Australia’s best car insurance in 2021


23 Sep 2021

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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 2021 Mozo Experts Choice Car Insurance Awards,^ 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, read on for some of the best comprehensive car insurance policies available to Aussie drivers in 2021.


Budget Direct Gold Comprehensive Car Insurance*
Budget Direct
  • 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 on of Mozo's Insurer of the Year, this time in the value category.^ The top-value insurer 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 the option to choose your own repairer after an insurable event. 

If you get into a scrape and your wheels are written off, Budget Direct will replace your car with a new comparable ride (as long as it was less than two years old and had driven under 40,000km). And don’t forget the feel-good bonus of a 15% discount when you buy the policy online.

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. And if your car is written-off Huddle will replace it with a brand new one (if the car is under two years old and you're the original registered owner). 

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.

You 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). And if your vehicle is written off, Youi will replace it for a car of comparable value so long as your original ride was under two years old and had less than 40,000km on the odometer. In 2021, Youi took home the award for Exceptional Value Senior Driver Insurance.^

Virgin Money Price Saver Comprehensive*
Virgin Money
  • 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 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