  1
Youi Car Insurance

Youi Car Insurance

4.0  (7,182)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Emma
EmmaCanberra3 posts
  Verified Comprehensive
Budget Direct Car Insurance

Budget Direct Car Insurance

3.7  (8,616)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Richard
Richard2 posts
  Verified Gold Comprehensive
Beware premium hikesThey more than doubled the premium on my car insurance from 1700 to more than 3600 per year. I'm a rating 1 driver. No claims with them on that vehicle and a windscreen claim on my wife's vehicle which I'd sold. Show details
Budget Direct
Budget Direct   DM   
More
Huddle Car Insurance

Huddle Car Insurance

3.6  (463)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
ebony d
ebony d
  Comprehensive
horrible communicationIt’s taking over 3 months for them to decide if they will cover my car for flooding.
They say they will contact within a time frame and weeks later i end up following it up because i haven’t heard from anyone.
Also can’t call them directly you need to book an appointment and wait about 3 days. Nonsense Show details
Huddle Insurance
Huddle Insurance   DM   
More

Hi Ebony, Thank you for taking the time to leave a review. We have followed up on your claim with our team and requested them to contact you with any updates. We have also sent you an email today. We look forward to helping resolve this for you

Real Car Insurance

Real Car Insurance

3.5  (646)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Cathy S
Cathy SNSW2 posts
  Third Party Property Damage
Online Experience Greatthe online quote system worked well and di not take long to complete. The online price was also very competitive. Show details ·  1
Oceania Insurance

Oceania Insurance

4.0  (51)
 Summary
Celina
CelinaNSW5 posts
  Digital First Comprehensive
Honest and true insurance they got your backNever heard of this insurance until a current affair and how amazing this insurance was stepping up to help their customer when her car was stolen from a panel beater essential body smash .. Show details ·  1
QBE Car Insurance

QBE Car Insurance

2.8  (782)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Denis S.
Denis S.
  Comprehensive
Easy to use insurancefrom word go to finish I recommendEasy to use, straight to the point Information I recommend to everyone Show details ·  1
eric insurance

eric insurance

2.8  (199)
 Summary
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Stashmo Charlie
Stashmo CharlieQLD
  eric insurance
Enthusiast Motor Insurance

Enthusiast Motor Insurance

3.4  (32)
 Summary
Philip Katsantonis
Philip KatsantonisNSW
  Comprehensive
Happy customerGreat service by a gentleman called Lewis, knew exactly what he was talking about and got the job done for me. On top of that gave me a better deal than Shannon’s. Thank you Lewis for you’re great customer service. Show details ·  1
Everyday Car Insurance

Everyday Car Insurance

2.5  (1,159)
 Summary
Mrs B.
Mrs B.QLD2 posts
  Comprehensive
Everyday Car Insurance
Everyday Car Insurance   DM   
More
Allianz Car Insurance

Allianz Car Insurance

2.4  (1,129)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
REDBLK32
REDBLK32SA2 posts
  Comprehensive
Call centreCall centre staff very helpful polite and very knowledgeable about my policy Show details
RAC Car Insurance

RAC Car Insurance

2.1  (277)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Disappointed
DisappointedWA
  Comprehensive
Toyota Motor Vehicle Insurance

Toyota Motor Vehicle Insurance

2.1  (225)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Al19
Al19WA2 posts
  Verified Comprehensive
PD Car Insurance

PD Car Insurance

2.0  (271)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Cheryl
Cheryl3 posts
  Comprehensive
Look for service not priceI had a claim, I was not at fault - the driver that hit me had no insurance. I had to claim and very long and tedious story short, my car was not finished until 3.5 months later. Poor service, slow and very time consuming company to deal with. Cheap is not cheerful. Show details
Carpeesh

Carpeesh

2.1  (92)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Isagani Victoria C.
Isagani Victoria C.
  Fair Incentive
Exemplary servicePrompt response and accommodating nd very friendly staff would only take a day in responding to my claim, I have be with the company for the last 3 years Show details ·  1
Shannons Car Insurance

Shannons Car Insurance

2.0  (341)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
ShaneP
ShaneP
  Comprehensive
Suncorp puppetThey have shown zero customer service. It has taken almost four months just to assess the claim.Numerous on hold phone calls and booked text timelines broken. Shannon’s car insurance product is based on lies greed and broken promises please learn from my mistake go elsewhere Show details
GIO Car Insurance

GIO Car Insurance

1.9  (354)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
dhi2224
dhi2224NSW11 posts
  Comprehensive
APIA Car Insurance

APIA Car Insurance

1.9  (252)
 Summary
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Emma
EmmaMelbourne4 posts
  Comprehensive
Australia Post Car Insurance

Australia Post Car Insurance

2.2  (49)
 Summary
Hojo
HojoVIC5 posts
  Comprehensive
Suncorp Motor Insurance

Suncorp Motor Insurance

1.9  (336)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
J van den Akker
J van den Akker2 posts
  Comprehensive
RACQ Car Insurance

RACQ Car Insurance

1.9  (372)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Concerned customer
Concerned customerQLD2 posts
  Comprehensive
RAA Car Insurance

RAA Car Insurance

1.9  (204)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Sue
SueSA8 posts
  Verified Comprehensive
Bingle

Bingle

1.8  (861)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Norman C.
Norman C.
  Comprehensive
RACV Car Insurance

RACV Car Insurance

1.8  (781)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
M T
M T2 posts
  Comprehensive
AAMI Car Insurance

AAMI Car Insurance

1.8  (1,898)
 Summary
  • Thumbnail
  • Thumbnail
  • Thumbnail
  • See all
    Thumbnail
Sam
SamVIC2 posts
  Comprehensive
Sam
Sam  
More

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.

©  ProductReview.com.au Pty. Ltd. All Rights Reserved. General disclaimer: All third party trademarks, images and copyrights on this page are used for the purpose of comparative advertising, criticism or review. This is a public forum presenting user opinions on selected products and businesses, and as such the views expressed do not reflect the opinion of ProductReview.com.au. Further details in the disclaimer.