Australia’s best car insurance for November 2021

Young people standing in front of car looking over the ocean while looking up the best car insurance in Australia on their phone.

When you pick up a new ride or get behind a steering wheel, you'll want to have already investigated car insurance. There are multiple levels of cover to consider, including state-based variations of compulsory third party (CTP) insurance which you legally need to drive on Australian roads. Then there’s third party property damage car insurance which can help cover some repair costs if you cause damage to other people’s vehicles and property.

But if you’re after a policy that also insures your own wheels, you’ll want to compare comprehensive car insurance. Mozo tracks and compares comprehensive policies from more than 50 car insurance providers with varying coverage types and specialities.

When it comes to this broader kind of cover, many insurance companies will let you tailor coverage to your circumstances and budget. This includes options like pay-per-kilometre car insurance for people who don’t drive very often, and car insurance discounts to reward things like being a safe driver, having a fuel efficient car and holding multiple policies with the same provider.

But with so many options out there, there won’t be one best car insurance option to suit everyone. Depending on how you slice the data, pricing and policy inclusions, there are many ways to define which car insurance policies are the best. 

To highlight some top value and great quality car insurance options, we’ve pulled together information about a range of policies for you to investigate. Some have won Mozo awards and others are great deals the Mozo team wants to tell you more about.

Best car insurance for November 2021

Expert recommendations: Mozo Experts Choice Award-winning best car insurance policies

Graphic of Mozo Experts Choice Awards for Car Insurance.

Every year Mozo’s team of expert researchers and data analysts run a detailed assessment of comprehensive car insurance policies available in Australia. They collect publicly available pricing and policy information to assess each offering in terms of value and quality so they can award standout policies in the Mozo Experts Choice Awards^. 

In 2021, they analysed the features of 69 car insurance policies from 57 different providers, and assessed pricing based on 10,000 unique quote scenarios. You can see the full list of winners and read more about the judging criteria at the Mozo Experts Choice Car Insurance Awards page, or start by checking out a few of the award-winning policies below.

Mozo’s Value Insurance Provider of the Year for 2021

Budget Direct Gold Comprehensive Car Insurance*
  • 15% buy-online discount
  • New-for-old replacement (see conditions below)
  • Not-at-fault rental car cover

Key policy features: Budget Direct is Mozo’s Value Insurance Provider of the Year^, and alongside multiple car insurance award wins this show it’s delivering top-value cover. This policy includes useful features that’ll keep you driving smoothly like hire car cover for 14 days after a theft or not-at-fault accident (up to $1,000 in total). You’ll also be covered by new-for-old car replacement (when the car is under two years old or has driven less than 40,000km), $500 of personal property cover and $1,000 for replacement keys. You can receive a premium discount of 15% off your first year’s cover by applying for the policy online.

Exceptional Value Car Insurance

Huddle Comprehensive Car Insurance*
  • Pay-per-km policy option
  • New-for-old car replacement (under 2 years old)
  • 24/7 online claims lodgement

Key policy features: Huddle’s pay-as-you-drive policy option is one of its stand-out money-saving features. If you drive under 15,000km a year, Huddle offers up to a 30% discount on yearly premiums. Coverage limits for specific items are still generous. The policy covers $500 of personal property plus $500 specifically for child safety seats and prams, and up to $1,000 to replace locks and keys if stolen. It also comes with $500 to cover travel and accommodation costs after an accident if you are more than 200km from home, plus reasonable towing costs. And if your car is written-off Huddle will replace it with a brand new one (so long as the car is under two years old and you're the original registered owner, or if it was a dealer demonstrator model when you bought it).

Woolworths Comprehensive Car Insurance*
  • Drive Less, Pay Less policy option
  • 15% buy-online discount
  • New-for-old cover (under 2 years)

Key policy features: Woolies’ Drive Less, Pay Less policy option offers drivers a premium discount when they set and stay under an annual kilometre limit. There's a range useful policy points with sub-limits, including $500 for personal property and up to $1,000 to replace stolen keys and locks. Plus, this policy also provides new-for-old car replacement if your wheels are written-off (so long as the car is less than two years old), and there’s a discount of up to 15% on your first year’s premium if you apply online.

Exceptional Value Senior Driver Insurance

Youi Comprehensive Car Insurance*
  • Emergency roadside assistance included
  • New-for-old-car replacement (within 2 years and 40,000km)
  • $1,000 emergency repairs and accomodation

Key policy features: Youi’s policy features many flexible options you may be after at an affordable price. In an emergency you can access up to $1,000 to cover repairs without an insurance assessment, or choose to use those funds for accommodation and travel if you’re more than 100km away from home. Emergency roadside assistance is also included as standard in this policy. You’ll be able to get back onto the road after a theft or an accident where you’re not at fault with Youi’s hire car cover (for up to 14 days). Youi also offer new car replacement if your vehicle is written-off and under two years old (as long as there’s less than 40,000km on the odometer).

Exceptional Value Young Driver Insurance

Rollin' Comprehensive Car Insurance*
  • Monthly premiums available at no extra cost
  • $0 excess for windscreen cover
  • Simplified excess

Key policy features: Previously known as Poncho Car Insurance, Rollin' aims to keep cover as simple as possible by offering monthly payments at no additional cost and cover you can cancel any time without penalties. The comprehensive policy covers damage to your car in the event of an accident, storm or theft, and if there’s less than 15,000km on the odometer Rollin' will replace your car if it’s written-off with a new comparable model. If you damage your windscreen or window glass, repairs will be organised without you having to pay any excess. And for other claim types, you’ll be looking at a single $800 excess for all listed drivers, making this a good option for drivers under 25 who might otherwise face an additional young driver excess (just remember unlisted drivers can still face up to $3,000 additional excess).

Virgin Money Comprehensive Car Insurance*
  • 15% buy online discount (for the first year’s premium)
  • Up to 15% no claims discount
  • Automatic hire car cover after theft or not-at-fault accident

Key policy features: You’ll be well taken care of by a Virgin Money Comprehensive Car Insurance policy in an emergency. It covers up to $200 per-day in travel and accommodation costs after an accident (maximum $1,000 in total), plus $500 in emergency repairs to get your wheels back on the road, as well as hire car cover for 14 days (up to $1,000) to keep you moving. Hire car coverage is included as standard after a theft or not-at-fault accident, but is only an optional extra for at-fault accidents. If you apply for the policy online, you’ll be treated to a 15% discount on your first yearly premium. And if you keep a clean claims record, you could build up a no claims discount as high as 15% (this will increase for each consecutive year you make no at-fault claims, but can be reduced if you do claim).

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

^See information about the Mozo Experts Choice Car Insurance Awards

Exceptional Quality Car Insurance Awards

In addition to our Value awards, Mozo also commends car insurance policies with the most generous range of features and coverage limits in the Exceptional Quality awards. The 2021 winners in this category were:

  • NRMA Comprehensive Plus Car Insurance & Comprehensive Car Insurance (NRMA was also the 2021 Quality Insurance Provider of the Year)
  • GIO Platinum Car Insurance
  • RAA Comprehensive Car Insurance
  • RAC Comprehensive Car Insurance
  • RACV Complete Care Car Insurance
  • SGIC Comprehensive Plus Car Insurance
  • Shannons Comprehensive Motor Vehicle Insurance
  • Suncorp Insurance Comprehensive Advantages Car Insurance

Customer favourites: Best car insurance from Mozo People’s Choice Award winners

Graphic of Mozo People's Choice Awards for Car Insurance.

The Mozo People’s Choice Awards are based on customer reviews and recommendations. These insights can help give Aussie consumers a better understanding of what it’s like to take out financial products with different providers. To assess car insurance companies for the 2021 People’s Choice Awards, reviews were collected via a nationally representative IPSOS survey of close to 4,000 Australians. The results reflect overall customer satisfaction with an insurance company, including factors like customer service, sign-up processes and claims experiences. 

While companies are awarded at the provider level, we’ve selected standout comprehensive car insurance policies from a few of the winners below.

Shannons Comprehensive Motor Vehicle Insurance*
  • Up to 60% no claims discount
  • Hire car after theft and not-at-fault accidents
  • Excess-free windscreen repair (one claim per policy period)
Find out more

What you need to know: Shannons is the car insurance for gearheads, and their comprehensive policy can provide specialised cover for vintage and classic cars. Most modifications and accessories are covered (you’ll need to come to an agreement on price when you take out a policy), in addition to $1,000 for personal property inside the car, $750 for child seats and up to $1,000 for emergency accommodation or repairs after an insurable incident. You’ll also be set up with a hire car after a theft or accident where you weren’t at fault (for 21 days) and you can make one claim each policy period to repair window glass or windscreens without having to pay any excess. In the Mozo People’s Choice Awards, Shannons took home a whopping 5 awards out of 6 potential categories.

Bingle Comprehensive Car Insurance Policy*
  • Efficient online claims and sign-up processes
  • Flood damage covered as standard
  • Baby capsules covered (up to $500)

What you need to know: This policy packs the most critical aspects of comprehensive cover into an affordable package. Damages caused by natural disasters and road accidents will be covered, and Bingle will sort you out for reasonable towing, travel and accommodation costs after an accident or emergency repairs to get you back on the road (check your Product Disclosure Statement for limits on this). Bingle is an online-only insurance company, which means the sign-up and claims process is all digital, so you’ll want to be an internet savvy driver with this policy. But it seems customers are pretty happy with it, as Bingle won a Mozo People’s Choice Award for its sign-up experience.

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

^See information about the Mozo Experts Choice Car Insurance Awards

Editor’s pick of the month: Best car insurance deals on Mozo in November

Person with car and dog on a beach at sunset, with the text 'Mozo Editor's Pick' overlaid.

Below are some great car insurance offers from Mozo’s partners this month, selected by our editors. We’re highlighting these policies as they include features which might be of interest to different types of driver. If you want to compare these against other options, head to our car insurance comparison page to search through our complete database or read car insurance news and policyholder guides.

Specialist car insurance for women

Stella Comprehensive Car Insurance*
  • Cover for $2,000 in baby equipment
  • Domestic violence damages cover
  • No-claim excess reward up to $300

Key details: This is a great policy for parents, with up to $2,000 in baby gear and another $1,000 in personal items covered for theft and accidents. Another differentiating factor in this policy is the domestic violence cover. If your car is deliberately damaged by a current or former partner (or another driver listed on your policy) you don’t have to pay any excess as long as you report the incident to the police. And if your car is less than three years old and has travelled under 60,000km, it’ll be replaced with a new comparable model if it’s written-off. Stella also does discounts a little differently. Instead of accruing a discount on your premium for keeping a clear claims history, you’ll get $100 taken off your excess for each consecutive year you don’t make any at-fault claims (for a maximum of 3 years). Remember, Stella policies are open to all Australians, but there are some special benefits for drivers who identify as female.

Car insurance with excess-free windscreen repairs

Australia Post Comprehensive Car Insurance*
  • $75 apply online discount for the first year
  • Modifications automatically covered
  • Excess-free windscreen repairs

Key details: An AusPost policy keeps things simple with modifications and car accessories included as standard. Getting your windscreen or window glass repaired is similarly simple, as you don’t have to pay any excess on this kind of claim (although you may have to pay excess on a full replacement). Other generous features include $1,000 of personal property cover for items inside your car, up to $1,000 cover for emergency travel and accommodation if you’re more than 100km away from home, and new-for-old replacement if your car is written-off (up to 3 years old and driven under 60,000km). Right now, new customers can also get $75 off their first annual Australia Post Car Insurance premium by applying online.

Car insurance which can earn you Qantas points

Qantas Comprehensive Car Insurance*
  • Earn up to 20,000 Qantas points for taking out a policy (conditions apply)
  • Earn more Qantas points for optional roadside assistance
  • Hire car cover after theft and not-at-fault accident

Key details: When you take out a Qantas Car Insurance policy you can earn up to 20,000 Qantas points just for signing up (your premium determines the number of points you get). And if you’re keen to add roadside assistance as an optional extra for an additional premium, you’ll earn another 1 Qantas point for every $1 you spend. Besides these perks, this policy has excellent post-accident support. You’ll get hire car cover for up to 14 days (or maximum $1,000) following a theft, or in the case of a not-at-fault accident until your car is repaired or a claim paid. Emergency travel and accommodation costs after an accident are also included ($200 per-day, up to $1,000). And if your car is written-off within two years and has less than 40,000km on the odometer, it'll be replaced with a new comparable vehicle.

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

^See information about the Mozo Experts Choice Car Insurance Awards

Most common FAQs about car insurance

What are the best car insurance features to look out for?

This really depends on your car and the policy points you want to prioritise. However, there are some features you’ll often see included in comprehensive car insurance that could be useful beyond the standard cover for damages caused by accidents, weather events, fire, theft and malicious acts. While this is certainly not an exhaustive list, some of these features may include: 

  • New-for-old car replacement: This involves an insurance company replacing your car with a new comparable model if it’s written-off. Keep in mind, this often comes with limits based on the age of the vehicle and how far it has driven.
  • Emergency support: This might include a certain amount of money to cover towing and emergency repairs to get your car back on the road, or travel and accommodations costs to get you home after an incident (this is often reliant on you being a certain distance from your residence).
  • Hire car cover: Generally, policies will specify if this is included as standard after a theft or accident where you either are or are not at fault. Most policies also specify day or dollar limits for the amount they’ll pay out for hire car cover.
  • Modifications: If you’ve elevated your ride beyond factory settings with mods or accessories, you may want to look for a policy that will cover these.
  • Personal property cover: This is coverage for items you keep inside your car that may get stolen or damaged. You’ll sometimes see baby seats or child restraints listed separately to other property, but both categories will normally have set dollar limits.
Can I get discounts on my car insurance?

Yes, there are a huge range of potential discounts on car insurance policies. However, not every policy or insurance provider will offer the full range of discounts, so it might be worth comparing policies to see where you could save on car insurance costs.

Be on the lookout for online application discounts, which usually reduce your first yearly premium for taking out a policy online. Other common discounts include loyalty discounts, multi-policy discounts (this often include other kinds of insurance like home or life insurance) and no claims bonuses which reduce your premiums the longer you make no claims on your policy.

If you want to learn about other discount options, check out our car insurance discount guide.

What’s the best car insurance excess to choose?

The ‘excess’ on a car insurance policy is the amount of money you’ll need to pay your insurance provider upfront if you make a claim before the cover kicks in. Most providers give you some leeway in choosing what that excess level is. 

Choosing a high excess can reduce your premium to some extent, but you’ll need to pay a higher amount to access your coverage when you make a claim. On the flipside, a low excess means smaller claim time payments but a potentially higher premium. Basically, choosing the best excess for you involves weighing up those two scenarios and seeing how each option fits into your budget. 

It’s also important to remember you might be required to pay an additional excess if the person driving your car at the time of the incident was a young or inexperienced driver, or wasn’t listed on your policy.

Can young drivers get the best car insurance?

Young or inexperienced drivers are often slapped with higher premiums and excess levels to account for their statistically higher likelihood of getting involved in an accident and making an insurance claim. However, they can generally still take out full-coverage policies with solid cover at an accessible price, especially if they can take advantage of various discounts.

If you want to know more about your insurance options as a younger driver, check out our dedicated guides for: 

What’s the best car insurance for my car?

Again, this depends entirely on your personal and financial situation, as well as the kind of car you own and how you use it. 

While a more basic level of cover like a third party policy or third party fire and theft insurance may suit some drivers, those looking to cover their wheels for the most extensive range of events should look to comprehensive car insurance. These broader cover policies are the options we compare in the Mozo Experts Choice Awards^.

So, if you want to learn more about the best insurance for your car when it comes to comprehensive cover, head over to the Mozo Experts Choice Car Insurance Awards page for more details on the 2021 award-winning policies.

Can I get the best car insurance anywhere in Australia?

Most car insurance companies operate Australia-wide, but there are a few area-specific providers that only operate in certain states and territories. If you're looking to compare car insurance policies and requirements where you live, Mozo has the details on the kind of cover you need and localised providers in:

While your car insurance provider considers the state or territory in which the car is registered when formulating premiums, your cover will still be valid If you drive interstate for a holiday or short-term period and need to make a claim.  

If you're planning on spending a lot of time away from your registered address, it's a good idea to check in with your insurance company. They may have limits on the number of days you can be out of the state and still be covered.