The best car insurance in Australia for 2019


Update: If you're after a current assessment of car insurance prices and trends in Australia, check out our article on the best car insurance in Australia for 2020.

Every time you get behind the wheel of a car, you take your life and the lives of others into your hands. And while you’ll hopefully never need to make a claim, if you drive a car, then you need car insurance.

When it comes to insurance, it’s always better to be safe than sorry. But, that doesn’t mean it should cost you a fortune! There are tonnes of high-quality, affordable car insurance policies out there. In fact, we’ve just announced the winners of the 2019 Mozo Experts Choice Awards for Car Insurance.

Our Mozo Experts understand the importance of having the right car insurance policy to suit your specific needs; and so, they were incredibly meticulous when conducting their analysis, to ensure that the winning policies offered only the very best quality and value. So, allow us to introduce you to the best car insurance policies in Australia for 2019!

Standout Car Insurance Winners

To kick off your search for the perfect car insurance policy for you, we’re shining a spotlight on two of our Mozo Experts Choice Car Insurance Award-winners for 2019…

Budget Direct Comprehensive Car Insurance
Budget Direct
  • 15% online discount

  • Your choice of repairer (optional extra)

  • Choose to insure your car at agreed or market value

If you’re after a solid comprehensive car insurance policy that’s packed with value, then look no further than Budget Direct! Taking home the Mozo Experts Choice Award for Exceptional Value Car Insurance, Budget Direct Car Insurance offers tonnes of flexible features, like the ability to choose your excess and the option to insure your car at an agreed or market value. And if you apply online, you’ll even score a 15% discount!

Winning awards in all three Exceptional Value categories and crowned Insurer of the Year for Car, Home and Landlord insurance for 2019, is none other than Budget Direct! After assessing tens of thousands of quotes, our Mozo expert judges identified Budget Direct’s policies to offer consistently low prices while maintaining solid cover limits. 

“If you’re an Australian looking for a solid car insurance policy without having to break the bank, then you’ll find that Budget Direct offers some of the cheapest quotes around plus tonnes of value,” said Mozo banking expert Peter Marshall.

Real Insurance Pay As You Drive Car Insurance
Real Insurance
  • 5% discount when you apply online

  • 5% discount for people over the age of 25

  • Comprehensive cover at a reduced rate for those who don’t drive a lot. Only pay for what you plan to use, and you can top up if required.

Another standout winner from our 2019 Mozo Experts Choice Car Insurance Awards was none other than Real Insurance.

Taking home an Exceptional Value Car Insurance award, Real Insurance Pay As You Drive Car Insurance offers the peace of mind of a fully comprehensive policy while only having to pay for the kilometres you plan to drive. This could be a great option to consider if you don’t drive much. 

This policy also comes with a few discounts, including 5% off when you apply online plus an additional 5% discount for customers over the age of 25.

^See information about the Mozo Experts Choice Car insurance Awards

The 2019 Mozo Experts Choice Awards for Car Insurance winners were broken down into two awards categories: Exceptional Value Car Insurance and Exceptional Quality Car Insurance. Take a look at some of the other winners in each category.

Exceptional Value Car Insurance award-winners

To pick the winners of the Exceptional Value Car Insurance category, our Mozo expert judging panel ran a thorough cost assessment on more than 10,000 unique car insurance quotes, matching each against the minimum levels of cover. 

Through their assessment, our Mozo experts discovered were able to determine which providers consistently offered lower premiums than their competitors on a similar product. Check out the winners:

Exceptional Quality Car Insurance award-winners:

To find the winners of the Exceptional Quality Car Insurance awards category, our Mozo expert judges compared 61 different car insurance policies until they were left with only those offering the most generous range of cover.

The assessment criteria for this particular award considered a broad range of factors, such as the covered events and what you’d pay for each one. Other things their assessment criteria took into account were the options available for when your car is totalled, hire cars during repairs, choice of excess, plus more. Meet the winners:

  • • GIO - Platinum Car Insurance

  • • NRMA - Comprehensive Plus Car Insurance

  • • RAA - Comprehensive Car Insurance

  • • RAC - Comprehensive Car Insurance

  • • RACV - Complete Care Car Insurance

  • • SGIC - Comprehensive Plus Car Insurance

  • • SGIO - Comprehensive Plus Car Insurance

  • • Suncorp - Comprehensive Advantages Car Insurance

"There are so many car insurance companies around, and they all offer different levels of cover, so it can be tough finding which policies you might want to check prices on,” said Marshall. 

“No matter whether you're after a cheap policy that has all the basics you need from insurance covered, or are prepared to pay a bit more for all the bells and whistles, Mozo's Experts Choice Awards make it easy to start finding a policy that's right for you."

Go check out the full Mozo Experts Choice Awards for Car Insurance 2019 winner list!