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!
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Last updated 24 November 2024Important disclosures
Important information on terms, conditions and sub-limits.
Disclaimer
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.
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Comprehensive Car Insurance
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. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
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. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
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.
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. 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. 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
$700 for listed drivers under 25, $2,000 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.
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.
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
Monthly premiums
Yes
Choice of repairer
No
Choice of excess
$800 Flat Excess Fee
Agreed or market value
Agreed
Available discounts
Get 10% Off The Base Premium For The First 2 Consecutive Monthly Policies And Up To A 15% Potential Monthly Discount From Your 3rd Month For Being A Safer Driver. Minimum Premiums May Apply. T&Cs Apply.
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
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 - one claim can be made per Insurance Period, with $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.
*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 personal finance writer at Mozo, 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. Now she is Mozo’s resident car insurance enthusiast, and is certified (ASIC RG146 Tier 2) to provide general advice in general insurance. She also creates audible finance adventures as 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:
RAA Very expensive. Look around other Canstar Coy'
My car us 1 yr older, therefore worth less than a year ago. Yet RAA increased my renewal to over $1600 for my Mitsubishi Eclipse SUV.
I have been with RAA for decades, have never made a claim and drive only around 7,000km a year. My car is 3 yrs old.
I have now gone to a 5Star Canstar company and is $700 cheaper than RAA.
My car us 1 yr older, therefore worth less than a year ago. Yet RAA increased my renewal to over $1600 for my Mitsubishi Eclipse SUV.
I have been with RAA for decades, have never made a claim and drive only around 7,000km a year. My car is 3 yrs old.
I have now gone to a 5Star Canstar company and is $700 cheaper than RAA.
WARNING: Bingle Insurance is a scam, and I wouldn't trust them to insure anything, let alone your car. Bingle Insurance is using deceitful tactics to profit at your expense. They rushed my vehicle to auction while still in the middle of my claim, pressured me into paying a $1,800 excess even though I was not at fault, and attempted to pocket more money by double-charging GT Insurance while giving me only a fraction of what I was owed. Their “New for Old” offer is a scam. They will exploit every loophole to benefit themselves—even at the cost of their clients. If you’re unlucky enough to deal with them, get a lawyer, because that's the only way you’ll survive their dishonest practices. I wouldn’t be surprised if they played dirty with you, too, and after the way I’ve been treated, I wouldn’t trust them as far as I could throw them.
WARNING: Bingle Insurance is a scam, and I wouldn't trust them to insure anything, let alone your car. Bingle Insurance is using deceitful tactics to profit at your expense. They rushed my vehicle to auction while still in the middle of my claim, pressured me into paying a $1,800 excess even though I was not at fault, and attempted to pocket more money by double-charging GT Insurance while giving me only a fraction of what I was owed. Their “New for Old” offer is a scam. They will exploit every loophole to benefit themselves—even at the cost of their clients. If you’re unlucky enough to deal with them, get a lawyer, because that's the only way you’ll survive their dishonest practices. I wouldn’t be surprised if they played dirty with you, too, and after the way I’ve been treated, I wouldn’t trust them as far as I could throw them.
RAC are credible and their “saturate” marketing technique works. In addition RAC has shown it cares about WA and safety on our roads. However their premiums are not as competitive and, in my experience and some that I know, RAC will try to wriggle out of paying out. It also is known for ripping off young drivers with high excesses without justification and they don’t care if you don’t like it. So essentially they look good in front of the cameras but in reality they are there to make profit and don’t really care.
RAC are credible and their “saturate” marketing technique works. In addition RAC has shown it cares about WA and safety on our roads. However their premiums are not as competitive and, in my experience and some that I know, RAC will try to wriggle out of paying out. It also is known for ripping off young drivers with high excesses without justification and they don’t care if you don’t like it. So essentially they look good in front of the cameras but in reality they are there to make profit and don’t really care.
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.
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Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Disclaimer
Who we are and how we get paid
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.
