ANZ car insurance review

ANZ car insurance is typically more expensive than average, but it does have some generous benefits.

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Nicola Middlemiss

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Our verdict

Pros

  • You're covered if you accidentally put the wrong fuel in your car - a very rare benefit
  • Up to $1,500 for emergency accommodation, higher than any other brand we compared
  • Up to $1,000 for emergency repairs - most brands only offer $500

Cons

  • You have to call ANZ directly to request a quote or buy a policy, you can't do this online
  • Historically, ANZ's policies have been more expensive than average
  • Only certain policyholders can claim online, otherwise you'll have to call

How does ANZ compare with other car insurers?

ANZ's benefit limits are often higher than most other car insurance brands. However, drivers typically face a significantly higher-than-average premium.

Features

1 - 5 of 5
Updated regularly
Product Finder Score Choice of repairer New Vehicle Replacement Roadside assistance Hail, storm and flood damage
Finder Score
9.1 Excellent
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
    • Optional
    Summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    Get QuoteView details
    ANZ Comprehensive Plus
    ANZ logo
    Finder Score
    Optional
  • If your car is written off in the first 3 years
    • View details
    NRMA Comprehensive
    NRMA logo
    Finder Score
    9.9 Excellent
    Optional
  • If your car is written off in the first 2 years
    • Optional
    View details
    AAMI Comprehensive Car Insurance
    AAMI logo
    Finder Score
    8.3 Great
  • If your car is written off or stolen in the first 2 years
    • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    View details
    Allianz Comprehensive
    Allianz logo
    Finder Score
    7.7 Great
  • If your car is written off or stolen in the first 2 years
    • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for. For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
    View details
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    Price

    Of over 30 brands compared in the 2023 Finder Car Insurance Awards, ANZ was the most expensive. On average, its policies cost $2,223 a year — significantly higher than the average. Although it's worth noting that ANZ's policy benefits and limits are particularly generous and the best car insurance for some drivers may depend on more than price. For those who are looking for a cheap car insurance policy, it may not be suitable.

    Due to ANZ no longer offering online quotes, it wasn't eligible for analysis in the 2024 car insurance awards.

    Compare ANZ's policies

    Product
    Accidental damage
    Roadside assistance
    Fire and theft
    New Vehicle Replacement
    Hire car after theft
    ANZ Comprehensive Plus
    ANZ logo
  • If your car is written off in the first 3 years
  • Up to $100 per day
    • View details
    ANZ Third Party Fire and Theft
    ANZ logo
  • Up to $65 per day - Up to 21 days
    • View details
    ANZ Third Party Property Damage
    ANZ logo
    • View details
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    What additional cover options are available?

    Many common add-on benefits are included as standard in ANZ car insurance policies, including excess-free windscreen cover and hire car after any insured incident. However, ANZ does offer one additional option -

    • Any repairer - You can choose any licensed repairer to repair to fix your car, regardless of whether they're a ANZ partner repairer.

    FAQs

    Compare other products from ANZ

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 243 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance
    More resources on Finder

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