Car Insurance ACT

Compare car insurance in the ACT

1 - 10 of 137

Product	Roadside assistance	Accidental damage	Storm	Choice of repairer	Agreed or Market Value
Promoted Youi Comprehensive Finder Award				Optional	Agreed or Market	Summary: A great value policy with exceptional customer service. Youi won the 2024 Finder Award for Customer Satisfaction. It scored highly for features and benefits, customer service and reliability. It also automatically includes roadside assistance in its price - a feature that typically costs upwards of $90 per year.	Get QuoteView details Compare	loading Fetching your data...
Promoted Coles Comprehensive Insurance	Optional			Optional	Agreed or Market	Summary: Coles Comprehensive Car Insurance includes the benefits you’d expect, plus features like grocery replacement (up to $200 if damaged or stolen. T&C’s apply). You’ll also collect 2 Flybuys points for every $1 you spend at Coles when you link your Flybuys (max cap, exclusions and eligible purchases apply). ⭐ Current offer: Collect 10,000 Flybuys Points when you take out a new Coles Comprehensive Car Insurance policy and link your Flybuys account. Offer ends 30 April 2025. Plus, save 15% on your first year’s premium when you buy online. T&Cs apply. Who it might be good for: Those who want great quality cover and more rewards with Flybuys.	Get QuoteView details Compare	loading Fetching your data...
Promoted Budget Direct Comprehensive Finder Award	Optional			Optional	Agreed or Market	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 Compare	loading Fetching your data...
Qantas Comprehensive	Optional			Optional	Agreed or Market	Summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). ⭐ Current offer: Earn up to 30,000 Qantas Points with every car insured by 2 April. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply. Who it might be good for: People who want more bang for their buck with Qantas Points.	Get QuoteView details Compare	loading Fetching your data...
QBE Comprehensive Green Company				Optional	Agreed or Market	Summary: Finder's best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years. ⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply. Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).	Get QuoteView details Compare	loading Fetching your data...
Huddle Black Comprehensive					Agreed or Market	Summary: This goes further than most insurers. You get up to 2k for stolen keys, roadside assistance and rental car excess cover (for car rentals in Australia). Who it might be good for: Those who want top cover for their car.	Get QuoteView details Compare	loading Fetching your data...
Bingle Comprehensive Finder Award					Market	Summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras. Who it might be good for: Those wanting a low-cost, no-frills policy.	Get QuoteView details Compare	loading Fetching your data...
Australian Seniors Comprehensive	Optional				Agreed	Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover. ⭐ Current offers: Save 5% on your first year's car insurance premium by holding a valid Seniors Card. T&Cs apply. Who it might be good for: People over 50 years old looking for flexible cover options.	Get QuoteView details Compare	loading Fetching your data...
Huddle Comprehensive	Optional				Agreed or Market	Summary: Huddle's comprehensive policy will cover you if your vehicle is damaged or lost as a result of a collision, a natural event, a malicious act, theft or fire. It also includes up to $500 for essential repairs. Who it might be good for: Someone who drives less than 15,000 km a year can opt for Pay As You Drive cover.	Get QuoteView details Compare	loading Fetching your data...
ROLLiN' Comprehensive					Agreed	Summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess. ⭐ Current offer: Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply. Learn More. Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.	Get QuoteView details Compare	loading Fetching your data...

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How MAI works

Motor Accident Insurance (MAI) is legally required in the ACT — it is the only mandatory type of car insurance. MAI is insurance for personal injuries; it covers people injured in a motor accident, regardless of who is at fault. The premium you pay for this is based on the type of vehicle and applicable taxes.

To give you an idea of pricing, the below table is for passenger vehicles that aren't entitled to the input tax credit (ITC). Your own vehicle classification may be different so it's best to check which one is applicable to your circumstances.

These costs are accurate as of March 2025.

Cost of car insurance in the ACT

Provider	Excess	Comprehensive	Excess	Third Party Fire & Theft	Excess	Third Party Property Damage	Apply
	$800	$948.40	would not insure car		$700	$254.58	Get quote
	$800	$1,433.41	$800	$440.12	$800	$365.16	More info
	$795	$1,492.91	$795	$339.74	$795	$318.68	More info
	$800	$1,778.44	$800	$1,112.13	$800	$725.41	Get quote
	$850	$1,406.99	doesn't offer TPFT		$650	$363.07	More info
	$895	$784.30	doesn't offer TPFT		$895	$166.10	Get quote

These quotes are accurate as of March 2025.

• How we got these quotes.

  The above quotes were collected using a 30 year old male driver profile with a Canberra address, driving a 2022 Corolla. These prices should be used as a guide only. Your own quote will differ based on your personal circumstances.

What kinds of additional car insurance can I get?

For additional cover, you can choose between the three major types of extra car insurance. These extra policies are not mandatory, but at least one of them is a very good idea.

• Third party property damage: Only covers your third party liability for damage to other people's property. For example, the cost of damage to another person's car.
• Third party property damage with fire and theft: Includes third party liability as above, plus cover for fire and theft of your own vehicle.
• Comprehensive car insurance: Generally, the only type of car insurance that can cover accidental damage, storm and hail damage, and more. Comprehensive car insurance also includes third party property damage cover.

Generally, third party property cover is the minimum additional cover you'll want before getting on the road. If your car isn't very valuable, or if you don't want to pay more for cover, that might be all you want.

Comprehensive car insurance is generally the only cover type that can provide reliable protection for damage to your own vehicle. If you depend on having your vehicle in good condition, or if it's valuable enough to warrant comprehensive protection, then this might be the cover type for you.

FAQs

• What car insurance do I need in ACT?

  Motor Accident Insurance (MAI) is the only legally required insurance to have in the ACT. Drivers may choose to also consider getting comprehensive, third party fire & theft or third party property damage car insurance.

• Do you need CTP insurance in the ACT

  Yes. Compulsory third party insurance (CTP) is the same as Motor Accident Insurance and yes, it is mandatory.

• Is CTP included in rego in the ACT?

  Yes, compulsory third party (CTP) insurance, also known in ACT as Motor Accident Insurance (MAI) is included in your registration. You must renew your registration every 12 months.

Written by

Peta Taylor

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio