car insurances

Compare car insurance Northern Territory

Are you a Territorian looking to protect your wheels? Well you’ve come to the right place, because here at Mozo registered Northern Territory drivers can compare a range of comprehensive car insurance policies. So whether you reside down in Alice Springs or use your trusty 4WD to navigate the Top End, you can use this page to find an insurance plan for your vehicle.

Get started by comparing comprehensive car insurance policies below. Or if you want to read up on car insurance in general, we have a range of guides and a whole heap of FAQs to delve into at the bottom of this page.

Fact Checked

Car insurance comparisons on Mozo - last updated 18 September 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
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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

    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
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
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    $400 - $1,850 (varies By State)
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • No Claim Discount
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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. This means premium benefits, optional extras, and rewards for being a safer driver. Stella are back by QBE. Other features include a no claim reward, new car replacement, customise your policy and more. Get a quick quote online in 40 seconds and insured in 4 minutes.

    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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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

    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).

    Monthly premiums
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    Yes Costs Extra
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    Optional Extra
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    $400 - $2,200
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount $75
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  • 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
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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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  • Comprehensive Car Insurance Policy

    Bingle keeps car insurance simple - choose between Comprehensive and Third Party Car Insurance. Comprehensive covers you for accidental loss or damage to your own car caused by insured events such as accidents, theft, storms, fire.

    Monthly premiums
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    Yes Costs Extra
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    No
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    $650 - $2,200; Varies Between States
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    Market

    Available discounts

      Compare
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    • Comprehensive Car Insurance

      Easier, better, smarter car insurance. Say g’day to Poncho. 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 works just like a monthly subscription.

      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
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        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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      • 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
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        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

        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
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        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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      ^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

      Comparing NT comprehensive car insurance policies with Mozo

      The needs of Territorian drivers are as varied and unique as the land they reside on. From the beautifully biodiverse Top End to the Red Centre and Alice Springs in the south. Roads can vary depending on whether you live in Darwin, one of the major towns or off the beaten track. So it’s important to make sure you have the right level of insurance for your vehicle.

      The comparison tables above show a snapshot of comprehensive car insurance policies on offer right now. Here you can see what discounts are available, whether paying monthly is an option and what the range of excess is for each insurance plan. Plus, if you want to read more about an individual policy you can click through to a longer review with more information. Or, if you’re keen to get a quote, press on the ‘go to site’ button to go directly to an insurance provider’s website.

      For more information on car insurance in the Northern Territory in general, have a read of the frequently asked questions below. 

      What are the car insurance options in the Northern Territory?

      No matter where you live, you must have compulsory third party car insurance to legally drive in Australia. In the NT this is known as the Motor Accidents Compensation (MAC) scheme. It is described on the MAC Commission website as ‘personal injury cover for you and your family’ and is included in your NT motor vehicle registration*.

      It is also a ‘no-fault’ scheme, meaning that drivers are covered, regardless of who caused an accident. The MAC scheme provides cover for drivers, passengers, cyclists and pedestrians in the Northern Territory. This type of insurance does not provide cover for your vehicle. 

      If you want to make sure your wheels are covered, you will have to take out either third party fire and theft or comprehensive car insurance. Both of these as well as third party property car insurance are available in the NT. Let’s break this down in more detail. 


      What cover is provided with third party property insurance?

      Generally speaking there are two types of third party property insurance. These are simply third party property and third party property fire and theft. Third party property car insurance provides liability for accidental damage that you may cause to someone else’s property. It does not usually provide cover for your own car.

      You can add some level of protection for your wheels, however, with third party property fire and theft. This is basically third party property insurance: legal liability for you, plus cover for if your car is damaged as the result of a fire, attempted theft or theft.

      How does comprehensive car insurance work in the NT?

      If you’re keen to avoid a big bill at the mechanic’s, then you may want to look into comprehensive car insurance. This type of car insurance will cost you more in premiums, but will also provide more cover for your car. This includes cover if your car is damaged, as well as liability for damage you may cause to someone else’s car.

      Comprehensive car insurance can also provide cover for stuff like personal items, hire car costs following a not-at-fault accident, emergency transport and accommodation, replacement keys if you lose yours and towing costs. There is also often the option to pad out your cover with optional extras. These can include choice of repairer, cover for a hire car following an at-fault accident and reduced window glass replacement excess cover. 

      What will affect my car insurance premium in the Northern Territory?

      How much you pay for your car insurance premium will depend on how likely the insurance company thinks you are to make a claim. To work out this likelihood, the insurance provider will look at a number of factors, including:

      • Your age. As drivers under 25 tend to have less experience on the roads, they are often charged a higher premium. That said, your premium could also be priced higher if you are over 25 and have less than two years of driving experience under your belt.

      • Your gender. Statistically speaking, women have less car accidents than men and as such are often charged lower car insurance premiums. Read more about why women pay less for car insurance here.

      • Where you park your car at night. Whether you park your car in a garage or on the street at night will have an affect on your car insurance premiums. 

      • Where you live. What the crime rate is like and whether your local area is prone to extreme weather events like flooding will have some effect on what you pay for insurance.

      • Your wheels. How old your vehicle is, what safety measures it has, the model and size are all factors that will be used to calculate your car insurance premium costs.

      • Driving history. Your driving history including past insurance claims, scrapes and accidents will all be taken into account when calculating your premium. You will also be asked how many kilometres you drive on average each year.

      • What policy you choose. The type of policy you choose will also determine how much you pay. That also takes into account whether or not you add optional extras such as choice of repairer or roadside assistance onto your policy.

      How might car theft in the NT affect my insurance?

      As mentioned above, one of the factors that is taken into account when calculating premiums is the rate of car theft in a particular area. So, the rate of car theft in the Northern Territory may have some effect on how high or low your premiums are. 

      The good news is that according to the National Motor Vehicle Theft Reduction Council, car theft in the NT actually decreased by around 23% between September 2019 and September 2020^. This might mean that if you live in an area where car theft has reduced, your premium may go down. In that time period light commercial utility vehicles and small passenger cars were the most targeted by thieves.

      Darwin had the highest rate of car theft, closely followed by Alice Springs. Some of the most targeted vehicles were the Toyota Hilux MY05_11, the Toyota Hilux MY15+ and the Holden Commodore VE MY06_13. If you own a vehicle that is more likely to be targeted by thieves, or you live in an area with a higher car theft rate, this could affect your insurance premiums.

      What car insurance discounts are available in the NT?

      If you’re looking to reduce your car insurance premiums, there are a few commonly available discounts to look out for. These are:

      • Online discounts. Most car insurance policies have a presence online these days and will even give you a discount for signing up virtually. 

      • Multi-policy discount. If you’re also after insurance for your home or contents, you might consider bundling your policies and taking advantage of a multi-policy discount. 

      • Restricted driver discount. If you are the sole driver of your car, or you know that other drivers will be over 25 or 30, you might be able to bag a restricted driver discount.

      • No claim bonus. A bit more of a long game reward, the no claim bonus is a discount offered by a lot of insurance companies. This discount depends on you not making any claims, or at least not making any at-fault claims and is accumulated over time.

      • Family discount. This one usually applies to under 25s who opt for the same insurance provider as their parent or guardian.

      • Loyalty discount. One of the perks of sticking with the same insurance provider for a number of years is a loyalty discount. If that describes you and your provider hasn’t yet offered you money off, by all means get on the phone and ask for one!

      • Pay-as-you-drive plans. A number of insurance companies these days offer pay-as-you-drive or pay-per-kilometre plans. So if you only drive your car on weekends or you’ve been driving less lately, this could be another way to save money.

      *NT Motor Accidents Compensation Commission - accessed Jan 2021

      ^National Motor Vehicle Theft Reduction Council (Dec 2020) ‘Theft Watch Report’ - accessed Jan 2021

      **Road Safety NT (Dec 2020) ‘Lives lost on NT roads’ - accessed Jan 2021

      FAQs about Northern Territory car insurance

      How does the MAC scheme work in the Northern Territory?

      The Motor Accidents Compensation (MAC) scheme is the type of compulsory third party car insurance that you must have to legally drive a vehicle in the Northern Territory. It is included in your NT vehicle registration and is designed to provide cover for personal injury sustained from motor vehicle accidents.

      Unlike some other versions of compulsory third party car insurance, MAC is a no-fault scheme, meaning you are covered no matter who causes an accident. The scheme covers drivers, passengers, cyclists and pedestrians.

      Benefits included in MAC are medical, rehabilitation and financial support for people recovering from serious and in some cases, permanent injuries resulting from a motor accident.

      It should be noted that this type of insurance does not provide cover for your car or liability for any damage you may cause to someone else’s car.

      How does excess work?

      In short, an excess is the amount you choose to contribute towards a bill, before your insurance kicks in. So if you have an excess of $500 and a bill for $1,000, you would pay the first $500 and your insurance company would pay the other $500.

      In general, the higher the excess you choose, the lower your insurance premiums will be. This is because if you do have to claim, your insurance provider will pay less of your bill if you have a higher excess. So having a higher excess may cost you less in insurance premiums, but more come claim time. On the flip side, if you have a lower excess your premiums will be higher, but you will probably pay less if you do have to make a claim.

      Insurance providers often offer a range of excess options to choose from. This range is included in the snapshot of insurance plans listed above.

      What is the difference between market value and agreed value?

      There are two different ways insurance companies can value your vehicle: these are by market value or agreed value. A simple definition of the two is:

      • Market value. Quite simply this is how much your car would fetch on the open market. If you opt for market value, your insurance provider will take into account depreciation, what kind of shape your car is in, the model, age and so forth. The market value will most likely go down as your car ages.

      • Agreed value. This is a value that you and your insurance company agree on, when you sign up to your policy. Your insurance provider will review the value each time you renew your policy and will probably decrease it, as your car gets older.

      What happens if my car is written off in the Northern Territory?

      In the event that your car is written off and so long as you have comprehensive car insurance, your provider will usually pay the sum your vehicle is insured for. How much you receive will depend on whether your car is valued at the current market value or a previously agreed upon value.

      Alternatively, if you have new-for-old replacement cover, your insurance provider may pay for the purchase of a new, similar car. Generally this applies if your car is less than two years old when it is written off.

      Do car accidents in the NT affect my car insurance?

      A number of factors are used to calculate how much you pay in insurance premiums. As mentioned above these can include things like car theft and they can also include car accidents. To expand on this, if there are a lot of accidents in your area, your car insurance provider may take this into account when working out your premium.

      According to Road Safety NT there were 23 lives lost as a result of motor vehicle accidents in 2020 (up to 10 December 2020)**. In 2019 that number was 35 and in 2018, 50. While you can’t easily change where you live, you can of course take precautions by being a safe driver yourself. Between 2009 and 2019, a key contributing factor to fatal accidents was the consumption of alcohol. So, by following road rules and being a careful driver you can not only protect yourself and everyone else around you, but you could also lower your car insurance premiums.

      What are the most common types of car insurance claims in the Northern Territory?

      According to a report from Suncorp, windscreen claims were the most common type of claim in the NT, in 2019. These types of claims made up 36.24% of claims in the territory that year. This was followed by single car collision claims and claims for damage while parked. 

      What do I need for a car insurance quote in the Northern Territory?

      When picking an insurance policy for your wheels, you may want to gather a number of quotes from different providers to weigh up your options. For this you’ll need to have a few details handy including:

      • Your personal information. This can include your full name, DOB, contact details and possibly gender.

      • Information about your vehicle. This is usually your registration number, the make and model of your car and how old it is.

      • Your driver’s license. You may have to provide your driver’s license number and how long you have had it.

      • Where you park at night. The insurance provider may ask you where you usually park your car at night - that is the address and whether you park on the street or in a garage.

      • Your driving history. You will probably be asked to declare any incidents or accidents that you have had in the past few years.

      • The distance you drive. To work out your premium your insurance provider will want to know how many kilometres you usually drive per year.

      Does Mozo compare car insurance for other states and territories?

      Yes, Mozo compares comprehensive car insurance policies for all states and territories in Australia. You can find the links here:

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

      While you don't need a particular kind of insurance for any type of car, there could be policies which suit your circumstances better.

      The Mozo team has investigated annual premium quotes and insurance trends for a few different car brands so you can better understand the costs associated with some popular cars:

      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.

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      RACQ Comprehensive Car Insurance
      Overall 10/10
      Reliable and competitive insurance!

      I have been with this insurance company since I got my first car and they have been so helpful throughout the years with any claims i've made and also very competitive with pricing.

      Read full review

      I have been with this insurance company since I got my first car and they have been so helpful throughout the years with any claims i've made and also very competitive with pricing.

      Value for money
      10/10
      Policy coverage
      10/10
      Customer service
      10/10
      Claims handling
      10/10
      Trust
      10/10
      Less
      Goran, Queensland, reviewed about 18 hours ago
      Elders Car Insurance
      Overall 10/10
      Great insurance

      Very honest and quick to sort out any issues.

      Read full review

      Very honest and quick to sort out any issues.

      Value for money
      10/10
      Policy coverage
      10/10
      Customer service
      10/10
      Claims handling
      10/10
      Trust
      10/10
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      Lee, South Australia, reviewed about 18 hours ago
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      Overall 8/10
      Reliable, Decent Pricing

      Pretty straightforward, good customer service. Prices are reasonable too.

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