Australia’s best car insurance April 2025
At first glance, comprehensive car insurance policies can often seem quite similar - providing protection for your car and others' against mishaps like accidents, theft, storms and more.
But if you'll find subtle differences that could influence your choice based on your particular needs. Like varying ranges of excess options, how they handle mods, and the optional extras available.
Of course, you should always carefully review the Product Disclosure Statement (PDS) before making a decision, but in the meantime, we've gone ahead and gathered some of the top car insurance policies in our database as a great starting point for your research.
The selections below were carefully chosen based on winners of our Mozo Expert Choice Awards, our Mozo People’s Choice Awards, plus one that our editors chose based on specific strengths (Editor’s Picks).
So without further ado, here are our top car insurance picks for 2025!
Best car insurance April 2025
- Budget Direct Gold Comprehensive Car Insurance
- QBE Comprehensive Car Insurance*
- ROLLiN’ Comprehensive Car Insurance*
- Youi comprehensive car insurance*
- Apia Comprehensive Car Insurance*
Best overall comprehensive car insurance
Important information on terms, conditions and sub-limits.
Budget Direct Gold Comprehensive Car Insurance*
- Receive 15% off car insurance when you purchase new cover initiated online (T&C's apply)
- New-for-old vehicle replacement
- Low-km drivers may have their premium reduced
- Standard excess applies to windscreen and glass issues, even for simple repairs
Taking out pole position as Australia's Best Value Car Insurer for 2024 was Budget Direct. It took home awards across all our value categories.
This policy includes useful features that can help keep you on the road, like hire car cover after a theft or not-at-fault accident. You’ll also be covered by new-for-old car replacement (when the car is under two years old or has driven less than 40,000km), up to $500 of personal property cover and up to $1,000 for replacement keys. There is an option to pay your premium monthly but this will cost extra.
Plus receive 15% off car insurance when you purchase new cover initiated online (T&C's apply).
2024 Mozo Experts Choice Award wins include: Australia's Best Value Car Insurer, Exceptional Value Car Insurance, Exceptional Value Senior Driver Car Insurance and Exceptional Value Young Driver Car Insurance.
Best car insurance for new car security
Important information on terms, conditions and sub-limits.
QBE Comprehensive Car Insurance**
- New-for-old replacement for up to 3 years and 60,000km
- $75 discount on your first year’s premium when you buy online
- Lifetime repair guarantee
- Steep excesses for young and unlisted drivers
Chosen from: Editor’s pick
QBE is a strong contender for those with brand new cars. Their new-for-old replacement, generous at around 60,000km over 3 years, is one of the best in our database. You'll also appreciate the flexibility of choosing between agreed or market value, plus the added bonus of excess-free windshield repair.
Beyond these benefits, QBE offers $30 million in liability cover, again, among the highest in our database. Of course you also get all the basics, like coverage for accidental damage, fire, and theft, protection against weather damage, essential repairs coverage up to $500, and emergency transport and accommodation coverage up to $1,000.
There’s also a senior’s discount and a $75 discount on your first year’s premium when you buy online (T&Cs apply).
In terms of excess, their $500-$2,300 standard excess offers a decent amount of flexibility, but it's not the widest range on the market. And watch out for their young driver and unlisted driver excess which are notably steep.
Best car insurance for young drivers
Important information on terms, conditions and sub-limits.
ROLLiN’ Comprehensive Car Insurance**
- 2024 Mozo Experts Choice Award winner
- Monthly premiums available at no extra cost
- Excess-free windshield cover for first claim included
- No young driver excess
- $3,000 unlisted drivers excess
- No option for choice of repairer
Chosen from: 2024 Mozo Experts Choice Awards (multiple award winner)
ROLLiN' can be a pretty solid fit for tech-savvy young drivers who want to keep costs down - having won Exceptional Value Young Driver Insurance in the 2024 Mozo Experts Choice Awards.
They're definitely doing things differently with their Safe ‘n Save app, which uses telematics to track your driving and potentially reduce your premium - a really cool way to save! And unlike some insurers that hit you with extra charges for monthly payments, ROLLiN' lets you pay that way at no extra cost, almost like a subscription you can cancel.
And while it offers the expected range of basic features every driver needs (protection from theft, accidents and weather) a few stand out, like the generous 21-day hire car coverage after an incident and the excess-free windshield cover for repairs or replacements (once per year) at no additional cost.
Their excess setup keeps things simple, though it's not as flexible as others. The standard excess is a flat $800, which offers a balanced excess/premium tradeoff. And there's no additional young driver excess as long as that driver is listed on the policy. Just be careful letting unlisted drivers of any age take the wheel, and excess for damages they cause is a very high $3,000.
Best car insurance for customer experience
Important information on terms, conditions and sub-limits.
Youi comprehensive car insurance**
- Complimentary emergency roadside assistance
- New-for-old-car replacement (within 2 years & a listed driver is the first registered owner)
- $1,000 limit on emergency repairs and accommodation
- Steep $2,000 excess for unlisted drivers under 25 years old
Chosen from: 2024 Mozo People’s Choice Awards (multiple award winner)
If you're looking for an insurer that seems to actually care about customers, Youi's got a good track record. They keep racking up two 2024 Mozo People's Choice Awards for things like customer service and claims handling, so they're clearly doing something right.
And they’re the only ones we’re aware of who throw in roadside assistance at no cost. While their version of roadside assistance is a little smaller in scope than some standalone roadside assistance policies, it still offers a valuable slice of coverage that many people overlook.
Aside from that, you’ll find a set of the most important fundamental features like new-for-old car replacement, a range of excess options, and combined $1000 emergency cover for towing, travel, accommodation, and emergency repairs for accidents that take place100km from home.
Plus they offer multi-policy discounts if you take out another policy like home insurance (T&Cs apply).
Apia Comprehensive Car Insurance**
- Discounts including ‘drive less, pay less’ and 10% off when you buy your first year’s premium online (T&Cs apply)
- New-for-old car replacement (under 10 years old)
- Generous 21-day car hire after an accident
- Repairs guaranteed for life (authorised work only)
- The flexible excess range is quite narrow ($650 - $1,645)
Chosen from: 2024 Mozo People’s Choice Awards (multiple award winner)
Apia won five Mozo People’s Choice Awards in 2024 across each of the car insurance categories, including one for Outstanding Customer Satisfaction and Excellent Customer Service.
Apia offers a 10% discount on your first year’s premium when you purchase a comprehensive car insurance policy online. It also offers a discount for customers who drive less than 20,000km per year (T&Cs apply).
With Apia comprehensive car insurance you have the choice of insuring your ride for an agreed value or for the car’s market value, could be eligible for new-for-old car replacement if your vehicle (less than 10 years old) is written-off, and can rest assured that authorised repairs are guaranteed for life. There is a high $1500 excess for drivers under the age of 25.
2024 Mozo People’s Choice Award wins: Excellent Customer Service, Highly Trusted, Most Recommended, Outstanding Customer Satisfaction and Sign-Up Experience.
More Mozo Experts Choice award winners
- Australia Post
- Bingle
- Budget Direct
- NRMA
- RAC
- RACT
- Real
- Rollin
Mozo People's Choice Awards 2024 winners
For details of which awards providers won, check out the Mozo People's Choice Awards for Car Insurance page. For now, here's the full list of winners for 2024:
- ANZ Car Insurance
- APIA car insurance
- Commonwealth Bank Car Insurance
- Everyday Insurance from Woolworths
- RAA car insurance
- RAC car insurance
- RACQ car insurance
- Shannons car insurance
- Youi Car Insurance
* 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.
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 PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
Most common FAQs about car insurance
How did we choose the winners of our Mozo Experts Choice Awards?
As part of the annual Mozo Experts Choice Awards^, our expert analysts perform a detailed assessment of a range of Australian comprehensive car insurance policies, with the express aim of bringing you some of the best car insurance on the market.
When analysing a policy, the team keeps an eye out for standout products that meet the criteria for exceptional value and/or exceptional quality car insurance.
- Exceptional value awards: Insurance that’s among the best-priced for the main features it offers, based on a comparison of prices for selected customer scenarios.
- Exceptional quality awards: Insurance cover that leads the market in the generosity of additional benefits and flexibility of options - irrespective of price.
In 2024, the Mozo experts compared comprehensive car insurance quotes across 61 policies from 53 car insurers and looked at a wide range of factors to hand-select the year’s best policies.
How did we choose our People’s Choice Awards winners?
The Mozo People’s Choice Awards are based on customer reviews and recommendations. These insights can help give Aussie consumers a more informed understanding of what taking out financial products with different providers is like.
To assess car insurance companies for the 2024 Mozo People’s Choice Awards, customer reviews were collected via a nationally representative survey of over 3,500 Australians. The results reflect overall customer satisfaction with an insurance provider, the customer service experience, trust, sign-up processes, claims experiences, and whether people would recommend them to their friends.
While companies are awarded at the provider level, we’ve selected standout comprehensive car insurance policies from a few of the winners below.
How did we choose our Editor’s Picks for car insurance
Our editors have selected our Editor's Choice policies based on features that might be of interest to different types of drivers. If you want to compare these against other options, head to our car insurance comparison page to search through our complete database or read car insurance news and policyholder guides.
What’s the best car insurance excess to choose?
The ‘excess’ on a car insurance policy is the amount of money you’ll need to pay your insurance provider upfront if you make a claim before the cover kicks in. Most providers give you some leeway in choosing what that excess level is.
Choosing a high excess can reduce your premium to some extent, but you’ll need to pay a higher amount to access your coverage when you make a claim. On the flipside, a low excess means smaller claim time payments but a potentially higher premium. Basically, choosing the best excess for you involves weighing up those two scenarios and seeing how each option fits into your budget.
It’s also important to remember you might be required to pay an additional excess if the person driving your car at the time of the incident was a young or inexperienced driver, or wasn’t listed on your policy.
What’s the best car insurance for my car?
Again, this depends entirely on your personal and financial situation, as well as the kind of car you own and how you use it.
While a more basic level of cover like a third party policy or third party fire and theft insurance may suit some drivers, those looking to cover their wheels for the most extensive range of events should look to comprehensive car insurance. These broader cover policies are the options we compare in the Mozo Experts Choice Awards^.
So, if you want to learn more about the best insurance for your car when it comes to comprehensive cover, head over to the Mozo Experts Choice Car Insurance Awards page for more details on the 2023 award-winning policies.
How do I get the best car insurance quote?
When you apply for a car insurance quote, you’ll be asked a series of questions to help the provider understand who you are, what level of insurance you want, and what kind of car you drive.
These questions will allow the car insurance provider to calculate your premium (the price you pay for insurance) based on your risk profile. Different circumstances can have a huge effect on how much you pay for car insurance.
This risk profile takes into account factors like your age, where you live, your driving history (e.g. if you’ve had any recent accidents), where you park your car, what type of car your drive, the age of your car, and more.
It’s important to answer these questions honestly, as misleading your insurance company can lead to issues when making a car insurance claim down the road.