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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Car insurance comparisons on Mozo - last updated 21 May 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.

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $550 - $1,900 (varies By State)
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • No Claim Discount
    • Online Discount Up To 15%
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  • Comprehensive Car Insurance

    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

    Monthly premiums
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    Yes
    Choice of repairer
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    No
    Choice of excess
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    $800 Flat Excess Fee
    Agreed or market value
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    Agreed

    Available discounts

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    • Comprehensive Car Insurance

      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). Get $100 off your first year's premium when you buy Comprehensive Car Insurance online. T&Cs apply.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
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      Optional Extra
      Choice of excess
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      $500 - $2,200
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • Online Discount $100
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      Details
    • 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.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
      coins icon
      $400 - $2,500
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

        Compare
        Details

      ^See information about the Mozo Experts Choice Car insurance Awards

      *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.

      How do I find the best car insurance in ACT? 

      When looking for Australia’s best car insurance, a good place to start is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the latest Mozo Experts Choice Car Insurance Awards for 2023. 

      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. 

      Picture of Olivia Gee
      Olivia Gee
      Money writer

      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.

      ACT car insurance FAQs

      What car insurance is required for ACT? 

      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. 

      What details do I need for a car insurance quote in ACT? 

      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. 

      What is the most common type of car insurance claims in ACT? 

      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. 

      Will accident statistics in ACT affect my car insurance costs? 

      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. 

      Is there special car insurance for specific makes or models? 

      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: 

      Wondering what drives up your premiums in the case of an electric car? We’ve broken it down for you. Take a look - Why insurance for electric cars is so expensive

      Car Insurance Reviews

      CBA Comprehensive Car Insurance
      Overall 2/10
      CBAI untrustworthy. Request excess when no fault .

      My vehicle was parked correctly in a parking station and someone drove into it and left his details and admitted liability. Completed CBAI claim online. Ticked box to state car was parked in parking station and hit by another car. Next question in online claim form " Who was driving your car at the time?" "Nobody. The car was parked." I provided the other driver's details online to CBAI. They sent me a claim number and their bank acct details for me to pay $1600 excess when I have just completed the online form stating someone hit my parked car , admitted liability and I provided his details. 3 emails disputing this with CBAI were ignored. I rang CBAI today and , yes, they had received my emails but, no, they weren't going to waive my excess as their policy documents stated they would, until I rang and agitated. CBAI was just trying it on. Totally untrustworthy company. Avoid.

      Read full review

      My vehicle was parked correctly in a parking station and someone drove into it and left his details and admitted liability. Completed CBAI claim online. Ticked box to state car was parked in parking station and hit by another car. Next question in online claim form " Who was driving your car at the time?" "Nobody. The car was parked." I provided the other driver's details online to CBAI. They sent me a claim number and their bank acct details for me to pay $1600 excess when I have just completed the online form stating someone hit my parked car , admitted liability and I provided his details. 3 emails disputing this with CBAI were ignored. I rang CBAI today and , yes, they had received my emails but, no, they weren't going to waive my excess as their policy documents stated they would, until I rang and agitated. CBAI was just trying it on. Totally untrustworthy company. Avoid.

      Value for money
      4/10
      Policy coverage
      2/10
      Customer service
      1/10
      Claims handling
      1/10
      Trust
      1/10
      Less
      Cameron, Queensland, reviewed 6 days ago
      GIO Comprehensive Car Insurance
      Overall 9/10
      very good provider and great support

      what can I say they have helped with all my needs for my insurance and everything else. theres barley any wait time to get hold of someone when needed very helpful people and all in good provider for me and others cons- I don't really have any complaints for my end I'm very satisfide with them all.

      Read full review

      what can I say they have helped with all my needs for my insurance and everything else. theres barley any wait time to get hold of someone when needed very helpful people and all in good provider for me and others cons- I don't really have any complaints for my end I'm very satisfide with them all.

      Value for money
      10/10
      Policy coverage
      9/10
      Customer service
      10/10
      Claims handling
      8/10
      Trust
      10/10
      Less
      Zayn, New South Wales, reviewed 6 days ago
      Bingle Car Insurance
      Overall 7/10
      Cheaper insurance

      Fairly cheap which is nice.

      Read full review

      Fairly cheap which is nice.

      Value for money
      8/10
      Customer service
      4/10
      Trust
      5/10
      Less
      Leon, New South Wales, reviewed 6 days ago

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