Car insurance in South Australia
Compare car insurance policies in SA and get a quote.
What different scores mean
9+
Excellent
These products offer the best value and outcomes considering various product features and price.
7+
Great
Competitive products within their group.
5+
Standard
But these products still offer reasonable value and have the basics sorted.
0+
Basic
Offering basic cover with limited features or higher pricing.
Finder Score for car insurance
We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.
What type of car insurance do South Australians need?
Compulsory third party car insurance (CTP) is the only mandatory form of car insurance that you need. It protects drivers from the financial impacts of causing injury or death in a car accident anywhere in Australia.
For South Australians, your CTP is already included in your registration fees. So provided you've organised your rego, you will have CTP already.
Keep in mind, CTP insurance does not cover damage to your car or damage you cause to other peoples property. See how this can be covered in other types of car insurance below.
Comprehensive
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
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.
Third party property damage
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.
How much does car insurance cost in South Australia?
According to the most recent Finder research, car insurance in South Australia costs an average of $1,868. We've made a list of the top 10 cheapest policies below.
Keep in mind, these quotes are based on a specific profile and your own quote will differ. It's best to get quotes from a range of providers to find the best car insurance for your needs.
See our methodology for collecting quotes.
| Provider | SA average | Get a quote |
|---|---|---|
 | $710 | |
 | $1,143 | |
 | $1,924 | |
 | $1,306 | |
 | $1,317 |
To note: We researched pricing for RAA, however it was not any cheaper than many of the nation-wide providers.
Tips to find cheaper car insurance
- Use online sign up discounts. These can be as good as up to 15 or 30% off — that can be hundreds in savings.
- Call your current insurer to negotiate. Many people want cheaper insurance without the hassle of switching. Sometimes, this is possible if you ring your current insurer and tell them you're thinking of switching because of the price. Often, they'll give you a discount just to keep you.
- Increase your excess. The higher your excess, the lower your premium. Be sure you only raise this to a point that you can still afford. If you have to make a claim, you'll likely need to pay your excess.
- Compare multiple providers. You can't save money if you don't bother to check what your options are. Get at least 3-5 quotes to help you make the most informed decision.
Our expert says
"Every year at renewal time, I call my insurer and ask if there's any flexibility on the price. Every time without fail, they've discounted my premium and it's ended up being the cheapest, most valuable policy of all I've researched. It takes me around 15 minutes which I think is worth the savings!"
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