Australia’s best car insurance in 2025
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 knowing where to start your research journey can be a challenge.
Each year, the Mozo experts assess car insurance policies and look for the best value and best quality for Australian drivers.
For the 2025 Mozo Experts Choice Car Insurance Awards, we analysed 65 policies from 53 insurance providers to uncover the very best car insurance across 8 categories from July to August 2025.
“With the rising cost of living, finding ways to save is paramount and 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 2025, here are some of the best comprehensive car insurance policies available to Aussie drivers, along with our editor’s picks.
MOZO EXPERTS CHOICE CAR INSURANCE WINNERS
Budget Direct Gold Comprehensive Car Insurance*
- 15% off the first year’s premium for new policies purchased online (T&Cs apply)
- New-for-old vehicle replacement
- Low-km drivers may have their premium reduced
For seven years running, Budget Direct has taken out top honours as Australia’s Best Value Car Insurer. Budget Direct’s top-value Gold Comprehensive Car Insurance policy offers 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 don’t forget the feel-good bonus of 15% off the first year’s premium for new policies purchased online (T&Cs apply).
Youi Comprehensive Car Insurance*
- Complimentary emergency roadside assistance
- New-for-old car replacement (within 2 years and a listed driver is the first registered owner)
- $1,000 limit on emergency repairs and accommodation
If you’re looking for an insurer that seems to actually care about customers while also offering great value, Youi’s got a good track record. It racked up two 2025 Mozo People’s Choice Awards for excellent customer service and claims experience and an award for Exceptional Value in the 2025 Mozo Experts Choice Award for Car Insurance.
Youi offers emergency roadside assistance included as standard, and new-for-old car replacement. Plus, you’ll get a range of excess options, and combined $1,000 emergency cover for towing, travel, accommodation and emergency repairs for accidents that take place 100km from home.
ROLLiN’ Comprehensive Car Insurance*
- Monthly premiums available at no extra cost
- Excess-free windshield cover for first claim included
- No young driver excess
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 2025 Mozo Experts Choice Awards.
It’s definitely doing things differently with its Safe ‘n Save app, which uses telematics to track your driving and potentially reduce your premium – definitely a really cool way to save! And unlike some insurers that hit you with extra charges for monthly payments, ROLLiN' doesn’t charge you extra for that, almost like a subscription you can cancel at any time without penalty.
MOZO EDITORS CHOICE CAR INSURANCE
QBE Car Insurance*
- $75 discount on your first year’s premium when you buy online
- New-for-old replacement for up to 3 years and 60,000km
- Lifetime repair guarantee
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.
* 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