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 - rates updated daily

Search promoted car insurance below. Advertiser disclosure. Important information on terms, conditions and sub-limits.
  • 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
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    Optional Extra
    Choice of excess
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    $500 - $1,850
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
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    Details
  • Comprehensive Car Insurance

    Stella have created a more intuitive experience and offer a product that’s been designed with women in mind; offering premium benefits, and optional extras and rewards for being a safe driver. Stella are back by QBE. Get a quick quote online in 40 seconds and insured in 4 minutes. Purchase a new comprehensive car insurance policy from Stella by 30th June 2022 and receive a $100 EGift Card*. T&Cs apply.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $800 - $2,000
    Agreed or market value
    Car coin icon
    Agreed

    Available discounts

    • No Claim Discount
    Go to site
    Details
  • Comprehensive Car Insurance

    Huddle Car Insurance, Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $500 - $5,000
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
    Go to site
    Details
  • Comprehensive Car Insurance

    Enjoy flexible car insurance with ahm. Whether you’re driving thousands of kms, or just a few, ahm has cover that could suit your needs. Set up a policy in just minutes. Enjoy adjustable excess options to suit different budgets. Get 24/7 emergency help when you need it. Sign up by 30 June 2022 and receive free roadside assistance* for 12 months. T&Cs apply.

    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $500 - $5,000
    Agreed or market value
    Car coin icon

    Available discounts

    • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
    Go to site
    Details
  • Comprehensive Car Insurance

    Easier, better, smarter car insurance. Say g’day to ROLLiN'. They've taken the complicated out of car insurance and created a new route that's simple, u-turn free and keeps you in the driver’s seat. No cancellation fees, 24/7 online claims service and a policy that’s pay monthly. Buy now and boost your single car value under your policy by 15%. Excesses Apply.

    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

    Available discounts

      Go to site
      Details

    * 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

    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.