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...

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Based on 37,361 reviews
Seniors Car Insurance

Seniors Car Insurance 🏆 2024

4.7  (3,538)
 Summary
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Christine
ChristineVICGreater Melbourne (Outer), VIC6 posts
  Comprehensive
Comprehensive Car InsurancePurchased comprehensive car insurance and happy with the quote we got. Show details ·  2
AWN Insurance (Australian Warranty Network)

AWN Insurance (Australian Warranty Network) 🏆 2024

4.6  (1,463)
 Summary
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Patricia H.
Patricia H.VICCentral Highlands and Goldfields, VIC
  Fair Incentive Mechanical Breakdown
Presidian Group

Presidian Group 🏆 2024

4.7  (323)
 Summary
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Aleksi T.
Aleksi T.
 
Presidian Group
Presidian Group   DM   
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Kogan Car Insurance

Kogan Car Insurance

4.7  (81)
 Summary
Enock Ochieng M.
Enock Ochieng M.
  Verified Third Party Insurance
Awesome!Affordable and reasonable cost. Awesome, and I won't mind recommending it to someone and going for the same again. Show details ·  1
Integrity Extended Warranties

Integrity Extended Warranties

4.1  (1,277)
 Summary
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Linda
LindaNSWCentral West, NSW
  Fair Incentive Endurance
Easy Peasy - Ref #s: - 141457,136762Very easy to deal with, easy to contact and had my claims processed quickly without any stress. Glad I purchased the extended warranty - has saved me heaps.
I have had to make 2 claims within only months of purchase and there was no difficulties or drama - they just got the job done and now I am back on the road - highly recommend! Show details ·  1
ahm Car Insurance

ahm Car Insurance

4.3  (138)
 Summary
Denise
Denise2 posts
  Comprehensive
Reinsured againValue for money easy to setup staff courteous, knowledgeable and friendly Show details ·  1
Youi Car Insurance

Youi Car Insurance

4.0  (7,133)
 Summary
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Charles_James
Charles_JamesAU18 posts
  Comprehensive
Budget Direct Car Insurance

Budget Direct Car Insurance

3.7  (8,531)
 Summary
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Andy
AndyWAPerth, WA
  Comprehensive
Hassle free procedure, clear and easy to understandVery quick,easy anx efficient when purchasing insurance, complete hassle free Show details
Huddle Car Insurance

Huddle Car Insurance

3.6  (429)
 Summary
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Mihi N.
Mihi N.QLDSouth East Queensland, QLD
  Verified Comprehensive
Fast and helpfulOnce in contact they were very helpful and stayed in communication which was great Show details ·  1
Real Car Insurance

Real Car Insurance

3.4  (634)
 Summary
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Teresa
TeresaVICGreater Melbourne (Outer), VIC2 posts
  Verified Comprehensive
Real Insurance
Real Insurance   DM   
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Oceania Insurance

Oceania Insurance

3.9  (41)
 Summary
Sylvain H.
Sylvain H.
  Digital First Comprehensive
Bad experience everI’m not responsible for my accident but they don’t want to listen and asked me to pay the excess. Furthermore the process to fix the car is incredibly long. I never see a insurance company like that. Show details
Oceania Insurance
Oceania Insurance   DM   
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QBE Car Insurance

QBE Car Insurance

2.8  (773)
 Summary
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Robert
Robert
  Third Party Only
great easyI found it was a Easy experience easy to follow instructions. Show details ·  1
eric insurance

eric insurance

2.8  (198)
 Summary
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Chris B.
Chris B.QLDFar North Queensland, QLD
  Verified Comprehensive
Enthusiast Motor Insurance

Enthusiast Motor Insurance

3.4  (31)
 Summary
Lee
Lee5 posts
  Comprehensive
Enthusiast Motor Insurance
Enthusiast Motor Insurance   DM   
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Everyday Car Insurance

Everyday Car Insurance

2.4  (1,117)
 Summary
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Gem
Gem2 posts
  Verified Comprehensive
Amazing insurance with a caring companyAmazing insurance, actually affordable and thoughtful. Love it! Especially the text messages about weather Show details ·  2
Allianz Car Insurance

Allianz Car Insurance

2.4  (1,114)
 Summary
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Ben
Ben2 posts
  Comprehensive
Unjustifiable premium increasesPremium went up 40% in one year. CPI is less than 10%. How can this be justified. Hopefully the next government enquiry looks into the insurance industry. Show details
RAC Car Insurance

RAC Car Insurance

2.1  (269)
 Summary
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Miss M.
Miss M.WAPerth, WA
  Comprehensive
Shannons Car Insurance

Shannons Car Insurance

2.0  (325)
 Summary
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phil
philVICGreater Melbourne (Outer), VIC7 posts
  Verified Comprehensive
Toyota Motor Vehicle Insurance

Toyota Motor Vehicle Insurance

2.0  (208)
 Summary
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Mark1965
Mark1965NSWSydney, NSW2 posts
  Comprehensive
Just another great Toyota experienceWhat a pleasure, you always hope you never need to use your insurance but when you do, this is the insurance company you want. Together with the repairer, they were great through the whole process and kept me informed all the way. There were delays due to to parts supply issues but, knowing they are using genuine parts put my mind at ease. Show details ·  1
PD Car Insurance

PD Car Insurance

2.0  (264)
 Summary
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vyvianhuynh
vyvianhuynh2 posts
  Comprehensive
RecommendedStaff are very professional, prompted, and very helpful. Haylee assisted me very well. I haven’t put thru a claim as yet, but my friend has twice, and she said it was a nice and easy process. Show details ·  1
Carpeesh

Carpeesh

2.1  (89)
 Summary
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Eric
EricNSWSydney, NSW
  Fair Incentive Verified
Perfect servicesMy claim got approved quickly, and I got the reimbursement for the cost for driving recode the next day when I provided the receipt. The process of the claim was delayed by me because of the Christmas and new year holidays, as soon as I provided all the documents, the repair job was approved. Show details ·  1
Australia Post Car Insurance

Australia Post Car Insurance

2.3  (47)
 Summary
Joseph
JosephNSWSydney, NSW10 posts
  Comprehensive
Rip off and shameless insurer, exhorbitantly expensiveRip off and shameless insurer, exhorbitantly expensive.
Their quote is insanely more expensive than a monor insurer like PD.
Would urge AP to close this operation promptly and specilise in selling postage stamps & scratchies. Show details
APIA Car Insurance

APIA Car Insurance

2.0  (239)
 Summary
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VicW
VicWWestern Australia6 posts
  Comprehensive
GIO Car Insurance

GIO Car Insurance

1.9  (346)
 Summary
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Mawiia
MawiiaNSWSydney, NSW16 posts
  Comprehensive
Suncorp Motor Insurance

Suncorp Motor Insurance

1.9  (319)
 Summary
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Jas
Jas
  Comprehensive
RAA Car Insurance

RAA Car Insurance

1.9  (196)
 Summary
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Wayne R
Wayne RSAMetropolitan Adelaide, SA2 posts
  Verified Comprehensive
RACQ Car Insurance

RACQ Car Insurance

1.9  (367)
 Summary
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Jessem
JessemQLDSouth East Queensland, QLD2 posts
  Car Insurance
Waste of moneyGone up hugely in price. Then gave us wrong information 3 times and didn’t end up helping at all. Waste of money. Show details
Bingle

Bingle

1.8  (839)
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Opie Shukla
Opie ShuklaWAPerth, WA3 posts
  Comprehensive
AAMI Car Insurance

AAMI Car Insurance

1.8  (1,823)
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Jenny C.
Jenny C.
  Comprehensive
AAMI Chat - unreliableJohn F from the chat was unreliable, he ended the chat on me deliberately rather than trying to help. Show details
RACV Car Insurance

RACV Car Insurance

1.8  (763)
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Jessica
Jessica3 posts
  Comprehensive

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.

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