AAMI vs NRMA Car Insurance
A side by side comparison of AAMI and NRMA car insurance including expert analysis of pricing, features, complaints and reviews.
AAMI and NRMA are two of Australia's most popular car insurers. They're relatively similar in price according to our research and cover but one may more suited to you than the other depending on where you live.
AAMI vs NRMA — compare key features
We've compared the basic comprehensive car insurance policies on offer from AAMI car insurance and NRMA car insurance. See further below for other types of car insurance offered by these providers.
AAMI Comprehensive Car Insurance |
NRMA Comprehensive |
|
|---|---|---|
| Underwriter |
AAI Limited |
Insurance Australia Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Bonuses |
$50 online discount |
10% online discount |
| Roadside assistance |
Optional |
No |
| Agreed or market value |
Agreed or Market |
Agreed or Market |
| Choice of repairer |
|
Optional |
| Legal liability |
Yes - $20,000,000 |
Yes - $20,000,000 |
| Fire and theft |
|
|
| Storm |
|
|
| Flood | ||
| Hire car after theft |
Reasonable costs - Up to 21 days |
Up to $75 per day - Up to 21 days |
| Hire car after no fault accident |
Optional Up to $90 per day |
Optional Up to $75 per day - Up to 14 days |
| Hire car after at fault accident |
Limit not disclosed |
Reasonable Cost |
| Emergency repairs |
Up to $1,000 |
Up to $800 |
| Emergency travel and accommodation costs |
Up to $1,000 |
Up to $1,000 |
| New car replacement |
If your car is written off or stolen in the first 2 years |
If your car is written off in the first 2 years |
| Personal effects/property |
Up to $1,000 |
Up to $1,000 |
| Locks and keys replacement |
|
Up to $1,000 |
| Towing |
|
|
| Trailer cover |
Up to $1,000 |
Up to $1,000 |
| Important |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. |
AAMI vs NRMA car insurance prices compared
As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.
On average, AAMI typically offers cheaper car insurance than NRMA on average. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.
| Provider | NSW | QLD | SA | TAS | VIC | WA | Aus average |
|---|---|---|---|---|---|---|---|
| AAMI | $1,884 | $1,106 | $1,015 | $985 | $1,318 | $1,002 | $1,218 |
| NRMA | $2,027 | $1,154 | $1,038 | $1,004 | N/A | $1,034 | $1,252 |
These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.
About our car insurance methodology
Car insurance policies on offer
AAMI offers 2 levels of non-mandatory car insurance:
- AAMI Comprehensive
- AAMI Third party property damage
AAMI's third party property damage policy can have fire & theft car insurance added to it.
NRMA offers 4 levels of non-mandatory car insurance:
- NRMA Comprehensive Plus
- NRMA Comprehensive
- NRMA Third Party Property Damage
- NRMA Third Party Fire & Theft
NRMA also offers compulsory third party (CTP) insurance.
Customer reviews
NRMA and AAMI both have pretty negative reviews online. While it's worth taking this into consideration, keep in mind that they are both very popular insurers so it's likely that they will have more complaints than smaller brands.
NRMA and AAMI complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from AAMI (AAI) and NRMA (Insurance Australia Limited) have received and resolved.
| Underwriter | Complaints recieved | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| AAI | 2231 | 1370 | 61.43% |
| Insurance Australia Limited | 1413 | 760 | 53.82% |
Finder's verdict
AAMI and NRMA are typically quite similar in price but if you live in NSW, NRMA might be more expensive. Our research found a $140 difference in premiums between the two insurers. In terms of what you get for your money, they're pretty similar. NRMA has a good customer service record and a bunch of actual branches scattered across NSW.
Gary Ross Hunter
Insurance and innovations editor
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