Compare Car Insurance Australia: Save up to 15% online
Looking for the cheapest car insurance? You’ve landed in the right place. Mozo has rounded up the month's top comprehensive car insurance deals from popular Australian insurers to save you time and money. Compare key policy details and discount offers before clicking to get a personalised online quote for your car.
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Drive Less Pay Less option to reduce premiums for limited kilometres.
Coverage summary
- within 2 years of original registration
- Up to 14 days, max $70 per day.
Optional Extra. Up to 20 days, max $70 per day.
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Covered only if agreed in writing.
$1,800 for listed drivers under 18, $800 for listed drivers between 18 and 21, $2,600 for unlisted drivers under 18, $1,600 for unlisted drivers between 18 and 21, $800 for inexperienced drivers over 25, $800 for learner drivers.
Car Insurance - The New Way! Personalised prices based on how you drive (not who you are)
UbiCar provides low cost Comprehensive Car Insurance based on how YOU drive. We use technology to provide you the best pricing, based on your driving behaviour, we pass the savings directly to you.
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t at fault - Optional Extra. At fault - Optional Extra. Up to 20 days, max $70 per day.
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Covered only if agreed in writing.
$1,800 for listed drivers under 18, $800 for listed drivers under 22, $2,600 for unlisted drivers under 18, $1,600 for unlisted drivers under 22, $800 for learner drivers, $800 for inexperienced drivers over 24
Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
Coverage summary
- within 2 years of original registration
- Up to 21 days.
t at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day.
Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
Automatically covered
$400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for listed inexperienced drivers over 25, $1,400 for unlisted inexperienced drivers over 25, $400 for learner drivers.
Discount if you drive less than 10,000kms per year.
discount when only nominated drivers policy
Coverage summary
- within 3 years and 50,000 km of original registration
- Up to 21 days, max $100 per day.
t at fault - Optional Extra. At fault - Optional Extra. Up to 21 days, max $100 per day.
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Covered only if agreed in writing.
$1,000 for drivers under 20, $750 for drivers under 22, $500 for drivers under 25, $750 for listed inexperienced drivers over 25, $1,500 for unlisted inexperienced drivers over 25, double the basic excess for unlisted drivers.
Family discount of 10% available to people under 25 if a parent holds a current comprehensive car policy
Seniors discount of 5%
$50 discount if you have CTP with GIO in NSW
Coverage summary
- within 2 years of original registration
- Up to 21 days.
t at fault - Yes. At fault - Optional Extra. Up to 14 days, max $75 per day.
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.
$400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for listed inexperienced drivers over 25, $1,400 for unlisted inexperienced drivers over 25.
Family discount of 10% available to people under 25 if a parent holds a current comprehensive car policy
Seniors discount of 5%
$50 discount if you have CTP with GIO in NSW
Coverage summary
- lifetime new car replacement if you are the first registered owner and have held the policy with the insurer since new
- Unlimited days, max $100 per day.
t at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.
Yes - $0 windscreen excess on first claim each year.
Automatically covered. Does not include aftermarket paint, turbochargers, nitrogen fuel or roll cages.
$400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for listed inexperienced drivers over 25, $1,400 for unlisted inexperienced drivers over 25.
No Claims Discount, Named Driver Discount, Low kms discount
Coverage summary
- within 3 years and 50,000 km of original registration
- Up to 21 days, max $100 per day.
t at fault - Optional Extra. At fault - Optional Extra. Up to 21 days, max $100 per day.
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Covered only if agreed in writing.
$1,000 for drivers under 20, $750 for drivers under 21, $500 for drivers under 24, $750 for listed inexperienced drivers over 24, $1,500 for unlisted inexperienced drivers over 24, double the basic excess for unlisted drivers.
Fixed Kilometre Plan with pricing tiers available for limited kms.
Coverage summary
- within 2 years of original registration
- Up to 14 days, max $70 per day.
Not at fault - Optional Extra. At fault - Optional Extra. Up to 10 days, max $70 per day.
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Most modifications covered automatically
$1,200 for listed drivers under 21, $800 for listed drivers under 24, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers under 24, $800 for inexperienced drivers over 24, $800 for learner drivers.
Discount of 5% with NSW CTP Greenslip; Loyalty discount increases with amount of policies held.
Get a 10% discount if your car is recognised by NRMA as fuel efficient. Get 5% off for a year when you hold the policy for 3-4 years, 7.5% for 5-9 years, 10% for 10-24 years and 12.5% when you hold it for more than 25 years.
Coverage summary
- within 2 years of original registration
- Up to 21 days, max $75 per day.
t at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.
Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
Automatically covered
$300-$400 for listed drivers under 35, $1,200-$1,600 for unlisted drivers under 25, $300-$400 for inexperienced drivers over 25.
Discount of 5% with NSW CTP Greenslip; Loyalty discount increases with amount of policies held.
Get a 10% discount if your car is recognised by NRMA as fuel efficient. Get 5% off for a year when you hold the policy for 3-4 years, 7.5% for 5-9 years, 10% for 10-24 years and 12.5% when you hold it for more than 25 years.
Coverage summary
- within 2 years of original registration
- Unlimited days, max $100 per day.
t at fault - Yes. At fault - Yes. Unlimited days, max $100 per day.
Yes - $0 windscreen excess.
Automatically covered.
$300-$400 for listed drivers under 35, $1,200-$1,600 for unlisted drivers under 25, $300-$400 for inexperienced drivers over 25.
- within 2 years and 40,000 km of original registration
- Up to 14 days, max $1,000
t at fault - Yes. At fault - Optional Extra. Up to 14 days.
Yes - standard excess. Option to reduce windscreen excess to $40 for an additional premium.
Covered only if agreed in writing.
$600 for drivers under 21, $500 for drivers under 25, $600 for unlisted drivers, $500 for inexperienced drivers over 25.
Service features
Optional Extra
Receive 20,000 Qantas Points when you apply by 20 December 2019. Earn 1 point per dollar spent on premiums. Earn up to 6,000 points by using the Qantas Wellbeing App.
- within 2 years and 20,000 km of original registration
- Up to 14 days, max $1,000 total.
t at fault - Optional Extra. At fault - Optional Extra. Up to 14 days.
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen excess to $0 for an additional premium.
Covered only if agreed in writing.
$1,000 for listed drivers under 21, $750 for listed drivers under 25, $1,500 for unlisted drivers under 21, $1,250 for unlisted drivers under 25, $750 for inexperienced drivers over 25, $500 for unlisted drivers over 25.
10% for 3 or more policies for over 50s working less than 20 hours pw
Coverage summary
- within 2 years of original registration
- Up to 14 days.
t at fault - Optional Extra. At fault - Optional Extra. Up to 14 days.
Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
Covered only if agreed in writing.
$750 for male drivers under 22, $650 for female drivers under 22, $400 for male drivers under 24, $300 for female drivers under 24. $1,500 unlisted drivers under 25
Pay As You Drive discount for restricting kilometres driven to an agreed range.
Coverage summary
- within 2 years of original registration
- Up to 14 days, max $70 per day.
t at fault - Optional Extra. At fault - Optional Extra. Up to 20 days, max $70 per day.
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
Covered only if agreed in writing.
$1,800 for listed drivers under 18, $800 for listed drivers under 22, $2,600 for unlisted drivers under 18, $1,600 for unlisted drivers under 22, $800 for learner drivers, $800 for inexperienced drivers over 24
10% discount if you hold home or landlord insurance as well
Fuel efficient vehicle discount
Coverage summary
- within 2 years of original registration
- Up to 21 days, max $65 per day.
t at fault - Optional Extra. At fault - Optional Extra. Up to 14 days, max $65 per day.
Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
Automatically covered.
$750 for listed drivers under 19, $650 for listed drivers under 21, $550 for listed drivers under 24, $450 for listed drivers under 25, $1,250 for unlisted drivers under 25, $300 for inexperienced drivers over 25
10% discount if you hold home or landlord insurance as well
Fuel efficient vehicle discount
Coverage summary
- within 2 years of original registration
- Unlimited days, max $95 per day.
t at fault - Yes. At fault - Yes. Unlimited days, max $95 per day.
Yes - $0 windscreen excess.
Automatically covered.
$750 for listed drivers under 19, $650 for listed drivers under 21, $550 for listed drivers under 24, $450 for listed drivers under 25, $1,250 for unlisted drivers under 25, $300 for inexperienced drivers over 25
- within 1 year and 20,000 km of original registration
- Up to 14 days, max $1,000 total.
t at fault - Yes. At fault - Optional Extra. Up to 14 days.
Yes - standard excess. Option to reduce windscreen excess to $40 for an additional premium.
Covered only if agreed in writing.
$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers over 24. Extra $200 for any claims by a male driver.
Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).
If you don’t have time to pop overseas and get some Insta-worthy travel content before school goes back for the year, then you might take the Australia Day long weekend as an opportunity to pimp your profile out with some aesthetically-pleasing road trip pics instead!
January is finally here, and we all know what that means...It’s time to face your financial fears! Yes you were probably expecting something a little more exciting, but the beginning of a new year really is a good time to review your expenses and see where you could be saving more money in the year ahead.
Owning a car doesn’t come cheap, with thousands of dollars leaving your hip pocket every year to pay for car insurance and maintenance, but Qantas is now rewarding its customers for making those purchases.
I was recently crashed into by a driver who was comprehensively insured by Coles. He admitted liability and filed a claim to have my vehicle repaired. Very unfortunately this driver died of a heart attack two weeks later. Two months later Coles...
I was recently crashed into by a driver who was comprehensively insured by Coles. He admitted liability and filed a claim to have my vehicle repaired. Very unfortunately this driver died of a heart attack two weeks later. Two months later Coles contacted me and stated the claim had been rejected because the excess had not been paid. I informed them of the reason for that. They still rejected claim.
AAMI is incapable of giving a straight answer. My son was driving our car and had a crash. I contacted AAMI and gave them all the details, including that he was extremely distressed. They opened an investigation, they interviewed him, they put...
AAMI is incapable of giving a straight answer. My son was driving our car and had a crash. I contacted AAMI and gave them all the details, including that he was extremely distressed. They opened an investigation, they interviewed him, they put him and us through a very upsetting ordeal. Eventually, they decided that all the details were EXACTLY as I had told them at the very beginning. There was no need for the huge delay or anguish they caused. Furthermore, my subsequent complaint to a more senior AAMI person has been met with a robotic response that everything was done properly and I’ve got nothing to complain about.
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Comparing comprehensive car insurance policies with Mozo
One of the best things about the car insurance market in Australia is that you’ve got plenty of choice. But with over 30 car insurance providers to choose from, having so many options can also make it hard to ensure when you get car insurance quotes and policy options you are comparing apples with apples.
First you need to be able to make in-depth comparisons between the insurance providers themselves and the car insurance policies they offer, taking into account the policy features and levels of cover to make sure that your set of wheels are covered for a range of events. Then you also need to make sure that the cover you opt for won’t break the bank. It is a complicated process.
Well, at least it used to be. Mozo’s car insurance policy snapshot table featured above provides an easy way to compare car insurance online. At a quick glance, you’ll be able to compare a range of must-have features like which discounts are on offer, whether you have the flexibility to choose your repairer, level of excess as well as how long it will take you to get a quote.
If you’re a super savvy researcher, you can dig that little bit deeper by hitting the ‘More Info’ button where you’ll find even more information about the events covered and extra services available. Once you’ve shortlisted the policies based on your needs, with some insurers you can click the ‘Go To Site’ button which will take you to the provider’s website where you can get a customised quote.
Haven’t got the time right now? That’s ok, that’s why we’ve summarised the must-knows for you in the FAQs list below.
What levels of car insurance cover are there?
Car insurance might seem confusing, especially if you’re a first time insurance customer! The first thing to understand is that there are three tiers of car insurance policies ranging from CTP also known as Compulsory Third Party to comprehensive car insurance.
Compulsory third party (CTP)
Compulsory third party (CTP) is also known as a Green Slip and is required in all states, by law, when you register your vehicle. It provides the driver cover for any legal liability for injury or death for which they’re responsible and how you go about procuring your CTP insurance differs slightly based on the state or territory you live in.
Third party property car insurance
Third party property car insurance, on the other hand, is optional and covers damage to another person’s property but not to your own car if you are involved in an at-fault accident. Third party is generally cheaper than a comprehensive policy and may be right for you if your wheels aren’t worth much. Fire and theft is a popular additional option to this level of cover and will protect your car against damage caused by fire or theft but not in the event of an on-the-road accident.
Comprehensive car insurance
These are the types of policies you’ll find compared in our product tables and provide are the highest level of car insurance. Comprehensive car insurance will cover you against accidental damage to other people’s property but also to any damage to your own set of wheels, even if the accident is your fault. More so than that, depending on the individual policy, comprehensive car insurance policies will cover you for damage to personal property within your car or rental car cover as well as a host of other features.
While a comprehensive policy is the most expensive policy option, they can still be made affordable through a range of discounts, sign on offers, and clever shopping around to make sure you’re paying for the things you want and don’t need.
What will affect the cost of my car insurance?
The cost of a comprehensive car insurance policy can change pretty significantly depending on who is asking for the quote and you might be wondering what exactly the insurer is weighing up when calculating your projected premium. Every car insurer uses a different formulae so you never can tell what it is exactly which determines the cost but some of the known factors include:
your age and gender. Younger male drivers are generally considered to be more of a risk to insure than older women.
the age and colour of the vehicle. Newer, more expensive cars cost more to cover.
where you live and whether your car is garaged.
projected mileage. Some insurers offer cheaper premiums for Aussies who don’t use their cars so often.
How heavily some of these factors weigh in the insurer’s calculations really depends on the insurance company. So with each insurer putting a different price tag on your policy, it is super important to shop around and not just go with the first quote you get! The Mozo team have conducted several car insurance mystery shops over the years and always found that there is a big difference in price between insurers.
How else can I save on my car insurance?
There are a range of discounts that are up for grabs so that you can reduce your premium. Each insurer and car insurance policy is different, but across the market you could see the following discounts being offered.
Multi-policy discount
Some providers don’t just cover your vehicle needs but also operate in home insurance or life insurance and will reward you with discounts depending on the amount of policies you take out with them.
Online discount
Insurers are moving online nowadays, and therefore some policies will be slashed if you take them out online rather than in person at a branch.
Restricted driver discount
If you can guarantee that there won’t be many drivers or restrict the age of the drivers listed on your policy, you could also be up for a discount on your premium.
Family discount
If your parents have a car insurance policy with the same provider, you may be able to nab a discount on your own policy which is handy if you’re a first time car insurance customer. You might even be able to get a no-claims discount if you have been listed on your parent’s insurance policy and not made a claim.
Loyalty discount
If you’ve held the same policy for a number of years, some car insurance providers will offer you a discount when it comes to renewal time and if they don’t, you should ask for one!
Fuel efficient discount
An increasingly popular discount in the car insurance market is to reward customers who choose an eco-friendly vehicle. If your car is fuel efficient or a green electric car, look out for policies that will slash your premium thanks to your environmentally-conscious ways.
When you take out car insurance for your car, motorbike or 4WD, your insurer will base the cost of the insurance on the state in which the car is registered, as well as your permanent address. If you drive interstate for a holiday or short-term period, your car insurance will be valid if you are in an accident. It is a good idea if you are planning on spending a lot of time away from your registered address that you first check with your insurer to find out if they have any limits on the number of days you can be out of the state and still be covered.
Most car insurance companies operate Australia-wide, but if you are looking to compare car insurance policies for providers in your state, Mozo has listed the providers that are available, including:
The ‘excess’ is the amount of money you’ll have to pay your insurer upfront if you make a claim. Most car insurers offer you the option to choose your own excess level or give you a certain degree of leeway, at least. If you choose a really high excess, your premium will be cheaper but you’ll also need to pay a higher amount to access your coverage.
There are some basic excesses you might be required to pay including:
Age excess: This could be imposed if the driver making the claim is under the age of 25 and may be even pricier if the driver is under the age of 21. Young driver excesses can range between $400 to $2000.
Unlisted driver excess: If you want to make a claim and the driver that was involved in an accident is not listed on the policy, it is likely that you will be asked to stump up an unlisted driver excess. This amount could be as much as $1400!
Inexperienced driver excess: If you’re over the age of 25 but you’ve held a driver’s licence for less than two years you might still have to pay an additional inexperienced driver excess in the region of $200 to $800.
Windscreen excess: Some policies will provide windscreen or glass cover but charge a smaller excess than your regular excess for you to access that particular feature of your coverage. For instance, you might have a $750 excess if you’re involved in an accident but if you chip your windscreen you might only have to pay a $100 excess.
Want to save on your comprehensive car insurance policy? Well here is one way to do exactly that! A ‘no claims bonus’ is a discount that is applied to car insurance policyholders who have a clean track record and haven’t made any claims against their car insurance. In Australia there are different tiers of discount that apply depending on how long you’ve kept a claims-free history, but this amount can reach as high as 70% of your premium with some providers. The good news is that the no claims period that you’ve built up with one insurer, in most cases, can be transferred to another but keep in mind you might not be offered the same rate of discount.
When comparing comprehensive car insurance online, you’re bound to come across the terms “market value” and “agreed value”. While we have a dedicated guide to help you understand the difference, they can be summed up simply by saying that market value is the amount your car would fetch on the open market while agreed value is a predetermined amount that you agree to insure your car for with your insurer.
These figures become important in the case you want to make a claim or your car is written off in an accident or insured event.
If you car is deemed a write-off, your comprehensive car insurance policy will step in and either pay out your sum insured amount or pay for the purchase of a new car, minus your excess amount.
A car is considered to be a write off when the costs to repair the damage outweighs the value of the vehicle and this will be determined by your insurer’s assessors.
If you’ve recently kitted your car out with a sweet stereo system or aftermarket sunroof, you have the choice of insuring your car for these additions or not. If you don’t upgrade your comprehensive insurance and you find yourself in an accident then your car insurer may deny your claim if the modification wasn’t listed on your policy.
And don’t think that all modifications will result in an increase insurance premium. Some modifications like an alarm system, could result in a premium saving.
It is also worth checking with your insurer prior to making modifications to make sure that it won’t void your car insurance. The last thing you want is to get your car detailed and find out that the insurer has a policy against insuring cars with a matt black paint job.
Car insurance policies are a little like snowflakes, no one policy is the same as the next. Some may come with features as standard, while others will require you to opt in. Generally speaking the more feature-rich your policy is the more expensive it will be but some of the standard features to consider include:
Windscreen cover: Windscreen cover is sometimes an additional extra that you’re required to ask for when taking out your policy. This will cover any damage to your windscreen or any glass on your vehicle but bear in mind, you might have to pay an excess to use this feature of your policy.
Choice of repairer: A neat feature, being able to choose your own repairer is available on some high-end comprehensive car insurance policies. This is a great option if you have a trusted mechanic or panel beater in mind and want your set of wheels being fixed by them and them alone.
Rental cover: If your vehicle is facing a stint on the sidelines, how will you get about? This is where rental cover kicks in. Some providers won’t include it as standard at all, while others might only cover the costs of your rental if your car is stolen and not damaged or vice versa.
Personal property: It isn’t just your car that you hold most dear, but also some of the property within it. Personal property cover kicks in if your car is raided or you’re in an accident and your designer sunglasses are damaged. Each policy will have a different cap, so keep that in mind if you often leave valuables in your car.
Roadside assistance: Roadside assistance is the helping hand that comes to the rescue when you’re broken down. Most insurers won’t offer this as standard, but some do. If you like the added security of knowing your immediate mechanical solutions will be met, keep an eye out for this additional extra.
Most car insurance policy quotes are worked on an annual basis. And while you will have the option to pay your insurance policy in full at the time of signing up for cover, the insurer might offer the option to pay for the cost in monthly instalments. With some insurers, this feature is offered at no extra cost, while others will include a slight premium to give you the flexibility to pay it on a monthly basis.
If you do opt for the monthly feature, it is a good idea to sign up for a direct debit as this means that you don’t always have to remember your repayment date, and you can rest easy knowing that your car will be covered. There's be nothing worse than going to make a claim only to find out that you’ve missed a payment and voided your insurance!
We hope that this is just useful background info, but it’s important you know what to do after you’ve been in an accident and how to go about making a claim.
You’re going to need to have a few things on hand so that the claims process runs as smoothly as possible. First of all, you’ll have to know the details of the accident including:
the date and time
location of accident or incident
other driver’s details (including the phone number and licence details)
any witness statements / other road-users involved.
any photo evidence
police report (if applicable)
When it comes time to lodge your claim, the great thing is that the majority of insurers are riding the digital wave and will allow you to lodge, and keep track, of your claim online. But if you prefer to keep it old-school you can just as easily call your car insurance provider up. Some are available via phone 24/7 so that you can make a claim whenever you want.
When you make a claim on your insurance, you’ll have to pay your insurance excess upfront before any repair work begins on your car. Some other expenses to be aware of after a claim could include an increase in premium the following year, or if it was an at fault accident a possible hit to your hard-earned no claims bonus.
The simple answer is yes, you can have a learner driver listed on your car insurance policy.
Now depending on what insurer you’re with, your child may or may not already be automatically covered. Of course if they’re not, you will have to make sure you update your policy either online or over the phone to include them.
If you’re not sure whether your policy covers learner drivers, the safest thing to do is check. You can either give your insurance provider a quick call or read through the Product Disclosure Statement that comes with your insurance.
It should also be noted that if you update your car insurance policy, you may have to pay another excess, this could be a learner driver excess, a young driver excess, an inexperienced driver excess or an undeclared driver excess.
One more thing to be mindful of, is that if your child has their own car, it might be a good idea to get it insured in their name sooner rather than later. That way they can start building up a no-claims bonus. For full details, check out our full guide on learner drivers insurance.
You won’t necessarily have to take out your own car insurance policy once you get your provisional licence or Ps unless you are purchasing your own car that is registered in your own name. If you’re under 25 you can usually stay on your parent’s insurance policy if you are driving a family car.
Young driver car insurance will probably be more expensive. This is because car insurers typically take into account how much driving experience you have when determining the cost of your premium. Insurers will take into account that, statistically, younger drivers are more likely to have accidents than older drivers.
One good thing about opting for your own car insurance policy, rather than just being included on your parent’s, is that you’ll be able to start building up your no claims bonus policy discount. This is a discount you’ll be entitled to, if you don’t make any claims throughout the year.
Of course you could just as easily lose it, if you or another driver cause an accident or if you are both equally to blame.
