Compare car insurance Australian Capital Territory
Are you an ACT driver looking for a top value car insurance policy? You’ve pulled up at the right stop. Mozo has the low-down on ACT car insurance quotes and information. Start now!
Car insurance comparisons on Mozo - last updated 20 April 2024
Search promoted car insurance below.Advertiser disclosure. Important information on terms, conditions and sub-limits.
Gold Comprehensive Car Insurance
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.
New car if written off
Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
Rental car after theft
Yes - Up to 14 days, max $1,000 total.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.
Roadside assistance
Optional Extra
Other benefits
-
Other restrictions
-
States where offered
SA VIC TAS NSW ACT QLD WA
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.
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Lifetime repair guarantee. Save $75 when you apply online.
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Lifetime repair guarantee. Save $75 when you apply online.
New car if written off
Yes - within 3 years and 60,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
Modifications
Automatically covered.
Young driver excess imposed
$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.
Roadside assistance
No
Other benefits
-
Other restrictions
-
States where offered
SA VIC NT TAS NSW ACT QLD WA
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.
ROLLiN’ put their customers in the driver’s seat by offering great value comprehensive car insurance with no additional excess for young drivers. Zero cancellation fees, 24/7 claims support via phone and a policy paid monthly. Plus, you can list multiple cars and drivers under the one policy, as long as they fit the underwriting criteria
ROLLiN’ put their customers in the driver’s seat by offering great value comprehensive car insurance with no additional excess for young drivers. Zero cancellation fees, 24/7 claims support via phone and a policy paid monthly. Plus, you can list multiple cars and drivers under the one policy, as long as they fit the underwriting criteria
New car if written off
Yes - within 15,000km of original registration
Rental car after theft
Yes - Up to 21 days, max $80 per day after a covered event
Rental car after accident
Yes - Up to 21 days, max $80 per day after a covered event
Windscreen cover
Yes - $0 windscreen excess
Modifications
Covered only if agreed in writing.
Young driver excess imposed
No additional excess for young drivers. $3,000 for unlisted drivers
Roadside assistance
No
Other benefits
Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
Other restrictions
-
States where offered
SA VIC NT TAS NSW ACT QLD WA
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.
Australia Post Comprehensive Car Insurance offers a broad range of coverage and includes cover for anyone who drives your vehicle. It also covers new car replacement if your recently purchased brand new car is written off within the first three years (provided it has travelled less than 60,000km). Save $75 on your first year's premium when you purchase Comprehensive Car Insurance online. T&C’s apply.
Australia Post Comprehensive Car Insurance offers a broad range of coverage and includes cover for anyone who drives your vehicle. It also covers new car replacement if your recently purchased brand new car is written off within the first three years (provided it has travelled less than 60,000km). Save $75 on your first year's premium when you purchase Comprehensive Car Insurance online. T&C’s apply.
New car if written off
Yes - within 3 years and 60,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
Modifications
Automatically covered.
Young driver excess imposed
$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.
Roadside assistance
No
Other benefits
-
Other restrictions
-
States where offered
SA VIC TAS NSW ACT QLD WA
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.
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped.
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped.
New car if written off
Yes - within 2 years and a listed driver is the first registered owner
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
Roadside assistance
Yes
Other benefits
-
Other restrictions
-
States where offered
SA VIC TAS NSW ACT QLD WA
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.
*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.
Car insurance resources
Reviews, news, tips and guides to help find the best car insurance for you.
Have you just shifted into the land-locked state of the Australian Capital Territory and are looking for a car insurance policy that suits your needs the best?
Well, you have come to the right place. Buying the perfect car insurance policy in the ACT can be quite challenging as there are a few steps to consider while buying.
What types of car insurance are available in the ACT?
There are four main types of car insurance available in the ACT. These include:
Motor Accident Injuries (MAI) Scheme. This insurance covers anyone injured in an accident not considering who was at fault. It does not cover property damage, or damage to yours or someone else’s vehicle. Compulsory Third Party Insurance was replaced by MAI on the 31st of January 2020. The premium on this is based on the class of your vehicle.
Third Party Property Damage (TPPD). As the name suggests, it covers the damages that you might have caused to other people’s property with your vehicle in an accident.
Third Party Fire & Theft (TPFT). This offers additional cover for damages caused due to fire and theft. You should consider this cover if you're unsure of the area you park your car in.
Comprehensive Car Insurance. This is the widest range of coverage with policies having provisions for different circumstances. Once you decide to make an insurance claim and pay the excess, your comprehensive insurance policy will cover the cost of the repairs or replacements your vehicle might require that are listed in your policy’s PDS.. It will also cover damage to other people’s cars or property.
Motor Accident Injuries (MAI) Scheme
The Motor Accident Injuries Scheme was introduced in February 2020, where everyone who is injured in a motor vehicle accident is entitled to receive treatment and even loss of income benefits for up to five years. This scheme provides more comprehensive support than the previous one.
This is a compulsory car insurance policy which is required for everyone who owns a motor vehicle in the Australian Capital Territory. The scheme replaced ACT’s Compulsory Third Party (CTP) Insurance, which exists in different versions across the country.
What does the MAI scheme cover?
Treatment for all the people injured in a motor vehicle accident
Comprehensive support for anyone who needs it the most
Coverage for all road users
Transparent benefits for a quick recovery
How do I make a comprehensive car insurance claim in the ACT?
Making a car insurance claim when you have been in an accident seems daunting. But here are a few easy steps that you can follow:
Safety: Make sure that you and everyone involved are safe and no one needs to be taken to the hospital.
Document all information: Make sure you keep a record of all the important documents, personal details of everyone involved and your vehicle.
Check PDS: Make sure you know what you can claim for. It always helps if you have read your policy’s PDS beforehand.
Make a claim: There are different processes that insurers follow.
Contact your insurer and find out how much the repair is going to cost and if you will have to pay any excesses. They will also tell you if you need any documents to support your claim (like police reports or photos, for example).
What features should ACT drivers look for in car insurance?
Car insurance providers come up with a lot of variations to their policies trying to cater to a wide audience. Check and see which ones would you like to consider from the following list:
Variety of coverage options: As is already known, you require a Motor Accident Injuries scheme in your pocket as a mandatory policy in the Australian Capital Territory. But other than that, it is also a good idea to consider damage to your vehicle or third-party property.
Reasonable limits and excesses: It is best to read the Public Disclosure Statement (PDS) thoroughly to know whether your policy has any excesses or limits as policies may differ slightly from provider to provider.
Good customer service & efficient claims process: Are you confused between a couple of insurance providers and want to know which are the consumer favourites? 2023 Mozo People’s Choice Awards car insurance tells you what the people’s choice is.
Competitive pricing & good discounts: There’s always a range of providers to choose from and so it is best to get quotes from a few. Also, don’t forget to check for discounts.
Clear & understandable policy terms & conditions: All the information that you will ever need about your policy is explained in detail in the Public Disclosure Statement (PDS). Be sure to read it thoroughly to understand any terms or conditions.
What extras should I have when driving in ACT?
Be careful when you choose an insurance policy as not every event will be included in your cover. However, you can add extras considering your driving habits. Some optional extras include:
If you go on a lot of road trips, it’s best to consider excess-free windscreen cover.
Rentals after accidents may be offered on some policies when there has been a theft, but might not be considered in case of an at-fault or not-at-fault collision without an optional extra fee.
Modifications for cars with extra bling or power under the hood.
24-hour roadside assistance.
How much does ACT car insurance cost?
Insurance premiums can be difficult to make sense of because it’s dependent on so many factors. Other than the type of car insurance policy you choose, your data can play a huge role in deciding your premium.
The factors that determine your premium are:
Location: Drivers in the city may have to pay more than the drivers in the countryside. Rates can also vary widely between different states and cities.
Age: Young drivers often pay more as compared to older drivers because of the considered risk.
Driving history: Your driving history and patterns also affect your premium. If there have been accidents or violations that can raise premiums.
Vehicle type: Expensive, sporty, or high-theft risk cars typically cost more to insure.
Coverage and excess: More comprehensive coverage and lower excesses will increase your premium.
Our experts analysed over 10,000 car insurance quotes to find the best value for the widest range of customers.
However, not all customers are looking for the same thing when it comes to car insurance, so it's important to bear this in mind when comparing car insurance policies in the Australian Capital Territory.
As a finance journalist, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. She was Mozo’s resident car insurance enthusiast until Februrary 2022, and has (ASIC RG146 Tier 2) certification to provide general insurance advice. She edited content for the Mozo Experts Choice Awards, and was also the co-host of Mozo’s podcast, The Finance Burrito.
In the Australian Capital Territory, a driver is required to have a Motor Accident Injury (MAI) insurance. It’s the same as Compulsory Third Party Insurance (CTP) and was replaced by MAI on the 31st of January 2020.
Other than the home address in Australian Capital Territory, you will need to know your vehicle’s model, age, market value, any previous claims and driving history as well.
According to the 2018 AAMI Crash Index, the most common claims in the Australian Capital Territory (ACT) were a single-car accident during the 2017-18 financial year, accounting for 24.97 per cent.
While setting car insurance premiums, some insurers consider the annual estimated claims cost and add their own costs to administer the policies. The other factors that might be at play for your insurance premiums include your age, driving history, etc.
Other than your age and the place you park your car, the vehicle you drive also is a factor when calculating your insurance premium. The make, weight, repair costs, availability of machine replacements contribute to your car insurance’s premium. We’ve broken down a few here:
Originally paid $530 for my first policy. Incredible!! AFter making a claim my 2nd year was over $1000. Not sure if the hike was because of the claim and or just general price increase. Still, $1000 is pretty good. My claim was smooth. Will stay with QBE.
Originally paid $530 for my first policy. Incredible!! AFter making a claim my 2nd year was over $1000. Not sure if the hike was because of the claim and or just general price increase. Still, $1000 is pretty good. My claim was smooth. Will stay with QBE.
I was stuck on GIO for years but when I compared Budget Direct, I haven't saved a thousand of dollars but $60 savings will do under the current hardships me n my family r having, evey dollar counts atm
I was stuck on GIO for years but when I compared Budget Direct, I haven't saved a thousand of dollars but $60 savings will do under the current hardships me n my family r having, evey dollar counts atm
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
Important information on terms, conditions and sub-limits
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.
