- Winner in Finder's 2024 customer satisfaction awards
- Automatically includes roadside assistance
- Cover for collisions, weather damage and more
- 15% off new online purchases*
- Best Value - 2024 Finder Award winner
- Cheaper than most insurers
- 15% off on first year’s premium when you buy online
- Includes higher coverage limits than some other providers
- Is comparatively cheap for all it includes
The best car insurance for you will depend on your budget and personal circumstances. Our experts have chosen a bunch of picks that will be great for many people, but these should only be used as a guide. You should always read the PDS to know which car insurance is best for you.
Best car insurance, Australia
According to Finder research, some of the best car insurers include:
- Youi car insurance
- Bingle car insurance
- Qantas car insurance
- Australia Post car insurance
- Budget Direct car insurance
- NRMA car insurance
- Hume Bank car insurance
Best for customer satisfaction: Youi comprehensive car insurance
Youi car insurance is the editor's pick for customer satisfaction because it's highly rated for: customer service, features and benefits, ease of application and value for money. 93% of Australians surveyed said they'd recommend Youi car insurance to a friend.
- Pros:
- Includes roadside assistance. It's the only car insurance provider out of 32 to do this.
- Is willing to negotiate on price. Multiple Finder staff have called Youi and negotiated a cheaper car insurance policy than the one they were originally quoted.
- Australian customers of Youi scored it 4.38/5 for customer satisfaction.
- Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
Cons:
- Youi roadside assistance only pays for the first 2 call-outs in a year.
- You usually need to finalise your car insurance quote over the phone.
- It can be more expensive than other insurers.
Best for value: Budget Direct comprehensive car insurance
Budget Direct car insurance is our best value pick because it's one of the cheapest comprehensive car insurers for all age groups. Despite that, it doesn't cut corners with its coverage. It also has a better customer service record than its main competitors.
Pros:
- It's cheap. The average policy costs $992 a year, according to our research – $371 less than average.
- It doesn't compromise on cover. It's very similar to major insurers like NRMA, Allianz and AAMI.
- High customer ratings. It scored highly in the Finder Customer Satisfaction awards (4.32/5) and on other popular review websites.
Cons:
- Budget Direct isn't the cheapest insurer. Bingle is cheaper – but it doesn't include as many benefits.
- It has a $500 limit for stolen or damaged personal items. AAMI's is $1,000.
- Its product disclosure statement (PDS) is split over 2 documents, creating unnecessary admin.
Best for Points lovers: Qantas comprehensive car insurance
Pros:
- Qantas's comprehensive policy offers a similar level of coverage to more expensive insurers, yet remains comparatively cheap.
- It includes higher coverage limits than others like up to $1,500 for key replacement (others offer up to $1,000)..
- You can save 15% on your first year’s premium when you purchase online. T&Cs apply.
Cons:
- If you choose to cancel your policy early, you may be charged a fee of $40. Some other policies don’t charge you to cancel early.
- If points aren’t important to you then there are other, more well-known brands available for cheaper.
- Its product disclosure statement (PDS) is split over 2 documents, creating unnecessary admin.
Best for Features: Australia Post comprehensive car insurance
Pros:
- It's one of the only insurers to include excess-free repairs if your windscreen is damaged. Many providers will make you pay extra for this.
- No stressing if someone else drives your car. Cover applies to anyone who gets behind the wheel.
- It's a great way to access the product and service you know and love from QBE but at a more affordable price point.
Cons:
- It's not cheap. Based on our research of 30+ comprehensive car insurance policies, it's in the top 5 most expensive.
- Roadside assistance isn't available via Australia Post. If you want this, you'll need to pay for it separately.
Best for price: Bingle comprehensive car insurance
- Pros:
- Typically the cheapest comprehensive car insurer available.
- It covers accidental loss or damage to your car, including theft and weather events.
- Can cover ridesharing.
Cons:
- New for old car replacement isn't automatically included. Most comprehensive policies cover this.
- It's online only with some customers complaining it is difficult to contact.
- You can't choose your own repairer.
Best for variety: NRMA
- Pros:
- $0 excess for glass damage with NRMA Comprehensive Plus – most insurers make you pay extra for this feature.
- Lots of optional add-ons to help you adjust your price.
- One of the only brands to offer vintage car cover.
Cons:
- There are at least 6 cheaper insurers according to our Finder Awards.
- It has lots of negative online reviews.
- The Vintage car insurance option won't cover you if you use the vehicle regularly.
Best for features: Hume Bank comprehensive car insurance
Hume Bank comprehensive car insurance is the 2024 Finder car insurance award winner for features. Out of 37 insurers and over 1,800 quotes, its comprehensive policy came out on top. If you want a lot for your money, they could be the insurer for you.
- Pros:
- Cover for accidental loss of or damage to your vehicle.
- New for old car replacement, trailer and caravan cover, rental car after theft and more.
- It typically costs less than $1,000 a year – over $300 less than the average comprehensive policy.
Cons:
- Budget Direct, Bingle, ROLLiN and more are cheaper.
- Maybe you don't need lots of features.
- Rental car following an accident is an optional extra.
Best car insurance providers in Australia
The best car insurance for you is one that gives you the amount of coverage you're looking for at a price you can afford.
Car insurance is one of the biggest household bills in Australia with drivers spending an average of $1,362 on a policy. This is where Finder's car insurance experts come in — we've researched over 90% of the most popular car insurers in Australia. The above have been shortlisted based on the following:
- Customer satisfaction — We surveyed thousands of Australians to understand who they've had the best experience with. This policy is for drivers who prioritise customer service, features and benefits, ease of application and value for money.
- Value for money — This policy offers ample coverage without breaking the bank. It's not the cheapest, nor the most expensive. It's good for drivers who want something cheap but effective.
- Price — We got over 1,800 quotes from the most popular car insurance providers in Australia to find who offered the best price on average. This is for drivers who want a simple policy and prefer low cost over features.
- Variety — We analysed policies from 35+ car insurance brands and found few that offered more than one comprehensive product. This policy is for the driver who likes lots of options to choose from.
- Features — We analysed policies from 35+ car insurance brands and analysed over 800 features as part of our 2024 Finder Awards.
Best rated car insurers
Customer Satisfaction rating
Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2024, we asked Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the insurers scored, these were the top 3. See our methodology for how each provider was scored.Brand | Overall satisfaction rating |
---|---|
★★★★★ 4.44/5 | |
★★★★★ 4.30/5 | |
★★★★★ 4.19/5 |
How much are Aussies spending on car insurance?
Every month, we ask hundreds of Australians what they're paying for car insurance. To show you how age impacts the cost of your monthly premium, we've broken these numbers down by generation. Here's what their bill looked like in November 2024.- Baby boomers: $104
- Gen X: $134
- Gen Y: $200
- Gen Z: $160
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