Suncorp car insurance review

Suncorp’s benefit limits are high in comparison to many other providers, but its policies are more expensive than most.

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Our verdict

Pros

  • Strong benefit limits, including Up to $1,000 for emergency repairs
  • Save $50 when you buy a new comprehensive car insurance policy online
  • Customers who drive less than 10,000km a year may be eligible for a reduced premium

Cons

  • Suncorp's policies are more expensive than most other providers
  • Some policy wording is ambiguous, including hire car cover up to a "Reasonable costs - Up to 21 days"
  • Young and inexperienced drivers automatically have a higher excess

How does Suncorp car insurance compare with other car insurers?

Suncorp generally has high benefit limits compared to other car insurers, offering strong cover. As such, its policies are more expensive than most.

Features

Product FCI Finder Score Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
Finder Score
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    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.
    Finder Score
  • If your car is written off in the first 2 years
  • Optional
    Summary: Suncorp comprehensive policyholders can benefit from flexible payment options, a lifetime guarantee on authorised repairs, baby capsules and child seats cover, and more. Eligible Suncorp insurance customers can take advantage of Suncorp Benefits including 5% discount on fuel from Caltex.

    ⭐ Current offers: Save $50 on your first year’s premium when you quote and buy comprehensive car insurance online. T&Cs apply.

    Who it might be good for: People who drive less than 10,000km per year can benefit from additonal discounts.
    Finder Score
    Optional
  • If your car is written off in the first 2 years
  • Finder Score
  • If your car is written off or stolen in the first 2 years
  • Optional
    Summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Finder Score
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for. For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.
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    Finder Score for car insurance

    We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.

    Read the full Finder Score methodology

    Price

    Price comparison data from the 2024 Finder Insurance Awards found that, on average, an annual comprehensive car insurance policy from Suncorp costs $1,559 — that's almost 13% higher than the general average of $1,362.

    Keep in mind, these prices are based on a fictional profile and your own quote will differ. This should be used as a guide only.

    Additionally, the best car insurance for you may be based on more than price and a policy's features should be considered too.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    Suncorp car insurance logo$2,003$2,107$1,240$1,100$1,588$1,317$1,559More info
    Budget Direct Logo$1,148$941$978$829$1,180$880$992Get quote
    youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
    NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
    AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

    About our car insurance methodology

    Compare Suncorp car insurance's policies

    Product FCI Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    Optional
  • Reasonable costs - Up to 21 days
  • Optional
  • If your car is written off in the first 2 years
  • Reasonable costs - Up to 21 days
  • Optional
  • If your car is written off in the first 2 years
  • Reasonable costs - Up to 21 days
  • Summary: Suncorp comprehensive policyholders can benefit from flexible payment options, a lifetime guarantee on authorised repairs, baby capsules and child seats cover, and more. Eligible Suncorp insurance customers can take advantage of Suncorp Benefits including 5% discount on fuel from Caltex.

    ⭐ Current offers: Save $50 on your first year’s premium when you quote and buy comprehensive car insurance online. T&Cs apply.

    Who it might be good for: People who drive less than 10,000km per year can benefit from additonal discounts.
  • Reasonable costs - Up to 21 days
  • loading

    Finder Awards badge

    Congratulations, Suncorp!

    Suncorp received the following awards in the 2024 Customer Satisfaction Awards:

    • 'Car Insurance - QLD' - Legendary Service (Winner)
    • 'Car Insurance - QLD' - Loved Brand (Highly Commended)
    Full list of 2024 winners

    What additional cover options are available?

    Depending on which level of comprehensive cover you choose, Suncorp offers some optional extras, including:

    • Roadside assist - Get 24/7 roadside recovery for mishaps including flat batteries and tyres.
    • Windscreen and window glass cover - Repair or replace your windscreen, windows, or sunroof once a year without paying any excess.
    • Hire car after an event - Get a hire car for up to 21 days after any insured event – including at-fault incidents and weather damage.

    FAQs about Suncorp car insurance

    Compare other products from Suncorp Bank

    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 241 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance

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