What are the best car insurance policies for these 5 iconic movie characters?

Hands hold up a movie set clapperboard, in front of a green hill beside a road. An orange lens flare obscures half the image.

We love it when our favourite movie stars floor it in epic high-speed chases. The last thing we’d want is reality to get in the way of all that jaw-dropping action. And absolutely nobody is wondering what kind of car insurance those heroes would need. Nu-uh. Nobody. Not us. 

(Vroom-vroom).

RELATED: Why these famous movie characters would get their travel insurance claims denied

Thelma & Louise (1991): Comprehensive car insurance

A still of Thelma and Louise in their car.
Courtesy of Sony Pictures.

If you’re roaming the wild, wild country in an attempt to escape the suffocating confines of patriarchy, comprehensive car insurance could be the right cover for you. 

In Australia, most states require you to have a minimum level of cover, usually Compulsory Third Party Insurance (CTP). This ensures you have liability cover in case you cause accidental injury or death. However, the rules can vary in different states and territories, so be sure to get across what best applies to your situation and needs.

For adventuresome road trips like in Thelma & Louise, comprehensive car insurance guarantees you the highest level of protection. This includes for prangs or damage (even to your own car), theft, and additional ‘opt-in’ covers, like expensive modifications or emergencies (towing, travel, and accommodation).

With comprehensive cover, Thelma and her ride-or-die Louise could happily drive into the sunset. (Just not off a cliff).

RELATED: 7 things NOT covered by comprehensive car insurance

Fast & Furious Saga (2001 - 2021): Travel insurance

Fast and the Furious promotional still.
Courtesy of Universal Pictures.

High-octane races, “Family”, and gravity-defying stunts: that’s pretty much all you want from a Fast & Furious film. But what the characters might need is a good level of travel insurance – which astonishingly, could help them pay for all those car trips abroad.

RELATED: Renting a holiday car? Make sure you consider all the costs

In a nutshell, most travel insurance providers will include in their comprehensive policies (both domestic and international) coverage for rental car excess, or the excess for any additional premiums. They can also offer liability protection in case you accidentally ram that rental car into a national monument (not that you would, even if you were part of a Family That Does Heists. Ahem).

While they’re at it, the crew should probably also get International Driver’s Permits so they can legally drive overseas.

Priscilla, Queen of the Desert (1994): Business car insurance

Priscilla, Queen of the Desert, speeds across the Australian Outback.
Courtesy of Metro Goldwyn Mayer and Roadshow Entertainment.

As our favourite drag queens sightsee colourful locations and characters through the Outback, they might consider taking out business car insurance for Priscilla, their titular chrome bus.

RELATED: Top ten Aussie towns to visit on your next road trip

Business car insurance provides cover for any vehicle you use for both personal and business purposes (as opposed to commercial car insurance, which is for vehicles like deliver vans that are solely used for work). 

This type of protection comes with the understanding that since you use the vehicle for work, it may be on the road more often and therefore need more frequent repairs. (Which unfortunately can drive up premiums, but it’s still a worthy investment).

Since Priscilla is basically a tour bus and a large part of Mitzi del Bra’s income, when taking out a standard car insurance policy, she could list the purpose as “business” to get the right level of cover (so long as it says she can in the production disclosure statement first).

Either way, in lieu of the Sydney Mardis Gras, it’s definitely worth a rewatch of this iconic Aussie road comedy.

Driving Miss Daisy (1989): Rideshare and senior car insurance

A still of Morgan Freeman from Driving Miss Daisy.
Courtesy of Warner Bros.

This movie may not have aged as well as Morgan Freeman, but we can definitely take out a few insurance cover ops for Driving Miss Daisy.

Firstly: rideshare insurance. Though he’s technically a chauffeur, we just couldn’t resist discussing this new commodity for the modern gig economy. Basically, rideshare cover is an optional extra in a comprehensive car insurance policy, offering liability protection to those who drive others for a living. If you don’t see it in your policy’s PDS, your provider likely doesn’t cover it.

Because Morgan Freeman’s age affects his risk profile, it would be wise for him to consider adding this extra to a senior citizen car insurance policy. These specialist policies are only offered to people over a certain age (usually 50 or 60) and have custom features or discounts based on driving/insurance claims history. 

This way, reliable drivers with a bit of grey distinction can still get coverage at an affordable price.

Twister (1996): Wild weather car insurance

The Twister movie poster.
Courtesy of Warner Bros.

Recent wet weather events have driven home this concept for many Australians (and tornadoes are more common Down Under than you think). But even if you’re not a professional storm-chaser in 1990s Oklahoma, flood and storm car cover is an absolute must.

Most comprehensive car insurance policies should automatically protect you in the event of flood, hail, and storm damage, but you’ll need to check this beforehand by having a good ol’ read of the PDS. It’s all about opting in, especially if you live in a big weather prone area.

However, it should go without saying that unless you're a storm-chaser like Dr. and Dr. Harding, you should always avoid intentionally driving through extreme weather. Safety first. Insurance providers won’t likely give you a payout for driving into flood water, as opposed to flood water driving into you.

In addition, the self-made modifications in the Hardings’ storm-chaser van might complicate things with insurance. If the enhancements are legal, it won’t affect their “risk profile”, but if they’re not legal or compromise the safety of the vehicle, the mods likely won’t be covered – or they'll come at a hefty premium.

Curious about some of the best car insurance? Check out the Mozo Expert Choice Awards to see what revved up excitement for Mozo’s research team. You can also browse options below.

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Last updated 14 July 2024Advertiser disclosure
Important information on terms, conditions and sub-limits.
  • Comprehensive Car Insurance

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $400 - $2,500
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Comprehensive Car Insurance

      Monthly premiums
      Calendar icon
      Yes
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $800 Flat Excess Fee
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

        Details
      • Gold Comprehensive Car Insurance

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        Optional Extra
        Choice of excess
        coins icon
        $550 - $1,900 (varies By State)
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • No Claim Discount
        • Online Discount Up To 15%
        Details
      • Comprehensive Car Insurance

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        Optional Extra
        Choice of excess
        coins icon
        $500 - $2,200
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Online Discount $75
        Details
      • Seniors Car Insurance

        Monthly premiums
        Calendar icon
        No
        Choice of repairer
        tools icon
        No
        Choice of excess
        coins icon
        $500 - $2,500 (varies By State)
        Agreed or market value
        Car coin icon
        Agreed

        Available discounts

        • Price Beat Offer Available For Eligible Drivers Over 50 Years Old Switching From A Comparable Policy With The Code ‘SENIORS’. T&Cs Apply.

      * 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