Compare third party car insurance

Third party property damage car insurance comparison

1 - 5 of 16

Product FCI	Fire and theft	Roadside Assistance	Legal Liability
Youi Third Party Property Damage Best Rated Brand			$20,000,000	⭐ 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.	Get Quote View details Compare	loading Fetching your data...
Budget Direct Third Party Property Only Finder Award		Optional add-on	$20,000,000	⭐ 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.	Get Quote View details Compare	loading Fetching your data...
Qantas Third Party Property Only		Optional add-on	Up to $20,000,000	Earn Qantas Points when you sign up. T&Cs apply.	Get Quote View details Compare	loading Fetching your data...
Huddle Third Party Property Damage	Optional	Optional add-on	Yes - $20,000,000	Up to $20 million legal liability cover plus up to $3,000 for damage caused by uninsured drivers.	Get Quote View details Compare	loading Fetching your data...
QBE Third Party Property Damage Green Company	Optional		$30,000,000	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.	Get Quote View details Compare	loading Fetching your data...

Great for price: Virgin third party property damage car insurance

Our verdict

Virgin is consistently one of the cheapest third party policies available. Our team got 250 quotes for third-party car insurance from 20 popular providers. Virgin was the joint cheapest on average across all major states.

- It cost an average of $37 per month in our research.
- It was $13 a month cheaper than the average price.
- It covers up to $5,000 worth of damage caused by an uninsured driver.
- Budget Direct was only a few cents more.
- Like other third-party policies, it does not cover damage to your own car.
- This is third party only cover; not third party, fire and theft.

Our team gathered 250 quotes from 20 different third-party car insurance policies across NSW, QLD, VIC, SA and WA. The car model used for all quotes was a 2007 Mazda 3 Neo BK Series 2 Auto 5DR hatchback.
Virgin emerged as the most affordable policy on average. Providers available in only one state, such as RAA, weren't included in the comparison.
It's important to note that while our team conducted extensive research, Virgin may not necessarily be the cheapest policy for every individual. Various factors such as location, driving history, age, and gender can influence the price of a policy.
Read more about our third party car insurance methodology.

Selected by Gary Ross Hunter – car insurance specialist

More info

Great for value: Budget Direct third party property damage car insurance

Our verdict

Budget Direct was the second cheapest third party policy, according to our research. To be exact, it was $1 more a year than Virgin! They're virtually the exact same policy but Budget Direct has more positive online reviews, so is still worth calling out.

- It's one of the cheapest third party property damage policies.
- You can lower costs further by restricting drivers.
- Comparatively good reviews online.
- There's a 15% sign-up discount but it only applies for the first year.
- Like other third party policies, it doesn't cover damage to your own car.
- It may cost you more if there's a younger driver on the policy.

Our team got 250 quotes across 20 different third party car insurance policies. We got quotes in NSW, QLD, VIC, SA and WA. The car model we used for all quotes was a 2007 Mazda 3 Neo BK Series 2 Auto 5DR hatchback.
Budget Direct was the second cheapest policy on average. We selected it as our value pick because it has good online reviews and scored highly in the Finder Customer Satisfaction awards.
Keep in mind, while our team did a lot of research, Budget Direct may not be the best value policy for you. There are lots of things that can impact the price of a policy such as where you live, your driving history, age and gender.
Read more about our third party car insurance methodology.

Selected by Gary Ross Hunter – car insurance specialist

Get a quote

Keep in mind that these costs are based on a limited profile that we've outlined below. As with all car insurance, the cost of a third party policy will vary based on your age, location, gender, and other variables such as where you park your car.

Brand	Yearly cost	Apply
AAMI	$481	More info
Bingle	$427	More info
GIO	$511	More info
Australia Post	$433	More info
Budget Direct	$389	Get quote
Kogan	$487	More info
Qantas	$448	Get quote
QBE	$567	Get quote
Everyday	$699	More info
ahm	$722	More info
CGU	$246.20	More info
Youi	$527	Get quote
Suncorp	$559	More info
Virgin Money	$391	More info
NRMA	$512	More info
Bendigo Bank	$225.82	More info

To determine this estimated cost, we sourced quotes in 2023 using this profile:

Male, aged 35
Lives in New South Wales
Drives a 2007 Mazda 3
Car travels up to 15,000kms per year
Excess $700 (differs depending on provider)
Driver has held his license for 5+ years

Car used for private use
Driver has made no claims in the last 3 years
No additional drivers
Excludes drivers under 25
No finance on the car
Car is kept in a garage
Market value

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Written by

Gary Ross Hunter

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 648 Finder guides across topics including:

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Compare third party car insurance

Our researchers gathered 200+ third party property damage quotes from 20 different insurers to help you compare your options.

Third party property damage car insurance comparison

Great for price: Virgin third party property damage car insurance

Our verdict

Pros and cons

Our methodology

Great for value: Budget Direct third party property damage car insurance

Our verdict

Pros and cons

Our methodology

Third party car insurance costs: research breakdown

Gary Ross Hunter

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