Car insurance SA

Compare car insurance in SA

Name	Roadside assistance	Accidental damage	Choice of repairer	Agreed or market value	Yearly cost to insure a small car	Apply
				Market	$623.32	More info
				Market	$762.04	Get quote
				Market	$868.48	More info
	Optional			Agreed or Market	$874.00	More info
	Optional		Optional	Agreed or Market	$939.98	Get quote
			Optional	Agreed or Market	$946.01	Get quote
	Optional		Optional	Agreed or Market	$958.27	More info
				Agreed or Market	$969.89	More info
				Agreed or Market	$974.22	More info
	Optional			Market more info button	$987.87	More info

• How we got these costs

  To determine these average costs, we sourced over 190 quotes from 30+ policies using driver profiles across different ages and genders with a South Australian address. The pricing above reflects the average of these. Read more about Finder's car insurance methodology.

  Remember, your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of car you drive, the colour of the car, how long you have been driving and the amount of cover you need.

  Be sure to read the product disclosure statement (PDS) to find cover that suits you.

Top pick for value: Youi comprehensive car insurance

What we like about Youi

• Youi ranked number 1 in SA for value in our Finder Awards. It covers more than most insurers but typically costs less. For example, it's the only car insurance provider out of 32 to automatically include roadside assistance with its comprehensive policy and it also won the national 2023 Finder Car Insurance Award for best features.
• It covers accidental damage, theft, towing costs and new car replacement if yours is written off within the first 2 years of it being registered.
• It's one of the cheaper policies on the market. Youi comprehensive car insurance costs an average of $640 per year in SA. That makes it the fifth cheapest insurer out of the 32 we researched.

• It only pays for the first 2 call-outs in a year. Standalone roadside assistance policies usually cover all call-outs.

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Why we picked Youi

We selected Youi as our top pick for value in SA because it came in first place when we filtered our awards data to look solely at quotes for South Australia. To determine the winner, we got 199 quotes across 32 different comprehensive car insurance policies based on multiple customer profiles. We then created a formula that scored policies based on features and value. The final score for our value winner was based on a 50:50 split of price and features.

Best for price: Bingle comprehensive car insurance

What we like about Bingle

• Bingle consistently offers the cheapest comprehensive car insurance out of the 32 providers we researched. It had an average cost of $482 per year in South Australia. That's over $57 less per year than PD Insurance, the second cheapest insurer in SA.
• It covers the essentials including fires, theft, floods and accidents, plus accidental damage to other people's cars and property.

• If you're looking for lots of additional inclusions with your car insurance, look elsewhere. Bingle is cheap because it covers damage to your car and others but not much else.

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Why we picked Bingle

We based our top pick for price on nearly 200 quotes for drivers in South Australia. The car model we used for all quotes was a 2018 Toyota Corolla Ascent 4 Door Sedan.

Bingle was the cheapest policy by $57. PD came second ($539) and ROLLiN' third ($653). We didn't consider any other features since the focus of this top pick is price.

Stuck on who to choose? These 3 providers were ranked as the top 3 comprehensive providers for best value in our 2023 Finder Awards when looking at South Australia.

1. Youi Comprehensive

2. NAB Comprehensive

3. Budget Direct Comprehensive

_{Scores are based on our methodology. Your circumstances may differ.}

_{Updated April 2023}

Types of car insurance in SA

There are 4 types of car insurance available in South Australia.

• CTP. The bare essentials. Everyone in SA is legally required to have compulsory third party insurance. If you injure someone on the road, CTP will pay for their medical care.
• Third party. If you hit someone else's car or property while driving, third party insurance covers the damage. It won't pay to fix your car though.
• Third party fire and theft. This covers damage to other cars and property, like third party insurance, and your car if it is stolen or damaged by fire.
• Comprehensive. This is the only type of car insurance that covers damage to your own vehicle. Comprehensive also pays out for weather damage, vandalism, theft and more.

How to find cheaper car insurance in Adelaide and regional SA

Use online discounts

Lots of insurers offer a first-year discount simply by buying online. These can knock a lot off your first 12 months. Keep an eye on them increasing prices substantially the following year though (and switch if they do hike your prices up).

Consider pay as you drive car insurance

If you don't drive that far each year, you might want to look into pay as you drive car insurance. This could be especially useful if you're in Adelaide and generally don't need to travel far.

Raise your excess

A higher car insurance excess can significantly reduce your premiums. As long as it's still affordable, you may want to raise your excess.

Our expert says

"Here's a really simple way to save money on your car insurance. Call your insurer and tell them you're considering leaving because of the price. Lots will offer to lower it. If they don't – that's not a big deal either because you probably can find a cheaper price elsewhere."

Gary Ross Hunter

Editor, Insurance

How much does car insurance cost in SA?

• How we got these costs

  To determine these average costs, we sourced over 190 quotes from 30+ policies using driver profiles across different ages and genders with a South Australian address. The pricing above reflects the average of these. Read more about Finder's car insurance methodology.

  Remember, your cost will differ depending on your circumstances. Some things that can affect the cost of your quote include your gender, the type of car you drive, the colour of the car, how long you have been driving and the amount of cover you need.

  Be sure to read the PDS to find cover that suits you.

Frequently asked questions

• What's the best car insurance in SA?

  The best car insurance in SA depends on your specific needs. To help you decide, we filtered our Finder Awards data to look solely at quotes we gathered for SA. Youi comprehensive car insurance came out on top for value. In addition to covering more than most, such as roadside assistance, it costs an average of $640 per year, making it the fifth cheapest insurer out of 32.

• What's the cheapest car insurance in SA?

  The cheapest comprehensive car insurance policy in SA is Bingle. According to our Finder Awards research, it costs an average of $482 per year.

• How much is car insurance in South Australia?

  Comprehensive car insurance in South Australia typically ranges from $500 to $1,500 annually, depending on a number of factors like age of the driver, age of the car, driving history and vehicle type. Drivers in Adelaide may face slightly higher premiums compared to regional areas.

To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.

Written by

Gary Ross Hunter

Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise

Gary Ross has written 644 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living