Compare comprehensive car insurance

Compare comprehensive car insurance from 19 different providers.

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Compare comprehensive car insurance

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Product FCI Finder Score Accidental damage Roadside Assistance Agreed or market value Storm & Flood
Finder Score
8.5 Great
Agreed or Market
Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards.

Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
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Budget Direct Comprehensive
Finder Award
Budget Direct logo
Finder Score
9.1 Excellent
Optional add-on
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.
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Coles Comprehensive Insurance
Coles logo
Finder Score
9.1 Excellent
Optional add-on
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: Get $50 off one Coles shop when you take out a new Coles Car Insurance policy and link your Flybuys account. Offer ends 30 November 2024. 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.
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Qantas Comprehensive
Qantas Car Insurance logo
Finder Score
9.1 Excellent
Optional add-on
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 40,000 Qantas Points with every car insured by 29 January. 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.
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Youi Comprehensive
Finder Award
Youi logo
Finder Score
8.5 Great
Agreed or Market
Summary: One of the only insurers to automatically include roadside assistance. It also won 12 out of the 22 categories in Finder's 2024 customer satisfaction awards.

Winner of 12 out of the 22 categories in Finder's 2024 customer satisfaction awards. Yes, that many.
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ALDI Comprehensive
ALDI logo
Finder Score
8.5 Great
Agreed
Summary: ALDI's comprehensive insurance policy covers your car for an agreed value and a variety of policy benefits.

Who it might be good for: Ideal for those seeking competitive coverage limits, though other products may have higher limits.
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Huddle Black Comprehensive
Huddle logo
Finder Score
8 Great
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.
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QBE Comprehensive
Green Company
QBE logo
Finder Score
5.9 Standard
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).
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ROLLiN' Comprehensive
ROLLiN' logo
Finder Score
9 Excellent
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.
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Huddle Comprehensive
Huddle logo
Finder Score
8 Great
Optional add-on
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.
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Best value comprehensive car insurance: Budget Direct

Budget Direct comprehensive car insurance
Best value car insurance 2024

What we like about Budget Direct:

  • It was our 2024 Finder Awards winner for best value comprehensive car insurance. It covers you for the essentials, such as damage to your own car and others, plus pays for other expenses including if you need to replace your keys or get a hire car if yours is stolen. Plus you get a 15% discount in your first year when buying online.
  • It earned the highest score for best value in our Finder Awards and an average price of $992 a year.
  • Budget Direct doesn't necessarily offer the cheapest comprehensive car insurance policy. That award goes to Bingle. However, it does cover you for more.
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Best comprehensive car insurance for customer satisfaction: Youi

Youi car insurance

Best customer satisfaction winner 2023

What we like about Youi:

  • It's good if you want a very comprehensive policy. It covers all the basics plus it's the only car insurance provider to automatically include roadside assistance with its comprehensive policy.
  • It costs an average of $1,359 per year inclusive of roadside assistance. While a few other insurers could beat this average cost, none of them include roadside assistance (which is typically around $100 extra per year).
  • Youi placed first out of 15 car insurers in Finder's Car Insurance Customer Satisfaction Awards 2023. It scored particularly highly in the categories of customer service and ease of application.
  • You usually need to speak with someone over the phone before you buy a policy, so if you'd rather do it all online, Youi may not be best for you.
  • Its roadside assistance feature only covers the first 2 call-outs in a year.
  • You don't automatically get to choose your own repairer. You have to pay extra for this.
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Cheap comprehensive car insurance: Bingle car insurance

Bingle car insurance logo
Best low cost car insurance 2024

What we like about Bingle:

  • At an average of $862 per year, Bingle had the cheapest comprehensive car insurance premiums out of the 30+ providers we reviewed in our Finder Awards. That's why it won the 2024 Finder car insurance award for low cost.
  • It's cheaper than other insurers because it covers you for the essentials and nothing more – for example, it'll cover damage to your car, from bad weather to accidents, plus damage to other people's cars and property. If you want cover for agreed value then you'll need to look elsewhere.
  • Bingle isn't the best policy if you want lots of extras. For example, windscreen cover and a hire car after an accident aren't automatically included.
  • Bingle is all online and its customer service can be difficult to get through to, according to customer reviews.
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Top pick for quality service: Aus Post comprehensive car insurance

Aus Post car insurance logo

What we like about Australia Post:

  • Its policies are issued by QBE which has one of the best complaints records of all the very large insurers. Why not just go with QBE then? Because Australia Post's policies tend to be cheaper.
  • 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 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.
More info
Gary Ross Hunter's headshot
Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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Gary Ross has written 647 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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