Compare comprehensive car insurance and save online

If you're after top-level car cover, a comprehensive car insurance policy is the way to go. It's the only type that covers repairs or replacements to your car if the accident was your fault. Our comparison table below makes it easier to find the best and most affordable options for this heavy-hitting cover.

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Comprehensive car insurance comparisons on Mozo

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Last updated 13 December 2024Important disclosures
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. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.

    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

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    • Comprehensive Car Insurance

      QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.

      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 - $2,300
      Agreed or market value
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      Agreed Or Market

      Available discounts

      • Online Discount $75
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    • 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
      Choice of repairer
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      Optional Extra
      Choice of excess
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      $550 - $1,900 (varies By State)
      Agreed or market value
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      Agreed Or Market

      Available discounts

      • No Claim Discount
      • Online Discount 15%
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    • Comprehensive Car Insurance

      ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).

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

      Available discounts

      • Get 10% Off The Base Premium For The First 2 Consecutive Monthly Policies And Up To A 15% Potential Monthly Discount From Your 3rd Month For Being A Safer Driver. Minimum Premiums May Apply. T&Cs Apply.
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    ^See information about the Mozo Experts Choice Car insurance Awards and the Mozo People's 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.

    What is comprehensive car insurance? 

    Comprehensive car insurance is the highest level of optional car insurance you can stack on top of the mandatory ‘compulsory third-party’ (CTP) insurance every motorist must have. While CTP covers injuries or death you cause to yourself, passengers, other drivers and pedestrians, comprehensive car insurance covers you for nearly everything else: your car, their car, other property and financial damages others incur.

    It also covers your car against natural events like floods and hail, and will often cover damage to your car caused by an uninsured driver.

    What does comprehensive car insurance cover?

    Let’s dig a little deeper at some of the features included in most comprehensive car insurance policies. These cover areas are what truly set comprehensive policies apart from lesser policies.

    • Accidental damage. Pays for towing, repairs or replacements if your car is damaged in an accident you cause. For example, you hit someone else or crash into a wall.

    • Natural events. Covers you for damages due to natural events like hail, flood or falling branches.

    • Uninsured drivers. Covers damages to your car if an uninsured driver hits you and damages your car.

    • Theft. Covers you if someone steals your car and it’s never found or comes back damaged.

    • Accidental damage to others. Covers damages you cause to others’ cars, property, animals or finances (for example if they have to miss work). Lesser policies also provide this cover, but you won’t need to double up since it’s also included in comprehensive policies.

    All insurance companies are required to outline in full detail what exactly they cover in a document called the product disclosure statement (PDS). 

    💡 Top tip: The insurer will usually have a link at the bottom of their policy page, which leads to a section of the site where you can download the PDS of any live policy.

    Use our table above to compare major high-level  features, and then consult the PDS of those you are interested in. Learn more about how to read a PDS.

    Other features of comprehensive car insurance

    Your comprehensive car insurance policy will probably contain a few standard ‘perks’ that will make life easier after an accident. 

    • Travel and accommodation. If your car needs towing and you’re far from home, many policies will pay for you to get back home or cover the costs of a hotel.

    • Emergency repairs. If immediate repairs will help get your car running again safely, your policy may cover these repairs before getting it assessed further.

    • New for old replacement. For brand new cars with low mileage, many policies will replace your car with a new one of similar make and model, if yours is damaged beyond repair. Without this feature, you’ll still be covered but only up to the dollar amount you’re covered for, which can be either an agreed value or market value.

    • Not-at-fault hire car. Most comprehensive policies will pay for a hire car while your car is being repaired due to an incident covered by your policy, where you weren’t at fault.

    • Personal items. Most comprehensive policies will cover you for a token amount toward personal items (like child safety seats, laptops or cameras) if they were damaged or destroyed as part of a larger covered event (like a collision or natural event). You may even be able to increase the dollar amount covered by paying a little extra on your premium.

    • Choice of excess. The excess is a dollar figure, specified in your policy, that you agree to pay whenever you claim. Most policies (comprehensive or otherwise) allow you to select your level of excess. Your choices can range from $0 to $2000 or more. A higher excess usually means lower premiums, and vice versa.

    LEARN MORE ABOUT HOW EXCESS WORKS

    Use our comparison table above or consult the PDS of any policies you’re interested in to see if a policy offers these perks, for what dollar amount and under what conditions.

    Optional add-ons for comprehensive car insurance

    The following features are often available to add to your comprehensive cover, but since they aren’t standard features, they typically cost a few bucks more to add them:

    • Roadside assistance. This will send someone out to help you if you’re left stranded due to minor mishaps like a dead battery, minor electrical fault, flat tyre, you run out of gas or lock your keys in the car. Under this cover, the service is usually free, but you may still have to pay out of pocket if they need to install new parts like a brand new battery or tyre.

    • Choice of repairer. Most insurance companies prefer to use a repairer in their own network, but if you have a mechanic you trust more, you can usually pay a bit extra for the right to use your guy instead.

    • Reduced or waived windshield excess. With this feature, your excess is reduced or waived for damage solely affecting your windscreen or other window glass, meaning you won't have to pay out-of-pocket for that pebble that flies up out of nowhere.

    • At-fault hire car. This provides you with a hire car to use while your car is being repaired due to an incident in which you were at fault.

    • Agreed value. Agreed value is a firm dollar amount you and your insurance company agree on at the time you open your policy, regardless of any depreciation prior to the accident. 

    💡 Agreed vs market value: Without this agreed value feature, you’ll likely only be covered for your car’s market value, or the going market rate for a similar car at the time of the accident. This can be considerably less than what you paid for the car depending on how your car has aged and the current market rate for something similar.

    Some car insurance companies will bundle some or all of these into a more expensive product called Comprehensive Plus or Premium car insurance. These are just unofficial labels some insurance companies use to refer to comprehensive car insurance policies with all the bells and whistles included. 

    How much is comprehensive car insurance?

    Our 2024 Mozo Car Insurance Report found that the average Aussie pays $1,717 per year on car insurance. Keep in mind this includes all levels of cover, cars of all ages, makes and models, and among drivers of all ages and driving histories. 

    But the fact is, the cost of a car insurance policy can change significantly depending on a variety of behavioural and situational factors unique to you and your car, like your age, location, parking situation, driving history, make and model of your car and more. 

    They'll use this data to assign each policyholder a risk profile, which they’ll use to calculate your premiums, so it's tricky to know exactly what you'll end up paying until you’ve actually requested a quote. 

    💡 Top tip. Use quotes for research. It’s obligation-free, quick and straightforward. Just find a few policies you like from our comparison table above, follow the link to the quote page. Then simply fill in the requested details, click ‘get quote’ and within seconds you’ll get an estimate of your premium. 

    It’s completely up to you if you want to take the next steps and make the purchase.

    LEARN MORE ABOUT CAR INSURANCE QUOTES

    What’s the best comprehensive car insurance?

    Our expert insurance experts and analysts place the best car insurance policies in Australia into one of two categories:

    • Exceptional value. Comprehensive car insurance policies that hit that sweet spot between price and must-have features.

    • Exceptional quality. Comprehensive car insurance policies that stand out for their generous perks and flexible options, price aside.

    The definition of “best” differs from person to person. So if either of these categories speak to you, check out our top picks in those categories on our 2024 Mozo Experts Choice Awards page.

    DISCOVER OUR AWARD WINNERS

    What’s the cheapest comprehensive car insurance?

    You can’t go wrong checking out our Exceptional Value comprehensive car insurance picks mentioned above. They’re the cheapest we’ve found based on our requirement that they contain all the essential features most drivers need in a comprehensive policy. But if you want more help, our guide to cheap car insurance explains ways you can bring your premiums even lower via discounts and other methods.

    CHEAP CAR INSURANCE GUIDE

    Picture of Brad Buzzard
    Brad Buzzard
    RG146
    Senior Money Writer

    Brad brings over 25 years of experience in writing and consumer research to Mozo, using his RG146 certification for Generic Knowledge and Superannuation Brad has a knack for translating complex policies, to deliver practical guidance on financial matters. Brad has been featured in The Australian, B&T, Mumbrella, and Asia Insurance Review, and his insights have influenced the strategies of some of the world's biggest brands including McDonalds and Proctor & Gamble.

    Comprehensive car insurance FAQs

    What is a comprehensive car insurance excess?

    Your excess is the amount you’ll need to pay before your comprehensive insurance kicks in to cover insured costs. Most policies will let you choose from a range of excess amounts. A lower excess means higher premiums, and vice versa.

    Some situations may require you to pay an additional excess on top of your standard excess, including excesses for young, inexperienced and unlisted drivers.

    Who can be covered under my comprehensive car insurance?

    Anyone with a current Australian drivers licence, and your permission to drive the car, is covered under your policy. If it’s a learner driver, you’ll have to meet all legal requirements required by your state, including supervision by a full licence-holder.

    If they’re not listed on your policy, you’ll likely be charged an unlisted driver excess on top of your standard excess if they cause any damages. Adding all regular drivers as ‘listed drivers’ can help you avoid this additional excess, but it can impact your premium if any of those drivers have a higher risk profile. So you’ll have to weigh up the cost of the premium vs any additional excess for unlisted drivers.

    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). 

    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).

    Our guide on what to do after an accident offers more detail about how to gather all pertinent information. You can also check out our guide to making a car insurance claim to learn more about the claims process.

    What are the other levels of car insurance?

    If comprehensive car insurance seems like too much cover for you, there are other options. Just be aware that your car won’t be covered for any collisions that are your fault.

    Here are the two other optional covers you can stack on top of your mandatory CTP insurance:

    • Third-party property (TPP). Third-party property insurance is the lowest level of optional cover you can buy. It only covers the damage that your car causes to other people's vehicles or property.

    • Third-party fire and theft (TPFT). Third-party fire and theft insurance is one (small) step up from TPP. This covers you for everything TPP does, plus your car in the event of fire or theft.

    Neither of these options cover your car for collisions you cause or weather-related events (except for fire in the case of TPFT).

    What is CTP insurance?

    CTP stands for compulsory third-party insurance, also referred to as your green slip. It covers medical or death-related costs if you cause an accident that results in the unfortunate death or injury of anyone involved including yourself, your passengers, drivers and passengers of other vehicles, or pedestrians. 

    It’s mandatory because such costs can far outweigh damages to physical property, and it eases the burden on the medical system, while providing the necessary medical attention the involved parties might need.

    Keep in mind that it may not cover your medical costs if you’re drink driving or committing any severe driving offence. 

    Car Insurance Reviews

    Budget Direct Car Insurance
    Overall 8/10
    Good value car insurance

    Haven't made a claim....but their price is good

    Read full review

    Haven't made a claim....but their price is good

    Value for money
    9/10
    Policy coverage
    9/10
    Trust
    8/10
    Less
    John, Victoria, reviewed 1 day ago
    RACV Comprehensive Car Insurance
    Overall 1/10
    Terrible all round

    1. I was with RACV for many years, had to make a claim for a not at fault and they refused to cover all damage from the incident. 2. Premiums keep going up, started at $130 a month then to $180 per month, then to $190 per months, then wanted to go up to $230 per month (no claims made between 180-230). I quickly cancelled and they still charged me an extra month. 3. I brushed passed a car and accidentally made an approx 15cm scratch with my handbag, not a very deep scratch. Person made a claim a month later with RACV and they are now trying to charge me $2,343.64 RACV is price gouging and money hungry.

    Read full review

    1. I was with RACV for many years, had to make a claim for a not at fault and they refused to cover all damage from the incident. 2. Premiums keep going up, started at $130 a month then to $180 per month, then to $190 per months, then wanted to go up to $230 per month (no claims made between 180-230). I quickly cancelled and they still charged me an extra month. 3. I brushed passed a car and accidentally made an approx 15cm scratch with my handbag, not a very deep scratch. Person made a claim a month later with RACV and they are now trying to charge me $2,343.64 RACV is price gouging and money hungry.

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Victoria, Victoria, reviewed 1 day ago
    RAA Comprehensive Car Insurance
    Overall 6/10
    RAA Very expensive. Look around other Canstar Coy'

    My car us 1 yr older, therefore worth less than a year ago. Yet RAA increased my renewal to over $1600 for my Mitsubishi Eclipse SUV. I have been with RAA for decades, have never made a claim and drive only around 7,000km a year. My car is 3 yrs old. I have now gone to a 5Star Canstar company and is $700 cheaper than RAA.

    Read full review

    My car us 1 yr older, therefore worth less than a year ago. Yet RAA increased my renewal to over $1600 for my Mitsubishi Eclipse SUV. I have been with RAA for decades, have never made a claim and drive only around 7,000km a year. My car is 3 yrs old. I have now gone to a 5Star Canstar company and is $700 cheaper than RAA.

    Value for money
    5/10
    Policy coverage
    9/10
    Trust
    7/10
    Less
    Kerry, South Australia, reviewed 23 days ago

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