car insurances

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 that’ll help you make the most informed choice in the most efficient way possible. 

Canberra may be a maze of roundabouts, but ACT motorists shouldn’t have to run around in circles when it comes to car insurance

Fact Checked

Car insurance comparisons on Mozo - last updated 18 September 2021

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
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    Optional Extra
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    $500 - $1,850
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    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
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  • Comprehensive Car Insurance

    Huddle Car Insurance, Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

    Monthly premiums
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    Yes
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    No
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    $500 - $5,000
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    Agreed Or Market

    Available discounts

    • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
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  • Comprehensive Car Insurance

    Discover more rewarding car insurance. With competitive cover for you - and your budget, plus up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility criteria apply.

    Monthly premiums
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    Yes Costs Extra
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    Optional Extra
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    $400 - $1,850 (varies By State)
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • No Claim Discount
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  • Comprehensive Car Insurance

    Stella have created a more intuitive experience and offer a product that’s been designed with women in mind. This means premium benefits, optional extras, and rewards for being a safer driver. Stella are back by QBE. Other features include a no claim reward, new car replacement, customise your policy and more. Get a quick quote online in 40 seconds and insured in 4 minutes.

    Monthly premiums
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    Yes Costs Extra
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    No
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    $800 - $2,000
    Agreed or market value
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    Agreed

    Available discounts

    • No Claim Discount
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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).

    Monthly premiums
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    Yes Costs Extra
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    Optional Extra
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    $400 - $2,200
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount $75
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  • Comprehensive Car Insurance

    Making sure your car insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save. Exceptional Value Car Insurance award winner in 2020.^

    Monthly premiums
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    Yes Costs Extra
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    Optional Extra
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    $400 - $2,500
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
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  • Comprehensive Car Insurance Policy

    Bingle keeps car insurance simple - choose between Comprehensive and Third Party Car Insurance. Comprehensive covers you for accidental loss or damage to your own car caused by insured events such as accidents, theft, storms, fire.

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    Yes Costs Extra
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    No
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    $650 - $2,200; Varies Between States
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    Market

    Available discounts

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    • Comprehensive Car Insurance

      Easier, better, smarter car insurance. Say g’day to Poncho. They've taken the complicated out of car insurance and created a new route that's simple, u-turn free and keeps you in the driver’s seat. No cancellation fees, 24/7 online claims service and a policy that works just like a monthly subscription.

      Monthly premiums
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      $800 Flat Excess Fee
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      Agreed

      Available discounts

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      • Price Saver Comprehensive

        Save 15% on your first year’s premium when you buy online with Virgin Car Insurance.

        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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        $500 - $1,850
        Agreed or market value
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        Agreed Or Market

        Available discounts

        • No Claim Discount
        • Online Discount 15% Discount On First Year’s Premium
        • Restricted Drivers Discount Available
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      • Black Comprehensive Car Insurance

        Huddle Black Comprehensive Car Insurance with extra benefits. Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

        Monthly premiums
        Calendar icon
        Yes
        Choice of repairer
        tools icon
        No
        Choice of excess
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        $500 - $5,000
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
        Compare
        Go to site
        Details
      • Comprehensive Car Insurance

        Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
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        No
        Choice of excess
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        $500 - $5,000
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Online Discount 10%
        • 10% Promotional Discount
        • 5% Discount If You Exclude Drivers Under 25
        • Drive Less Pay Less Option To Reduce Premiums For Limited Kilometres.
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      ^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.

      FAQ

      What kind of insurance do you need to legally drive in the ACT?

      From February 2020, a new form of compulsory car insurance was introduced in the Australian Capital Territory to cover costs related to injuries incurred on roads in the state. It’s called the Motor Accident Injuries Scheme (MAI) and is intended to cover lost income, medical treatment and other necessary care costs that come out of an at-fault or not-at-fault road accident.* This can be called on for up to five years after the incident.

      Motor Accidents Injury Scheme ACT car insurance

      The scheme replaced the ACT version of Compulsory Third Party (CTP) insurance, which exists in different formats around the country

      When it comes to setting premiums, MAI operates in the same way as CTP insurance, with specific insurance companies becoming licenced to provide the cover and setting their own rates for it. According to the Motor Accident Injuries commission, MAI providers are AAMI, Apia, GIO and NRMA.*

      What are the other levels of car insurance in the ACT?

      While policy details will differ between insurance providers, there are three overarching types of optional car insurance available in the ACT. 

      Types of voluntary car insurance ACT
      • Comprehensive car insurance is the top tier car insurance cover, with policies having provision for different events, items and circumstances. Once you pay the excess on an insurable claim, your comprehensive insurance policy will cover the cost of replacing or repairing your car as well as any damage you’ve caused to other people's car or property.

      • Third party property damage insurance provides basic coverage – up to a certain dollar limit – for damage to other vehicles and property when you cause an accident. A third party policy won’t cover repairs to your own car, which is the main difference between comprehensive and third party insurance.  

      • Third party fire and theft offers additional insurance on top of your standard third party policy for, you guessed it, damage and loss caused by fire and theft. Car owners who park in the street overnight or live in areas with higher crime rates might consider this.

      Which type of insurance should you choose as an ACT driver? 

      This really comes down to the type of driver you are and the kind of car you own. 

      The ACT has the youngest fleet of registered vehicles on average, according to the ABS.** If your wheels are sparkling new, you might consider choosing comprehensive cover to ensure you’re covered for their full value. Similarly, if you’ve got a snazzy ride or one with expensive modifications, it may cost a lot to repair or replace so comprehensive cover may be the best fit.

      Alternatively, you might be the proud owner of a trusty rust bucket worth less than an annual comprehensive policy premium. In this case, a third party car insurance policy may be your best bet to ensure you’re not out of pocket if you cause an accident, with fire and theft handy if you’re parking in an area with a higher crime rate.

      What is covered by ACT car insurance?

      What’s covered by car insurance will depend on the level of cover you opt for and the provider you choose. Each car insurance provider will have a slightly different range of benefits with varying limits on certain items and circumstances. If you choose a comprehensive car insurance policy, you’ll generally be covered for:

      • Damage to another driver’s car or other people’s property when you are at fault in an accident

      • Damage to your own car in an accident

      • Some additional kinds of accidental damage

      • Fire damage 

      • Theft and attempted theft of your car

      • Vandalism and malicious damages

      • Emergency repairs after an incident

      • Towing costs in an emergency

      • Damage to your personal property in your car

      • Travel, accommodation and hire car costs in certain circumstances (often dependent on distance or the type of incident your car was involved in).

      What are the car insurance optional extras available in the ACT?

      No matter where you take out an insurance policy, not every event or item will be included in your cover. However, you’ll often have the option of adding some additional features to your policy. 

      Carefully consider your car and driving habits before including extras, as each optional extra will come adding at an additional cost. Some optional extras include:

      • Excess-free windscreen cover (great if you do a lot of out-of-state road-tripping and might require semi-regular windscreen repairs)

      • Rental car after accident (many policies will include hire car cover after a theft as standard, but may not offer it after an at-fault or not-at-fault collision without an optional extra fee)

      • Modifications (this is for cars with extra bling or power under the hood) 

      • 24-hour roadside assistance 

      • No claims bonus protection (this is a veil of protection added onto your clean driving record, keeping it intact if you ever make a claim within certain timeframes). 

      How to make a claim on your car insurance in the ACT

      Being involved in any kind of accident, minor or major, is a stressful experience. Because of this, it may be difficult to recall events or details required in the car insurance claims process after the fact. So it's a good idea to jot down the following details at the scene:

      • The date, time and location of the incident

      • The road condition and sequence of events leading up to the accident

      • The other driver’s details (including phone and licence number)

      • Contact info or statements from any witnesses or other involved road-users 

      • Any photo evidence of damages

      • A police report (if applicable).

      You’ll need to have all this ready, along with your own registrations details, ID and insurance information to begin the claims process. A streamlined option is to lodge and keep track of your claim online, but most providers will offer an over-the-phone alternative, many of which are 24-hour services. 

      Don’t forget you’ll have to cover an excess to get the wheels rolling on your claim. And remember, by making a car insurance claim your future premiums could rise (as you’re considered more of an insurance risk) and your hard-earned no claims bonus will probably take a hit.

      How does car theft and accidents affect insurance costs in the ACT?

      Your car insurance cover can be impacted by the level of crime and number of road accidents where your car is registered. This is part of the risk-assessment process involved in setting your car insurance premium. Understanding the risks of driving in ACT and statistics for vehicle-related crime may help you interpret the reasoning behind these insurance company decisions.

      Types of ACT road accidents 

      According to a 2019 Suncorp study, almost 25% of insurance claims made in the Australian Capital Territory were single car accidents.^ This is higher than any other state or territory in this category and includes incidents like losing control of the wheel or running into guard rails. 

      This was followed by other at-fault and then not-at-fault collision claims, with windscreen repair and replacements coming in a close fourth. This is something to consider when looking at optional extras and any policy exclusions.

      In 2020, there were seven fatalities on ACT roads, up by one on the previous year.^^

      Motor vehicle theft in the ACT

      According to the National Motor Vehicle Theft Reduction Council there were 1,091 vehicle thefts in the ACT in the 2019-2020 calendar year, of which 80% were recovered.+ This is hovering around the same level as the 2018 data. 

      If you’re concerned about your car being stolen or damaged when it’s parked on ACT streets, consider insuring it for theft, fire and malicious damage. This is generally covered in a comprehensive car insurance policy, or might be an optional extra in some third party policies. You might also consider parking your car on your property or in a garage, as this can theoretically reduce the likelihood of theft or damage.

      External sources

      * Motor Accident Injuries Commission (Feb 2020), ‘MAI Scheme’ - accessed 18 Jan 2021

      ** Australian Bureau of Statistics (ABS) (Jan 2020), ‘Motor Vehicle Census, Australia’ - accessed 18 Jan 2021

      ^ Suncorp Network (Aug 2019), ‘At-fault accidents lead car claims’ - accessed 18 Jan 2021.

      ^^ Australian Federal Police (AFP) (Jan 2021), ‘ACT road toll: 2000 - 2021 (by calendar year)’ - accessed 18 Jan 2021

      + National Motor Vehicle Theft Reduction Council (Sep 2020), 'National context' - accessed 18 Jan 2021

      ACT car insurance FAQs

      Is car insurance more expensive in Canberra?

      No, not necessarily. While some factors make capital cities riskier places to drive and own a car, others make it cheaper. Your insurance premium is calculated using a huge range of demographic and behavioural information. If you’d like to know how living in Canberra or another postcode may impact this, get in touch with your provider.

      Are there different kinds of car insurance around Australia?

      Most car insurance companies operate Australia-wide, but some are specific to certain states and territories and focus on contributing to community initiatives and safe-driving education locally.

      If you're looking to compare car insurance policies in a different state or territory, Mozo has the details on requirements and insurance providers outside the ACT. This includes car insurance in:

      Is there special car insurance for some makes and models? 

      While you don't need a certain kind of car insurance for particular makes and models, there may be policies better suited to your kind of wheels.

      So you can understand the insurance costs associated with a few popular car brands, we've broken down the numbers for:

      How is my ACT car insurance premium calculated?

      Every driver and ever car is unique, so naturally every car insurance premium will be different. A range of factors will be used by insurance companies to calculate your quote, some of which you can control and others you’ll just have to accept as part and parcel of the insurance game. Some common factors which could influence the cost of your car insurance include:

      • Your age: The more experienced you are as a driver, the lower your premium is likely to be, as you’re considered less of a risk on the road and thus less likely to make an insurance claim. That’s why younger drivers tend to pay more for car insurance.

      • Your gender: According to Mozo research, women pay less for their car insurance than their male counterparts. Again, this is based around a statistical assessment of risk (yup, the boys are riskier drivers).

      • Where you live (and park): Your postcode could see you paying a higher or lower premium, but where you park in that suburb is just as influential. Drivers who leave their cars on their properties, especially in secure garages, will likely be offered a cheaper car insurance quote than those who rely on street parking.

      • Your car: The model, age, size, security system, and of course value of your car will impact your insurance premium.

      • Your driving history and habits: If you have a clean driving record and haven’t claimed on your insurance, you can bet you’ll be able to access cheaper insurance. This also goes for people who are more economical with their driving. Many insurance providers are offering lower rates to those who only drive a certain number of kilometers each year, or who choose sustainable vehicles.

      What is the difference between market value and agreed value?

      Two common terms you’ll come across in your car insurance research are ‘market value’ and ‘agreed value’.

      Market value is what the value of your car would be if it were sold today on the open market. Agreed value is the predetermined amount you agree to insure your car for.

      The cover you choose will depend on the quality and age of your car. For example, if you’ve just bought a new car, you may opt for agreed value as your wheels will quickly start to depreciate in value, and if you were to have an accident you’d want the cost of replacing such a big investment covered. On the other hand, market value is often cheaper and is a likely choice for a driver with an older car.

      Are there any car insurance discounts I can apply for?

      Yes – because car insurance companies are always on the lookout for quality customers. Some typical ways to snag a discount on your car insurance policy include:

      • Online applications: You could score up to 20% off your first year's premium just for applying online (this saves the insurance company time and money, so it’s a win-win)

      • Staying loyal: If you’ve stuck it out for a certain number of years with the one company, you could be rewarded with a discount.

      • No claim bonus: This is a discount most insurance companies offer and it’s often transferable when you change providers. It basically means that if you’ve maintained a clean driving history, your provider may give you a discount on your premium. This is often set to increase at certain yearly anniversaries if you keep that report card free of claims (often some not-at-fault claiming is tolerated).

      How do I qualify for a no claims bonus in the ACT?

      Each insurance company will have different requirements to qualify for a no claims bonus. The discount is generally set at an increasing percentage at specific yearly intervals if you keep your driving record clean and don’t make any insurance claims.

      Sometimes insurance providers will allow you to make a set number (usually one per policy period) of specific claims without it impacting your no claims bonus. This often includes not-at-fault claims or claims for windscreen repairs.

      What excess level should I choose?

      Excess is the amount you contribute towards the cost of any claims you make before your insurance kicks in. Setting the excess level is generally worked out in the process of signing up, and you’ll usually be able to choose between set amounts your desired figure.

      The general rule is the higher your excess, the lower the premium you’re likely to pay and vice versa. Deciding where your excess level should fall depends on how likely you think you are to make a claim and what your budget allows for.

      What happens if my car is written off in the ACT?

      If your car is deemed a write-off, comprehensive car insurance comes in handy. When you make a claim, your provider will either pay you the agreed value amount or pay for the purchase of a new car at market value, minus the excess. If you have a lesser level of car insurance which doesn’t cover your own vehicle, you’re looking at selling the scrapes for salvage or otherwise a complete loss.

      How do I pay my car insurance premium?

      This differs between providers, but you’ll generally have the option to pay your car insurance online, over the phone or in-person at a customer branch. This goes for all levels of car insurance. It’s usually an annual affair, but some companies may let you pay in monthly or even weekly instalments (this sometimes comes at an extra cost).

      Picture of Olivia Gee
      Olivia Gee
      Money writer

      As a finance journalist 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 insurance advice. She also edits content for the Mozo Experts Choice Awards, and creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.

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      RACQ Comprehensive Car Insurance
      Overall 10/10
      Reliable and competitive insurance!

      I have been with this insurance company since I got my first car and they have been so helpful throughout the years with any claims i've made and also very competitive with pricing.

      Read full review

      I have been with this insurance company since I got my first car and they have been so helpful throughout the years with any claims i've made and also very competitive with pricing.

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