comprehensive car insurances

Compare comprehensive car insurance and save online

If you’re after top level cover for your car, a comprehensive car insurance policy is the way to go. This is the only type of policy that will pay out for the repair or replacement of your car in the case of an accident that was your fault. It’s also the most expensive, which is why comparing policy features and available discounts can help you to save big. To find the best and most affordable option to suit your needs, compare policy details and discounts below before you get a comprehensive car insurance quote.

Fact Checked

Comprehensive car insurance comparisons on Mozo - last updated 7 December 2021

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
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    Yes Costs Extra
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    Optional Extra
    Choice of excess
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    $500 - $1,850
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
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  • 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
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    Yes
    Choice of repairer
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    No
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    $500 - $5,000
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
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  • 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. Get free roadside assistance for a year when you purchase a new Stella Comprehensive Car Insurance policy before 28 February 2022. Enter ROADSIDE at the check out to redeem.

    Monthly premiums
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    Yes Costs Extra
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    No
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    $800 - $2,000
    Agreed or market value
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    Agreed

    Available discounts

    • No Claim Discount
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  • 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.

    Monthly premiums
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    Yes
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    No
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    $800 Flat Excess Fee
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    Agreed

    Available discounts

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    • Price Saver Comprehensive

      Save 15% on your first year’s premium when you buy online with Virgin Car Insurance.

      Monthly premiums
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      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

      • No Claim Discount
      • Online Discount 15% Discount On First Year’s Premium
      • Restricted Drivers Discount Available
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      Details
    • Comprehensive Car Insurance

      Making sure your car insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save. Exceptional Value Car Insurance award winner in 2020.^

      Monthly premiums
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      Yes Costs Extra
      Choice of repairer
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      Optional Extra
      Choice of excess
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      $400 - $2,500
      Agreed or market value
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      Agreed Or Market

      Available discounts

      • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
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      Details
    • Comprehensive Car Insurance

      Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.

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

      Available discounts

      • Online Discount 10%
      • 10% Promotional Discount
      • 5% Discount If You Exclude Drivers Under 25
      • Drive Less Pay Less Option To Reduce Premiums For Limited Kilometres.
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    • Black Comprehensive Car Insurance

      Huddle Black Comprehensive Car Insurance with extra benefits. 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
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      No
      Choice of excess
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      $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.
      Compare
      Go to site
      Details
    • Comprehensive Car Insurance

      Discover more rewarding car insurance. With competitive cover for you - and your budget, plus up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility criteria apply.

      Monthly premiums
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
      coins icon
      $400 - $1,850 (varies By State)
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • No Claim Discount
      Compare
      Go to site
      Details

    ^See information about the Mozo Experts Choice Car insurance Awards

    *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.

    Car insurance resources

    Reviews, news, tips and guides to help find the best car insurance for you.

    FAQ

    What is comprehensive car insurance? 

    Comprehensive car insurance is the highest level of motor vehicle cover drivers can take out in Australia. It’s an optional insurance you purchase on top of a Compulsory Third Party (CTP) policy, which you need to legally drive on Aussie roads.

    While CTP insurance (often known as a green slip) offers liability cover to drivers for causing injury or death, comprehensive car insurance focuses on the damage that might happen to your car or other vehicles and property.

    This often includes natural events like floods and hail, accidental damages caused by other drivers and people, and some incidents where you or someone driving your insured car is responsible. 

    This is where comprehensive car insurance differs from third party property damage cover. With third party car insurance you’re generally only covered for damage you cause to other vehicles and property, not your own. So if you want your prized ride covered, take the comprehensive route instead.  

    Most comprehensive policies offer opt-in coverage for extra items or events (at an additional cost). So if you’d like some added security for repairing expensive modifications or a higher level of protection for personal items inside your car, this flexibility could be useful.

    What features are included in comprehensive car insurance? 

    Mozo car insurance features graphic

    Comprehensive car insurance inclusions will differ between providers, but there are some common features to look out for, including: 

    • A new car if yours is written-off

    By ‘new’ this generally means a car of comparable value to the make, model, age and condition of your vehicle at the time it’s written-off. A guaranteed replacement will usually depend on the age of the car since registration (often under two years old), how far it’s been driven (normally less than 60,000km) and whether you’ve chosen to value the car at an agreed or market value.

    • Accidental damage to your car, others cars and property

    The agreed upon coverage will differ depending on circumstances like who was at-fault in the incident or if multiple people shared responsibility. 

    • Damage caused by natural disasters or malicious acts

    Think flooding, fires, hail and storm damage, as well as people breaking into your car, stealing it or otherwise damaging it. Be sure to check your policy for specific occurrences or caveats to this cover. Also make sure you're honest about where you park your car at night (in a garage or on street parking) as this could affect your coverage.

    • Emergency repairs

    These are often the kind of repairs you need to make to get your car back on the road immediately after an incident. Some insurance providers will cover costs for these repairs, up to a dollar figure, without having to do an assessment.

    • Towing, travel and accommodation in an emergency

    In some cases, car insurance companies may cover comprehensive policy holders for reasonable towing costs from a crash scene to an agreed upon mechanic. They may also provide cover for travel and accommodation costs if you’re in an accident a certain distance from your home, although this is normally limited to a daily dollar limit or set timeframe.

    What are comprehensive car insurance optional extras?

    Every driver is different and so everyone should have the option to make their comprehensive car insurance unique. While you’ll pay a little more on top of your standard premium for optional features, it could be your saving grace if you require specialised cover. Some common comprehensive car insurance optional extras include: 

    Windscreen cover: You’re sometimes required to take out windscreen cover as an extra to cover any damage to your windscreen or other glass on your vehicle. You might have to pay an excess to use this feature but some providers will offer excess-free windscreen cover as an optional extra. 

    Hire car cover: Some policies will sort you out with a hire car as standard but only if your car is stolen. Others will cover you after a not-at-fault accident but not after theft. So, you can often opt-in to ensure you are covered for a rental car in all circumstances, including after an at-fault accident. In most cases, there’s normally a maximum price or number of days the provider will agree to cover it for.

    Damage to valuables inside your car during an accident: This can vary significantly between policies. There can be specific dollar limits for certain items like baby capsules or seats, and sometimes it will only cover items if they’re stolen. Some level of this cover could also be included as standard in a comprehensive car insurance policy.

    Roadside assistance: Roadside assistance comes to the rescue with immediate mechanical solutions when you’re broken down. Most insurance companies won’t offer this as standard but some may include it as an optional extra or package deal.

    Choice of repairer: The option to choose your own repairer is available through some comprehensive car insurance policies. This is great for dedicated gearheads with a trusted mechanic they want to oversee all repairs.

    Choice of agreed or market value: Most policies will value your car based on what a vehicle of similar make, model, age and condition could be sold for. This will impact the amount you can be paid out if you write-off the car. In some cases, there may be the option to settle on an agreed value. This is useful if you’ve made modifications which you believe enhance the value of the car or if it’s very new.

    Remember: there are some things that are not covered by comprehensive car insurance. Make sure you know what generally isn't covered by your policy before you start a car insurance claim.

    What can affect my comprehensive quote? 

    There are many factors which go into determining your comprehensive car insurance quote and the final cost of your premium. Every insurance company has a different process but it’s usually centred around identifying statistical risk factors which may be relevant to you. This is used to calculate how likely you are to make a claim and a price is set accordingly.

    As outlined in Mozo’s 2020 car insurance report, a few of the common demographic and driver-based factors which can affect the cost of your comprehensive car insurance include:

    • Your age, gender and location (same goes for any other listed drivers on your policy)

    • How long you’ve been driving, your driving record and your insurance claims history (and for other listed drivers)

    • Where the car is kept – it’ll be cheaper if it’s housed securely in a garage rather than on the street

    • The make, model, age and condition of your car

    • Any modifications or special feature on the car

    • How often the car is driven and for what purpose (e.g. for work or as a rideshare)

    • Whether you choose an agreed or market value.

    How can I lower the cost of comprehensive insurance? 

    Depending on your provider, there are generally discounts or options that can lower the cost of your comprehensive car insurance. 

    For instance, you might be able to choose a higher excess to reduce your annual premium (just remember you’ll have to pay more at claim time this way). Or you can stick to the market value of your car, rather than insuring it for a higher agreed price. 

    Other discounts you might have access to include:

    Mozo comprehensive car insurance discounts
    • Online application discounts. Many providers will offer a decent discount on your first yearly premium if you apply for and buy your policy online. 

    • Loyalty discounts. The longer you stay, the less you could pay. Loyalty discounts are often set to time frame tiers, so your reward will grow slowly with the years you stay with one organisation.

    • Multi-policy discounts. You might get a discount if your household has multiple vehicles insured with the one company or if you also have other kinds of insurance like home & contents cover under the same brand.

    • No claims bonus. This basically a good driving reward handed out when you don’t make any claims on your policy (sometimes you can make a limited number of not-at-fault claims). It’s generally a percentage taken off your premium built up over time which can be reduced or lost if you do make a claim. This is often transferable if you change providers. 

    • Low km policy. This is also known as a pay-as-you-drive policy option. If you don’t drive as often as the average Aussie, this may be cheaper since you’re on the road less and therefore less likely to make a claim. There’s normally a set number of kilometres you’ll have to stick to within a policy period to get the discounted rate but you can often increase this limit for a premium bump up.

    What’s the best comprehensive car insurance? 

    The best comprehensive car insurance policy is one that suits your specific needs and budget. The best way to find an ideal policy is to research your options well and compare car insurance quotes side by side.

    A great place to start this journey is with the Mozo Experts Choice Car Insurance Awards. Each year Mozo’s expert judges analyse thousands of comprehensive car insurance quotes to find some of Australia’s best quality and best value policies.

    See the winning providers below.



    Is there special car insurance for some car makes and models? 

    While you don't necessarily require specialised car insurance for certain car brands, there could be policies or levels of insurance which suit your wheels better than others.

    To understand the insurance costs associated with some popular car makes and models, we've broken down the numbers for:

    Here you'll be able to find average annual premiums across various models, as well as insurance trends for people who drive these cars.

    Comprehensive car insurance FAQs

    What is a comprehensive car insurance excess?

    An excess is an amount you’ll need to pay before your comprehensive insurance kicks in to cover insured costs. Some policies will have a set excess, while others may let you choose a lower or higher option. If you go lower, you may see a premium increase and vice versa. 

    Some situations may require an additional or different level of excess. This can include:

    • A young or inexperienced driver excess

    • An unlisted driver excess (for younger drivers or those with any level of experience)

    • A lower windscreen excess (excess-free window and glass cover may also be an optional extra).

    Who can be covered under my comprehensive car insurance?

    Anyone driving your car with a current Australian drivers licence can be covered under your comprehensive car insurance. You may want to have people who regularly drive your vehicle listed on the policy to avoid paying a higher excess at claim time if they were the driver involved in the incident.

    You may also need to inform your insurance provider if a learner driver is using the vehicle, as they may not always be covered automatically under your policy. Similarly, you may want to tell your provider if a P-plater is using the car to avoid a higher unlisted driver excess. 

    P-plater car insurance can be taken out separately if the driver buys their own car, but some may choose to stay under the family policy, which is an option until they’re 25.

    Does comprehensive car insurance cover storm and hail damage?

    With a comprehensive car insurance policy you will most likely be covered for  storm and hail damage. However, there may be some limits or exclusions for specific circumstances, so be sure to read your PDS carefully

    For more information, read this breakdown of how storm and hail damage is covered by car insurance.

    What is a ‘write-off’ in my comprehensive car insurance?

    A car is classified as a write-off when the costs to repair the damage outweighs the value of the vehicle. It could also be the case that the car is mechanically irreparable. This will be determined by your insurance company's assessors.

    Your comprehensive car insurance policy will step in and either pay out the amount you are insured for or pay for the purchase of a new car (minus your excess and other costs). Sometimes car parts can be salvaged or sold as scrap and this profit is factored into the amount you are covered for.

    Is my windscreen covered by comprehensive car insurance?

    Most comprehensive car insurance policies will cover your windscreen for repairs and replacements. But like any other claim, there may be specific limits or exclusions, so be sure to read the fine print.

    It’s also important to note that many comprehensive car insurance policies offer $0 or significantly reduced excess levels for windscreen damage claims (either as standard or as an optional extra for an additional cost). 

    Read more about how this could impact your policy and wallet at claim time with our guide to windscreen cover and car insurance.

    How do I make a comprehensive car insurance claim?

    Every provider will have a slightly different claims process but most offer the option to lodge a claim online or over the phone. The important information you’ll need to have on hand when you make a claim includes:

    • Your personal details and insurance information

    • The date, time and location of the incident

    • An account of the events and road conditions at the time

    • The details of any drivers involved in the incident (including contact info, licence number, car registration and insurance details)

    • Contact information and statements from any witness

    • Any photo evidence of the incident or damages to vehicles and property

    • A police report (if applicable).

    When you make a claim on your insurance, you’ll have to pay your excess before any repair work begins on your car. Other expenses to be aware of after a claim include a potential premium increase the following year and a possible hit to your no claims bonus.

    What should you do if you’re involved in a car accident?

    While this will change slightly depending on the kind of road accident you find yourself in and who is responsible for it, there are a few general things you should remember to do. 

    Firstly, stay calm, ensure anyone involved in the incident is safe and, if possible, that damaged vehicles or debris aren’t creating road hazards – put your hazard lights on as a warning to other road users if appropriate. If someone has been injured and requires medical assistance, call emergency services on 000.

    The next steps involve exchanging contact and ID info with other involved parties, noting down details like the date and time and collecting evidence like photos of the damage or road conditions. If applicable, you may need to contact police to lodge a report or call animal rescue services to assist injured wildlife.

    For more detailed information on specific car accident scenarios, read Mozo’s step-by-step guide on what to do if you’re involved in a car accident.

    Is comprehensive car insurance different around Australia?

    If you take out a comprehensive car insurance policy in one state or territory, this should cover you around the country. Prices vary between providers but there are also varied cost trends depending on your geographical location.

    Check your Product Disclosure Statement (PDS) for any limits on consecutive days your car can be driven outside the state or territory it’s registered in and still be covered under comprehensive insurance. Registration and CTP costs also differ around Australia.

    Most car insurance companies operate Australia-wide, but if you are looking to compare car insurance policies in your area, Mozo has the details on localised providers in:

    How much does car registration cost in Australia?

    Car rego costs and inclusions differ between the states and territories, but you will legally need to be registered to drive anywhere in the country.  This is an additional cost on top of comprehensive car insurance – in some states it's a standalone bill, and in others it’s bundled together with your CTP insurance.

    Check out our guide to car registration costs in Australia for more info on pricing where you live.

    Picture of Olivia Gee
    Olivia Gee
    Money writer

    As a finance journalist at Mozo, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. Now she is Mozo’s resident car insurance enthusiast, and is certified (ASIC RG146 Tier 2) to provide general insurance advice. She also edits content for the Mozo Experts Choice Awards, and creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.

    Car Insurance Reviews

    Suncorp Insurance Car Insurance
    Overall 1/10
    Disappointed from service

    I’d like to let you know this is the worst insurance mob in the world. My accident happened over 3 weeks ago and wasn’t at fault at all! Someone else done damage to my car and am calling to Suncorp insurance to everyday for my car but nobody have not gave a response and always just asking same questions and they didn’t find any solutions. Your company is fuckin beyond a joke I wouldn’t recommend this company to anyone! Your service is shit. I have nothing nice to say at all!

    Read full review

    I’d like to let you know this is the worst insurance mob in the world. My accident happened over 3 weeks ago and wasn’t at fault at all! Someone else done damage to my car and am calling to Suncorp insurance to everyday for my car but nobody have not gave a response and always just asking same questions and they didn’t find any solutions. Your company is fuckin beyond a joke I wouldn’t recommend this company to anyone! Your service is shit. I have nothing nice to say at all!

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Man, Northern Territory, reviewed 6 days ago
    Suncorp Insurance Comprehensive Car Insurance
    Overall 1/10
    Very unsatisfied

    Poor service , and claims process, purchased a vehicle on financed back in July/ august , as of 8th of November 2021 The steering wheel locked up and the engine caught on fire, this was at 5 15 pm, so after fire was put out, I proceeded to contact Suncorp, I literally was on hold for almost 4 hours, as it was getting dark I had no hazard lights as the fire ripped through some wiring, then i finally got a response, I was told to call a tow truck, by the time tow truck turned up, it was nearing 10pm at night, so car got towed off to repairer, I didn’t get offered a rental car in the meantime, so had to figure out how to commute to work, got told they wanted a 850 excess fee, so I paid, a week goes by and the vehicle is unrepairable total loss They ring me up and tell me that they will pay out finance company which wasn’t enough to cover loan and then proceeded to close the claim, while I’m left with a shortfall to pay for the loan, with a vehicle I don’t have, they did nothing to reassure me, contacted the dealership, they explained it’s out of there hands, and all liability is with the insurance company, when I insured the vehicle, so got shafted by Suncorp and dealership with no vehicle and debt to pay

    Read full review

    Poor service , and claims process, purchased a vehicle on financed back in July/ august , as of 8th of November 2021 The steering wheel locked up and the engine caught on fire, this was at 5 15 pm, so after fire was put out, I proceeded to contact Suncorp, I literally was on hold for almost 4 hours, as it was getting dark I had no hazard lights as the fire ripped through some wiring, then i finally got a response, I was told to call a tow truck, by the time tow truck turned up, it was nearing 10pm at night, so car got towed off to repairer, I didn’t get offered a rental car in the meantime, so had to figure out how to commute to work, got told they wanted a 850 excess fee, so I paid, a week goes by and the vehicle is unrepairable total loss They ring me up and tell me that they will pay out finance company which wasn’t enough to cover loan and then proceeded to close the claim, while I’m left with a shortfall to pay for the loan, with a vehicle I don’t have, they did nothing to reassure me, contacted the dealership, they explained it’s out of there hands, and all liability is with the insurance company, when I insured the vehicle, so got shafted by Suncorp and dealership with no vehicle and debt to pay

    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Hamish, Victoria, reviewed 6 days ago
    AAMI Comprehensive Car Insurance
    Overall 2/10
    Aami = too big, forgotten customer service

    Remember "Lucky your with aami" ?? I did not feel lucky appon making a claim. It should not take 7 phone calls before my claim could start to get processed! Then gave me the run around including too inflexible about where repairs are done. This company has gotten too big to be able to provide proper customer service. LOOK ELSEWHERE! I WILL Be.

    Read full review

    Remember "Lucky your with aami" ?? I did not feel lucky appon making a claim. It should not take 7 phone calls before my claim could start to get processed! Then gave me the run around including too inflexible about where repairs are done. This company has gotten too big to be able to provide proper customer service. LOOK ELSEWHERE! I WILL Be.

    Value for money
    3/10
    Policy coverage
    6/10
    Customer service
    2/10
    Claims handling
    2/10
    Trust
    2/10
    Less
    Damien, South Australia, reviewed 6 days ago

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