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Compare car insurance Australia – July 2023

We've helped over 300,000 Australians compare car insurance. Compare comprehensive or third party options side by side in seconds.

Budget Direct Comprehensive

Budget Direct logo image
  • Get a 15%* online discount
  • 24/7 Claims
  • Lifetime guarantee on repairs
  • Save by restricting younger drivers
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*First year's premium for a new policy. T&Cs apply.

Car insurance comparison

1 - 6 of 35
Name Product Roadside Assistance Accidental Damage Agreed or Market Value Finder Rating
Budget Direct Comprehensive
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
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.
Bingle Comprehensive
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.
Australia Post Comprehensive
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 $75 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.
Everyday Comprehensive
Agreed or Market
Finder’s summary: It offers up to $500 worth of cover for child safety seats and prams, in addition to $500 in cover for personal belongings – not all insurers offer this. Plus, enjoy 10% off your Woolies shop each month. T&Cs apply.

Who it might be good for: Families and those who like to make savings as they shop at Woolies.
Qantas Comprehensive
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 40,000 Qantas Points for every car insurance policy you take out by 31 July. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.

Compare and save on your car insurance

Our insurance experts have analysed more than 30 of Australia’s most popular car insurance policies to make it easier for you to compare and save. Our star rating is based on 2023 Finder Awards research and has been calculated using 2 major factors: price and the level of coverage the policy offers. Remember, what’s best for you will differ from person to person so it’s always best to compare many policies and always read the PDS.

Why you can trust our research


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Compare our car insurance award winners

Finder's insurance team gathered 1,100+ car insurance quotes from 37 of Australia's most popular car insurers. From there, we compared over 640 features and scored them to find our winners.

Comparing car insurance: 4 things you need

With the right info to hand, comparing car insurance can be quick and easy. To get an online quote, you’ll need to know:

1. Personal details. Your name, address, gender, age.
2. Driver history. This includes how many claims you’ve made; how many demerit points you have; how long you’ve held comprehensive insurance (if at all).
3. Car details. Your vehicle’s number plate, make, model and colour; any modifications or damages (if any); how the car is used (for personal or business); the estimated kilometres you’ll drive in a year; finance details, such as a car loan or lease.
4. Insurance details. What level of cover you want; what you’re willing to pay as the excess; if you’re willing to pay for optional extras, such as roadside assistance or choice of repairer.

Why compare car insurance?

In a cost of living crisis, it pays to compare car insurance to make sure you're not paying more than you need to. Prices can differ a lot – in fact, here's a real-life example of 2 comprehensive car insurance policies that share similar features, yet are priced $245 apart.

Policy APolicy B
Market or Agreed valueMarket value (insurer decides payout figure on date of claim)Market value (insurer decides payout figure on date of claim)
Hire car after theftYes - Up to $75/day (max 14 days)Yes - Up to $75/day (max 14 days)
New car replacementYes - if written off in first 2 yearsYes - if written off in first 2 years
Personal Effects$500$500
Roadside assistanceOptional extra (not included in this premium)Optional extra (not included in this premium)
Average annual cost$1,216$971.72 ($244.28 less)

Case study: Comparing car insurance to save money

Sarah Megginson's first-hand experience

How Sarah saved $250 on her car insurance

I recently went to renew my comprehensive car insurance policy when I noticed the cost had drastically increased from $598 to $800. I decided to compare some other options and now, we've found the same level of cover with a reputable and well-known insurer for just $550. That's $250 in savings!
— Sarah Megginson, Managing editor at Finder
  • Need help getting your head around any car insurance terms? Find quick answers in our glossary of terms.
Icon to represent comparison of car insurers
Did you know?
A Finder survey of 933 drivers found that 55% of people have noticed an increase in their car insurance premium over the last 12 months. Don't pay the loyalty tax, compare car insurance to help find a better deal.

Why you can trust Finder's car insurance experts


We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

What is car insurance?

Car insurance is designed to protect you financially if your car is involved in an accident, is stolen, is damaged or causes damage to another person, vehicle or property.

There are 4 levels of car insurance. Compulsory third party (CTP) insurance is mandatory in Australia. This insurance only covers injuries to other people and legal costs. However, more comprehensive policies can also pay for expenses including repairs, replacement costs and third-party damage as well.

What does car insurance cover?

Your car insurance coverage will vary based on the level of cover you've purchased and who the provider is. Comprehensive car insurance is the highest level of cover and may cover you for things such as damage to your own vehicle, storm damage and theft. Third-party policies may cover you for damage to someone else's vehicle but not your own. You can use the table below to understand the different levels of cover and what may be included in each.

What's included in car insurance?

The table below outlines the differences between the 4 types of car insurance you can get in Australia.

Car insurance benefitsCTP/Green SlipThird party property damageThird party fire and theftComprehensive
Damage to your own vehicleNoNoNoYes
Damage to someone else's vehicle (third party property)NoYes (for example, up to $20 million)Yes (for example, up to $20 million)Yes (for example, up to $20 million)
Weather events (storm, flood, hail)NoNoNoYes
Hire car after theftNoSometimes optionalSometimes optionalYes (for example, $70 per day for 14 days)
Personal effectsNoNoNoYes (for example, up to $1,000)
Emergency transport/accommodationNoNoNoYes (for example, $100 per day, $900 in total)
TowingNoSometimes optionalSometimes optionalYes
Key replacementNoNoNoYes (for example, up to $1,000)
Death benefitNoYesYesYes
Legal liability for injuries or death to other peopleYesNoNoNo

Optional extras on car insurance

Optional extrasCTP/Green SlipThird party property damageThird party fire and theftComprehensive
Reduced or no windscreen excessNoNoNoYes
Roadside assistanceNoSometimes optionalSometimes optionalYes
Choice of repairerNoNoNoYes
Hire car after accidentNoNoNoYes

What our customers are saying

How do the different types of car insurance compare?

Comprehensive car insurance

Comprehensive car insurance

This is the only level of car insurance that covers damage to your own car as well as other people's vehicles and property. Additionally, you'll be covered if your car is damaged by hail, fire or storm or if it's stolen or vandalised. It can also help pay for key replacements, a hire car if yours is stolen and more.

third party, fire and theft

Third party, fire and theft car insurance

This covers costs if you damage someone else's vehicle or property and can pay to repair or replace your car if it's damaged by fire or stolen. However, it doesn't cover you for damage to your own car due to an accident, storm or flood.

Third party

Third party property car insurance

This only covers you for costs if you damage someone else's vehicle or property. It won't cover repair costs for your car.

Compulsory third party

Compulsory third party

Often called Green Slip insurance, compulsory third party is mandatory for every registered driver in Australia. In many states, it's included in your car registration. It helps cover compensation costs, such as hospital expenses, if you kill or injure someone in a car accident. It won't cover your car or someone else's car.


Expert tips on comparing car insurance

How to save money on car insurance

Number 1

Consider a pay-as-you-drive policy

If you don't use your car that often, it can be much cheaper to get pay-as-you-drive car insurance. Alternatively, some insurers, including Budget Direct, Youi and Woolworths, reward you with cheaper premiums the less you drive. For example, if you drive less than 5,000km per year, you could save over $300 annually.

Number 2

Take advantage of sign-up offers

Insurers including Budget Direct and Everyday will knock 15% off your car insurance costs in the first year. Don't set and forget though. You can save by doing the same again the following year.

Number 3

Opt for fewer features

If you're after a cheap car insurance policy that covers the essentials, opt for a budget insurer like Bingle. Other insurers cost more because they come with additional benefits such as cover for stolen keys, cover for personal belongings and cover for a hire car if yours is stolen.

Number 4

Increase your excess

You have to pay an excess when you make a claim. Choosing a higher excess when you get a quote will lower your car insurance premiums. However, it can make claiming for smaller events pointless – for example, if you have around $1,000 worth of damage but need to pay a $1,000 excess.

Number 5

Pay annually

Most insurers will charge you at least $200 less if you are able to pay for the full year instead of monthly.

Compare car insurance by state

Finder sourced 1000+ quotes across over 30 different providers to help you compare car insurance in your state. The providers listed in the table below were the top 5 cheapest of the providers researched and reflect the estimated annual cost based on the profile used. Keep in mind, your own cost will vary depending on your personal circumstances and it's always best to compare a range of providers.

Truck crush

Comprehensive car insurance

ProviderAverage PriceApply
Bingle logo$848.87Get quote
Koba$863.47More info
Rollin' car insurance$1,102.26More info
Budget direct logo$1,279.73Get quote
Virgin Money$1,304.49More info
Truck crush

Comprehensive car insurance

Koba$720.32More info
Rollin' car insurance$729.82More info
Bingle logo$788.34Get quote
AAMI car insurance$911.60More info
Budget direct logo$921.20Get quote
Virgin Money$953.29More info

Truck crush

Comprehensive car insurance

Bingle logo$1,034.15Get quote
Koba$1,035.74More info
AAMI car insurance$1,053.82More info
Budget direct logo$1,163.76Get quote
GIO$1,259.28More info

Truck crush

Comprehensive car insurance

Bingle logo$638.88Get quote
Rollin' car insurance$794.90More info
AAMI car insurance$810.81More info
Budget direct logo$861.08Get quote
Koba$873.03More info

Truck crush

Comprehensive car insurance

Bingle logo$669.13Get quote
Rollin' car insurance$716.70More info
AAMI car insurance$815.88More info
Budget direct logo$856.75Get quote
Virgin Money$873.89More info

Truck crush

Comprehensive car insurance

Bingle logo$623.32Get quote
Rollin' car insurance$762.04More info
Koba$868.46More info
AAMI car insurance$874.00More info
Budget direct logo$939.98Get quote

We didn't include quotes for NT and ACT because the sample size was too small.

Frequently asked questions

Car insurance: Key terms to know

Here's a summary of common definitions you'll see with car insurance. Plus what they actually mean to help you while you're comparing.

  1. Finder Awards Car Insurance 2023
  2. Service NSW
  3. NSW Gov
  4. VMIA
  6. Flaticon
  7. $1,152 cost analysis
  8. Finder survey of 1,000 Australians who own 1 or more cars, November 2022
  9. 300,000 statistic based on clicks from Finder to our partners.

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