Your car is covered by Motor Injury Insurance in WA, which comes as part of your vehicle registration AKA your rego.
This insurance package is made up of two main parts: Compulsory Third Party (CTP) and Catastrophic Injuries Support (CIS).
CTP kicks in if you accidentally cause harm to someone else while driving anywhere in Australia. Then there's CIS, which steps up if someone ends up with a really serious injury from a car crash.
This insurance package doesn't handle any damage your car might cause to other vehicles or property. You’ll need third party and comprehensive cover if you want to protect your vehicle as well.
The best car insurance for you will depend on your personal circumstances and the level of coverage needed. For many people, the best policy for them is one that offers adequate coverage at a price they can afford.
As part of the 2024 car insurance awards, Finder's car insurance experts researched 32 popular car insurance providers in Western Australia to find which policies offer the best value for money.
According to this research, Hume Bank car insurance offers the best value policy for drivers in WA.
Hume Bank comprehensive car insurance is cheap but covers a lot – damage to your own car, emergency repairs, new car replacement, towing and more.
The cheapest car insurance for you will depend on your personal circumstances and what level of cover you need.
As part of our 2024 car insurance awards, we researched 32 car insurers in WA to find who offers the lowest-cost comprehensive policy. This research determined RoLLiN' car insurance to be the most budget-friendly, closely followed by Bingle car insurance.
ROLLiN' comprehensive car insurance is cheap and good for younger drivers. Unlike other insurers, there’s no age based excess.
| Provider | Annual cost | Apply |
|---|---|---|
 | $674 | |
 | $761 | |
| $831 | |
 | $872 | |
 | $872 | |
 | $876 | |
 | $880 | |
 | $932 | |
 | $935 | |
 | $1,003 |
Third party property car insurance. This covers you for costs if you damage someone else's car or property. It won't cover repair costs for your car. It could be good if you have a cheap car you’d be happy to replace if it was damaged.
Third party, fire and theft car insurance. This covers costs if you damage someone else's vehicle or property. It can also cover your car if it's damaged by fire or stolen. It doesn't cover you for damage to your own car due to an accident, storm or flood. It could be good if you live in a bushfire prone area but don’t want comprehensive cover.
We sourced over 100 quotes from 15 popular car insurance providers in Western Australia. Below is a breakdown of the pricing. Keep in mind, these quotes are based on a fictional driver and your own costs will differ.
| Provider | Annual cost for third party property only | Annual cost for third party fire & theft | Apply |
|---|---|---|---|
| $521 | $527 | |
 | $676 | $716 | |
$369 | $547 | ||
| $457 | N/A | |
| $294 | $385 | |
 | $602 | $638 | |
 | $433 | $448 | |
 | $414 | $619 | |
 | $426 | $490 | |
 | $323 | $424 | |
 | $575 | $788 | |
 | $309 | $403 | |
 | $460 | $471 | |
| $300 | $393 | |
 | $644 | $871 |
Our car insurance quotes methodology
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