Youi Comprehensive
There are 4 levels of car insurance. Compulsory third party (CTP), third party fire & theft, third party property damage and comprehensive car insurance. You can compare a range of car insurance providers in Australia using the table below.
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.
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.
This level of car insurance 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.
This level of car insurance only covers you for costs if you damage someone else's vehicle or property. It won't cover repair costs for your car.
Often called Green Slip insurance, compulsory third party car insurance 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.
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 A | Policy B | |
|---|---|---|
Excess | $850 | $800/$850 |
Market or agreed value | Market value (insurer decides payout figure on date of claim) | Market value (insurer decides payout figure on date of claim) |
Hire car after theft | Yes – up to $75/day (max 14 days) | Yes – up to $75/day (max 14 days) |
New car replacement | Yes – if written off in first 2 years | Yes – if written off in first 2 years |
Personal effects | $500 | $500 |
Roadside assistance | Optional extra (not included in this premium) | Optional extra (not included in this premium) |
Average annual cost | $1,216 | $971.72 ($244.28 less) |
"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!"
"When it came time to renew, I took 20–30 minutes to research other providers, put together a few quotes and went back to my current insurer to see if they'd negotiate. They were more than happy to compete and marked down their initial price to one that justified staying with them. It's really surprising how much you can save when you only need to put a small amount of time aside to compare your insurance options."
"My car insurance was up for renewal with a total increase of $537. I compared insurers on Finder and received a quote with comparable cover to my existing policy for $1,000 less. I made a few tweaks but ultimately, the policy covers everything I need and it’s way more affordable."
"Look around for insurers who offer sign-up discounts – this can be a great way to save! Often, the sign-up discounts will only be available if you're a new customer but that's typically no problem if you're looking at switching providers. Some offer up to 15% off which can help you save around $100 in some cases."
"If you like the look of a specific policy but it's too expensive for you, check who the underwriter is. Brands with shared underwriters have identical policies but some brands are cheaper than others. This means you can enjoy the same policy at a more affordable price point. You can find a policy's underwriter with a simple Google search or look at the product disclosure statement."
"Good to know – if your windscreen is broken and that's the only thing that's been damaged, it's not always worth making an insurance claim. This is because your excess is usually more than the cost of the repairs. To avoid this, lots of insurers let you upgrade your cover to include no-excess windscreen cover. It'll usually cost you a couple more bucks a month which is substantially cheaper than paying for the repairs yourself."
To help you find the best car insurance, Finder's insurance team gathered 1,800+ car insurance quotes from 30 of Australia's car insurers - that's over 90% of the most popular providers. From there, we compared over 814 features and scored them to find our winners.
Budget Direct's comprehensive car insurance policy won this year's Finder Award for best value because:
Hume Bank's comprehensive car insurance policy won this year's Finder Award for features because:
We asked over 5,700 Australians across major states to rate their current car insurance provider. Youi car insurance came in first place nationally because it:
Finder sourced 1,800+ 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.
Provider | Average price | Apply |
|---|---|---|
 | $899.86 | |
 | $929.28 | |
 | $929.28 | |
 | $934.75 | |
 | $1,079.01 |
Provider | Price | Apply |
|---|---|---|
 | $842.81 | |
| $871.90 | |
 | $933.57 | |
 | $940.92 | |
 | $1,013.17 |
Provider | Price | Apply |
|---|---|---|
| $1,155.57 | |
| $1,180.17 | |
| $1,247.56 | |
| $1,254.01 | |
| $1,280.42 |
Provider | Price | Apply |
|---|---|---|
| $709.46 | |
| $726.41 | |
| $782.57 | |
| $825.31 | |
| $828.74 |
Provider | Price | Apply |
|---|---|---|
| $673.72 | |
| $760.75 | |
| $830.92 | |
| $871.32 | |
| $871.32 |
We didn't include quotes for NT and ACT because the sample size was too small.
New to car insurance?
Just like cars come in different colours, models and sizes, car insurance products are all super different. Finder Score makes it a bit easier to compare Car Insurance by giving you a simple number between 1 and 10 to start your search.
Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.
To get to our final score, we look at over 30 products and give each of them a score between 1-10 based on 20 features, including price.
To get the price, we collect annual quotes from 6 personas across 6 states (NSW, VIC, QLD, TAS, WA, SA). To be eligible for a Finder Score, providers have to be able to give us these quotes online. The personas we collect quotes for are:
The Finder Score methodology is designed by our insights team and reviewed by our editorial team. We review the products objectively. Commercial partnerships do not affect the score.
Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
Lost your car keys? Find out whether your comprehensive car keys will cover the cost to replace them in this handy guide.
Discover how to get covered for pothole damage with this guide.
Discover if your car insurance policy will cover you for paint damage with this guide.
Your comprehensive guide to car insurance excess, what it is and when it needs to be paid.
Suncorp’s benefit limits are high in comparison to many other providers, but its policies are more expensive than most.
APIA car insurance is issued by AAI Limited and offers 3 levels of cover, a range of discounts and a lifetime guarantee on repairs.
Find out what short term car insurance options are available in Australia.
GIO offers strong cover at a low price. However, drivers in QLD, SA and TAS will have to look elsewhere.
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.
