Cheap car insurance

Our experts sourced 1,000+ car insurance quotes using 36 Australian driver profiles to help you find the cheapest car insurance.

Car Insurance

Finding the cheapest car insurance

Our insurance experts have selected a handful of cheap comprehensive car insurance options based on 2023 Finder Awards research. You can also compare third party car insurance options below.

Keep in mind, these are the insurers that typically offer the cheapest options according to our research – but your prices will differ depending on your age, driving history, the car you drive and the the state you live in.

Why you can trust our research

30+

policies analysed

1,100+

quotes gathered

250+

hours of research

Cheap car insurance

Comprehensive car insurance is the only level of cover that protects your car as well as others. On average, prices start from around $767 per year, according to Finder research.

ProviderAdjustable excessRestricted driver optionOnline sign up discount/bonusesAgreed or market valuePriceApply
Picture not described
Market$767 More info
Rollin' car insurance
Agreed$821 Get a quote
Koba
Agreed$906 More info
AAMI insurance
Both$1,000 More info
Budget direct logo
Both$1,004 Get a quote

Best value car insurance: Budget Direct

Budget Direct comprehensive car insurance
Best value car insurance 2023

Our verdict

Budget Direct is a great all-rounder. It's good if you want a cheap policy that's good value for money.

Get a quote

Cheap car insurance with lots of features: Youi

Youi car insurance

Best car insurance features winner 2023

Our verdict

Youi comprehensive car insurance is a competitively priced policy that gives you a lot for your money. It's a good option if you value good customer service and want to avoid big out-of-pocket expenses. If they don't quote you a price you're happy with, give them a call. This strategy has been tried and tested by several of the Finder team.

Get a quote

Cheapest car insurance: Bingle

Bingle car insurance logo
Our verdict

Bingle comprehensive car insurance is a very cheap option. It's almost never beaten on price. The catch? It only covers the essentials and it has an all-online customer service and claims team.

More info

Cheap car insurance for young drivers: ROLLiN'

Rollin' car insurance
Our verdict

ROLLiN' is cheap for young drivers. It's good if you're in your 20s and you can cancel any time.

Get a quote

Cheap third party car insurance

Third party property damage car insurance is a cheaper alternative to comprehensive car insurance. Keep in mind though, third party policies are cheaper because they don't cover damage to your own car.

1 - 5 of 16
Product FCI Roadside assistance Accidental damage Storm Choice of repairer Agreed or Market Value
N/A
⭐ Current offer: Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.

Who it might be good for: Drivers who want a reliable insurer. It was the 2022 Insurer of the Year for Customer Satisfaction.
Optional
N/A
⭐ Current offer: Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.

Who it might be good for: Drivers who only want cover for damage to another person’s vehicle and up to 15% off your first year.
Optional
N/A
Earn Qantas Points when you sign up. T&Cs apply.
Optional
N/A
Up to $20 million legal liability cover plus up to $3,000 for damage caused by uninsured drivers.
N/A
Who it might be good for: Drivers who want a relatively cheap policy and a more environmentally-friendly brand – QBE was the 2022 Finder Green award winner.
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Cheap car insurance in your state

Finder sourced over 1,100 quotes based on multiple driver profiles from 30+ comprehensive policies. We've broken our research down by state. These are the cheapest policies. Keep in mind, costs differ based on your own circumstances.

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$848.87 More info
Koba$863.47More info
Rollin' car insurance$1,102.26 Get a quote
Budget direct logo$1,279.73 Get a quote
Virgin Money$1,304.49More info
Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Koba$720.32More info
Rollin' car insurance$729.82 Get a quote
Bingle logo$788.34 More info
AAMI car insurance$911.60More info
Budget direct logo$921.20 Get a quote

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$1,034.15 More info
Koba$1,035.74More info
AAMI car insurance$1,053.82More info
Budget direct logo$1,163.76 Get a quote
GIO$1,259.28More info

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$638.88 More info
Rollin' car insurance$794.90 Get a quote
AAMI car insurance$810.81More info
Budget direct logo$861.08 Get a quote
Koba$873.03More info

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$669.13 More info
Rollin' car insurance$716.70 Get a quote
AAMI car insurance$815.88More info
Budget direct logo$856.75 Get a quote
Virgin Money$873.89More info

Truck crush

Cheap comprehensive car insurance

ProviderPriceApply
Bingle logo$623.32 More info
Rollin' car insurance$762.04 Get a quote
Koba$868.46More info
AAMI car insurance$874.00More info
Budget direct logo$939.983 Get a quote

We didn't include quotes for NT and ACT because the sample size was too small.

Tips for finding cheap car insurance

  • Compare online. Loyalty doesn't pay with car insurance – the best value policy today might be more expensive when it renews next year. Shop around and you could save hundreds of dollars.
  • Restrict drivers. Choosing not to let drivers under 25 drive your car can lead to a premium saving.
  • Choose a higher excess. You'll have to pay more upfront to make a claim, but taking a higher excess will lower your regular premiums.
  • Pay annually. Some car insurers offer discounts if you're able to pay your annual premium upfront rather than in monthly instalments.
  • Keep your car in a garage. Your car is safer if it's kept in a garage or in an off-street parking spot, so your premium should be less.
  • Pay-as-you-go. If you don't use your car much, consider a pay-as-you-drive insurance policy. It can be a cheaper alternative if you drive fewer than 15,000km per year.
Peta Taylor's headshot

"When I got my renewal notice, my car insurance premium was due to increase by 21%. I got quotes from 5 other providers and then called my existing provider to let them know I was thinking of switching. They immediately knocked about $200 off the renewal cost and became the cheapest provider of those I'd researched. Not only did I get a cheaper deal, I got to stay with the insurer of my preference and didn't have to compromise on any features."

Associate publisher

Expert tips on finding cheap car insurance

Icon of prices increasing

Insurance premiums are on the rise

PocketSmith's Global Household Spending Snapshot shows monthly spending on general insurance in September 2023 was 4% higher than September 2022, equating to a dollar value of $15. This adds up to be an annual dollar value of around $180. In a landscape where every cent counts, comparing your options is crucial.

Frequently asked questions about cheap car insurance

Peta Taylor's headshot
Written by

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

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2 Responses

    Default Gravatar
    KarenJuly 10, 2024

    Wanting to ask 2 questions please

    Do you have motorhome insurance

    Wanting to insure a holiday home that is frequented every 3 months

      AvatarFinder
      SarahJuly 29, 2024Finder

      Hi Karen,

      Finder does not currently have access to any motorhome insurance brands, butthis guide provides some information that can help you make a decision.

      You can also see some options for holiday home insurance here.

      Hope this helps!

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