From Perth to Potts Point, here’s how to save on your car insurance bill

Mozo research has revealed that where you call home can make a massive difference to how much you pay to insure your wheels, with drivers in some states paying 60% more for comprehensive car insurance than others.

Victorians are paying the most, with bills averaging $1,345. NSW and the Northern Territory aren’t far behind either, with average annual car insurance bills of $1,239 and $1,241 respectively. On the other end of the scale, Tasmanians are paying an average of just $811.

While some Aussies are happy to pay these prices for the sake of comprehensive cover for their wheels, others will be glad to hear that there are huge differences between the cheapest and most expensive policies in each state - which means for savvy drivers, there could be big savings on offer as well.

“Obviously, packing up your whole life and moving cities just to save on your car insurance isn’t realistic, but there are other ways to make sure you’re getting the best value possible when you sign on for comprehensive cover,” said Mozo Director Kirsty Lamont.

"There’s definitely savings out there for drivers who compare policies, with our data showing an average $1,000 difference between the cheapest and most expensive policy."

Ready to find the right car insurance policy for your needs and budget? Take a look at some competitive comprehensive policies in the table below.

Car Insurance Deals - November 2017

Mozo may receive payment if you click to the website of one of the products below. Mozo does not compare the entire market, but you can see more products by clicking on the ‘See more’ button under the table.
Last updated 22 July 2024Advertiser disclosure
Important information on terms, conditions and sub-limits.
  • Comprehensive Car Insurance

    Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped.

    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

      ROLLiN’ put their customers in the driver’s seat by offering great value comprehensive car insurance with no additional excess for young drivers. Zero cancellation fees, 24/7 claims support via phone and a policy paid monthly. Plus, you can list multiple cars and drivers under the one policy, as long as they fit the underwriting criteria

      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

        Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.

        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

        Australia Post Comprehensive Car Insurance offers a broad range of coverage and includes cover for anyone who drives your vehicle. It also covers new car replacement if your recently purchased brand new car is written off within the first three years (provided it has travelled less than 60,000km). Get $100 off your first year's premium when you buy Comprehensive Car Insurance online. T&Cs apply.

        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

        TrueCover is run for people, not profit. TrueCover provides comprehensive cover tailored to Australians over 50 years of age. Includes roadside assistance, ambulance cover, no maximum driver age, death/funeral benefit, new car replacement and an Australian-based contact centre. Insurance not offered in NT.

        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.

      Mozo’s top tips for choosing the best car insurance policy for you

      1. Decide what cover you need. Generally speaking, the more benefits your comprehensive policy covers, the more expensive it will be. Your job is to find a balance between getting the protection you need and the price tag you want. “There’s no point paying for the bells and whistles if you won’t use them. On the other hand, if you rely on your car to get to work, for example, you may be willing to pay a little more to be sure you’re fully covered in an emergency,” explained Lamont.

      2. Set yourself a budget. “It’s handy to sit down with your budget and decide how much money you can allot to your comprehensive car insurance. That way you can get the best cover possible without stretching your finances too thin,” said Lamont. Head over to our budget calculator to crunch the numbers on how much you can afford to spend.

      3. Check out the award-winners. Mozo recently awarded Experts Choice Awards to exceptional value and quality car insurance policies on the market today. So if you’re not sure where to start when searching for the right fight for you, either take a look at the table above, or head over to see our list of winners.

      * 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