Australia’s best car insurance in 2022

Finding the best car insurance policy for your needs, at the right price, can be a tricky task. If you’re not a car insurance expert, even finding somewhere to start your research journey can be a challenge.

Each year, the Mozo experts assess the car insurance policies offering the best value and best quality for Australian drivers. For the Mozo Experts Choice Car Insurance Awards,^ which were announced in September 2021, we analysed 69 policies from 57 insurance providers to uncover the very best.

"With the use of motor vehicles changing dramatically since the coronavirus pandemic began, reviewing your car insurance policy is a smart move that could save you a lot of money,” Mozo Expert Judge Peter Marshall said. 

So, if you’re looking for a new policy or thinking about switching for a better deal in 2022, read on for some of the best comprehensive car insurance policies available to Aussie drivers.

MOZO EXPERTS CHOICE CAR INSURANCE WINNERS

Budget Direct - Gold Comprehensive Car Insurance*
  • 15% buy online discount on your first annual premium
  • Your choice of repairer

For the third year in a row, Budget Direct has taken out top honours as Mozo Value Insurance Provider of the Year, this time in the value category.^ The top-value insurance company provides flexible comprehensive car insurance, with the Gold Comprehensive Car Insurance policy offering up to $500 of personal property covered, a separate $500 for covering baby capsules and another $1,000 to replace car keys and locks, plus new-for-old car replacement and the option to choose your own repairer after an insurable event. And don’t forget the feel-good bonus of a 15% discount when you buy the policy online (T&Cs apply).

Huddle - Comprehensive Car Insurance*
  • Pay-per-km policy option
  • 24/7 online claims and policy management

Huddle offers a range of great money saving features. For example, if you drive under 15,000km a year, Huddle offers up to a 30% discount on yearly premiums. In 2021, this flexible policy earned a specialised award in the Exceptional Value Senior Driver Insurance category.^ It covers $500 of personal property and up to $1,000 to replace stolen locks and keys. And if you are more than 200km from home, there's $500 to cover travel and accommodation costs after an accident, as well as reasonable towing. 

Youi - Comprehensive Car Insurance*
  • New-for-old car replacement (within 2 years and 40,000km)
  • Emergency roadside assistance included

In an emergency Youi's policy can provide up to $1,000 to cover repairs without an insurance assessment, which can alternatively be spent on accommodation and travel if you’re more than 100km away from home. Emergency roadside assistance is also included as standard. Youi offers new-for-old car replacement and policy holders can get back onto the road after a theft or not-at-fault accident with Youi’s hire car cover (for up to 14 days).  In 2021, Youi took home the award for Exceptional Value Senior Driver Insurance.^

Virgin Money - Price Saver Comprehensive*
  • Up to 15% no claims discount
  • Automatic hire car cover after theft or not-at-fault accident

This policy will sort you out in an emergency, with up to $200 per-day in travel and accommodation costs covered after an accident (maximum $1,000 in total), plus $500 for emergency repairs to get you driving again in the short-term. There's also hire car cover for 14 days to a maximum cost of  $1,000 after a theft or not-at-fault accident (it's only an optional extra after at-fault accidents). 

You can score a 15% discount on your first yearly premium if you apply online, and if you keep a clean claims record, you can build up a no claims discount as high as 15%. In 2021, Virgin Money took home the award for Exceptional Value Young Driver 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.

^See information about the Mozo Experts Choice Car Insurance Awards