Finder makes money from featured partners, but editorial opinions are our own.

Compare third party car insurance

Our experts have analysed 13 different car insurers across every state in Australia to help you find cheap third party car insurance.

Budget Direct Third Party Property Only

Budget Direct Third Party Property Only logo image
  • Get a 15%* online discount
  • 24/7 Claims
  • Legal liability cover - up to $20m
  • Uninsured driver damage cover - up to $5k
Get Quote
*First year's premium for a new policy. T&Cs apply.

What is third party car insurance?

Third party car insurance often refers to third party property damage (TPPD) car insurance. It covers damage you cause to someone else's vehicle or property. So, if you crash into someone's new car, you don't need to pay the repair costs – your insurance will. This kind of policy won't cover your car but could stop you from facing big bills from other people.

Compare third party car insurance

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Third Party Property Only
⭐ Current offer: Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.

Who it might be good for: Drivers who only want cover for damage to another person’s vehicle and up to 15% off your first year.
Youi Third Party Property Damage
Agreed or Market
⭐ Current offer: Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.

Who it might be good for: Drivers who want a reliable insurer. It was the 2022 Insurer of the Year for Customer Satisfaction.
Bingle Third Party Property Damage
Who it might be good for: Drivers who want a cheap policy and cover for damage to other people’s vehicles (but not your own car). It can also cover rideshare drivers.
Everyday Third Party Property Damage
Everyday Rewards Members can save 10% once a month on their Woolies shop. T&Cs apply.
Qantas Third Party Property Only
Earn Qantas Points when you sign up. T&Cs apply.

What does third party car insurance cover?

Third party

Third party property car insurance

Third party property car insurance covers you for damage to other people's property – for example someone else's car, home or shop. It covers only this and nothing else, up to a certain limit (commonly $20 million). This type of policy adds an additional layer of protection over the bare minimum compulsory third party insurance, and prevents you from having to be out of pocket for potentially enormous bills if you hit something expensive.

third party, fire and theft

Third party, fire and theft car

This is a step up from third party property insurance. In addition to covering you for costs if you damage someone else's property, it can pay to repair or replace your car if it's damaged by fire or stolen. However, it still doesn't cover you for damage done to your own car – only comprehensive car insurance covers you for this.

What our experts have to say about third party car insurance

Who needs third party car insurance?

Could be good if you:

  • Have a car that isn't worth much money
  • Can't afford higher cover at this time
  • Want more than the bare minimum (CTP) which only covers injuries to people

Might not be good if you:

  • Own an expensive car
  • Live in a high crime area, with risk of theft or fire (in which case, consider TPFT instead)

Cheap third party car insurance

The easiest way to find cheap third party car insurance is to compare policies. Out of 9 brands, we found a difference of $356.05 between the cheapest and most expensive third party car insurance policies.

Keep in mind that these costs are based on a limited profile (that we've outlined below). As with all car insurance, the cost of a third party policy will vary based on your age, location, gender, and other variables such as where you park your car.

BrandYearly costApply
$401.47More info
$454.00Get quote
$458.94More info
Australia Post
Australia Post
$491.18Get quote
Budget Direct
Budget Direct
$521.33Get quote
Kogan insurance logo
$555.04More info
$588. 62Get quote
$641.22More info
Everyday logo
$819.24Get quote
$821.74More info

Quotes are accurate as of July 2023

How to find cheap third party car insurance

Number 1

Compare quotes

Most third party car insurance policies are very similar so price is an important factor. If you think you're paying too much, shop around to find a better deal.

Number 2

Choose a higher excess

Your insurer will offer you a lower premium in return.

Number 3

Nominate drivers

If you can nominate certain people to drive your car, especially if they are all over the age of 25, this will reduce the cost of your cover.

Number 4

Secure your vehicle

Vehicles with security systems and those that are kept garaged overnight are less expensive to insure than ones parked on the street or without security systems.

Number 5

Bundle your cover

If you have a separate policy (for example, home insurance) with a provider, it may offer you a discount on your car insurance policy.

Compare car insurance by state

Use the map below to compare car insurance based on your location.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

2 Responses

    Default Gravatar
    DANMay 26, 2023

    I’m interested in looking at car insurance which allows for some rideshare work. Can you provide a list?

      Avatarfinder Customer Care
      JamesJune 6, 2023Staff

      Hi Dan,

      Thanks for the message. You can head to our guide to rideshare insurance here. More than a dozen providers offer some coverage for rideshare drivers.



Go to site