Compare Car Insurance New South Wales

Whether you’re after comprehensive car insurance cover with all the bells and whistles or the policy that’s kindest on your hip pocket, Mozo has rounded up car insurance options available in NSW for you to compare. We’ve laid out the key policy features, discounts and need-to-know details below so that you can compare and then get a personalised quote.

If you're wondering what the best car insurance policies include or want to learn more about types of car insurance available in NSW, check out our range of guides and FAQs. 

Car insurance comparisons on Mozo - page last updated September 22, 2020

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    Monthly premiums
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    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

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

    Available discounts

    • No Claim Discount
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    Details
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    Monthly premiums
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    Yes Costs Extra
    Choice of repairer
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    No
    Choice of excess
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    $800 - $2,000
    Agreed or market value
    Car coin icon
    Agreed

    Available discounts

    • No Claim Discount
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    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    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 Up To 15%
    • Restricted Drivers Discount Available
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    Details
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    With many people driving less due to the current COVID-19 crisis, Youi are extending relief, offering new and existing clients a temporary 10% saving on car insurance premiums. Get a quote from the company that puts the people first.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $400 - $2,500
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

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    Monthly premiums
    Calendar icon
    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

    • Temporary 30% Reduction In Premium To Help Ease COVID-19 Pressure.
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    Details
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    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $500 - $2,000
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Online Discount 10%
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    • 5% Discount If You Exclude Drivers Under 25
    • Drive Less Pay Less Option To Reduce Premiums For Limited Kilometres.
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    Details
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    Monthly premiums
    Calendar icon
    Yes
    Choice of repairer
    tools icon
    Yes
    Choice of excess
    coins icon
    $600 - $1600 (varies By State)
    Agreed or market value
    Car coin icon
    Agreed

    Available discounts

    • Discounts Based On How You Drive, Collected Through App-connected Telemetry.
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    Details
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    Monthly premiums
    Calendar icon
    Yes Costs Extra
    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

    • Online Discount 5%
    • Additional 5% Discount For People Over 25.
      Compare
    Details

*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

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Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

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Comparing NSW comprehensive car insurance policies with Mozo

Whether you’re winding your way through the scenic Blue Mountains, trundling along gravel roads toward Broken Hill or zipping around suburban Sydney streets, every New South Wales driver wants to be sure their car is kept safe and sound while out and about.

Out of all the car insurers in Mozo’s database, a majority offer policies to New South Wales drivers. On the one hand, this means you're spoilt for choice when it comes to finding the perfect policy for your needs. On the flip side, so many choices can be overwhelming and make it hard to know which one is the right fit.

We’ve got a bunch of car insurance guides to help you work out what you need in a policy, including our Ultimate Buyer’s Guide to Car Insurance - which cover the ins and outs of what determines the cost of your policy, what to look for and how to save on your premium. And in the table above, you can take a look at some of the different car insurance policies available in New South Wales, and a snapshot of the features included with each. Want to know more about one or two? Just click the blue “go to site” button to go through to the insurers website, where you can get a quote for your wheels and learn more about the cover.

Before you click through, here are a few must-knows when it comes to taking out car insurance in New South Wales.

What is a green slip?

A green slip is simply what compulsory third party (CTP) insurance is known as in New South Wales. In fact, we have it on good authority that the reason it is called a green slip in NSW is because the paperwork was once actually green!

It is the minimum level of car insurance available and as with all states and territories, it is mandatory. The following are licensed CTP insurers in NSW:

Unlike some other states, in NSW you must have a green slip or CTP insurance, before you register your car. CTP insurance is generally designed to cover personal injury costs, it will not cover you for any damage done to your vehicle.

To make sure you don’t wind up with a big bill from the mechanic, you will probably want to look into comprehensive car insurance. See the policies above for options to insure your wheels. Plus read our handy guide on how CTP insurance differs in each state.

What other types of car insurance are available in New South Wales?

Generally speaking there are three main types of car insurance. These include:


  • Compulsory third party insurance (green slip insurance): As described above this is mandatory insurance that provides cover for personal injuries. This type of insurance does not provide cover for your actual vehicle.
  • Third party insurance: This type of insurance is optional and can provide cover for damage that you may cause to someone else’s vehicle. Check out our guide to third party insurance, to find out more about the different options available.
  • Comprehensive car insurance: Finally, comprehensive car insurance is the highest level of car insurance you can get. It provides cover for damage you might do to someone else’s car and also your own.

Want more information? Why not start with the FAQs below for a quick rundown of the need-to-knows.

What is comprehensive car insurance?

In a little more detail, comprehensive car insurance will cover you for accidental damage that you may do to someone else’s set of wheels, as well as damage done to your own. That usually counts even if you are in an at-fault accident (so long as you were not under the influence of drugs or alcohol at the time).

Plus, depending on the insurer you go with, this type of insurance will often also provide cover for damage to personal items in your car or even rental vehicle. On top of that, there are a whole lot of optional extras you can add on to your policy, should you want even more peace of mind. These can include windscreen replacement, choice of repairer and cover for hire car costs after an accident.

Finally, it should be noted that comprehensive car insurance is the most expensive type of insurance you can get for your wheels. However, it could save you a lot of money in the long run, should you ever find yourself making an unexpected trip to the mechanic.

What factors will affect my car insurance premium?

When it comes to calculating your premium, insurers will look at a number of different factors. This is done to figure out how high a risk you pose to the insurance company, i.e. how likely you are to make a claim. The more likely, the higher your premium will be.

Factors taken into consideration include:

  • Your driving history

  • How old you are

  • Your gender

  • The age and brand of your car

  • Where your car is parked at night.

So for instance, a 19-year-old who parks their car on the street is likely to be hit with a higher premium, than a 35-year-old who keeps their wheels stashed away in a garage.

This is because younger drivers, generally, have less driving experience and are statistically more likely to be involved in an accident. On top of this, being able to keep your car in a garage, as opposed to parked out in the open, means that there is a smaller chance that it will be stolen.

Of course, this doesn’t always follow. For instance, if the 35-year-old has a history of bad driving, then that will probably increase their premium. Or, if the 19-year-old lives in a neighbourhood with less instances of burglary and theft, then having to park their car on the street may not be such a big deal in the insurer’s eyes.

What excess you choose will also affect the premium your car insurer charges you.

What discounts are available on NSW car insurance policies?

One great way to save on your car insurance is to cash in on any discounts that apply to you. The big one is the no claims bonus, which is outlined in more detail below, but there are quite a few others.

Keep in mind you probably won’t be able to snag them all, but even one or two can make a serious dent in your premium. Here are the main ones to look for:

  • Online discount: As insurers embrace the digital age, they’re rewarding customers who do the same. That means you can snag a discount on your New South Wales car insurance policy simply for buying it online - how easy is that?
  • Loyalty discount: If you’ve stuck with the same insurer and been a loyal customer for years, you may be offered a discount come renewal time. But if a loyalty discount isn’t on offer, you should speak up and ask for one. If your insurer says no, it might be time to compare your options and see if there’s a better policy out there for you.
  • Multi policy discount: This one’s just what it says on the tin - if you have more than one policy with the same insurer, you can often snag a discount on your car insurance. This includes other car insurance policies, home insurance and life insurance policies.
  • Driver restriction discounts: Another way to snag a discount on some policies is by setting restrictions for yourself. If you agree that only certain people will be driving your car, you’ll only drive a certain amount of kilometres in the year or only drivers over a particular age will be behind the wheel, you may be able to reduce your premium. While these restrictions can be handy ways to save money, keep in mind that if you break them and have an accident, your claim can be denied

What information do I need to get a car insurance quote in NSW?

Although different insurers will ask slightly different questions when providing a quote, it is generally a good idea to have the following information handy:

  • Your personal details: This includes your name, date of birth and address. You may also be asked to give your gender, occupation and sometimes any previous addresses.

  • Information about your car: Having your car registration number at hand is a must, although, you may also be asked for information about what safety features your vehicle has.

  • Your driving history: Depending on the insurer, you will generally be asked to provide details of any car incidents or tickets you may have received in the past few years.

  • Licence numbers: Insurers will usually ask for your licence number and the licence numbers of anyone else who will be driving your car.

You may also be asked to provide an odometer reading, especially if you are applying for a pay-as-you-drive car insurance policy.

More NSW car insurance FAQs

What is the ‘excess’?

In a nutshell, the excess is the amount of money you’ll have to pay upfront if you make a claim on your insurance policy. Most of the time, you’ll have the chance to adjust your excess to a higher or lower amount.

Why would you do that? Well, the higher your excess the lower your premium will be and vice versa. So it’s a handy way to help you manage the upfront cost of your insurance. But remember, if you opt for a high excess you’ll have to come up with a larger chunk of cash after a claim than you would with a low excess.

Should I choose market value or agreed value?

This depends on your needs. First, let’s go over what agreed and market value actually mean.

  • Market value = the amount your car would be worth on the market if you sold it now
  • Agreed value = a dollar figure value for your car that you and your insurer have agreed on when you buy your policy

If your car is written off in an accident, whether you’ve picked agreed or market value will determine how much your insurer will pay you.

You might pick an agreed value policy for a new car, since they depreciate rapidly and you’ll want to buy another new one to replace it if it’s damaged. It’s also a good idea to go with agreed value if you’ve bought your car using a car loan - the last thing you need is to total your car and still have to repay a car loan, without a hefty insurance payout to back you up.

When do I need to pay my premium?

There are generally two options: you can pay your yearly premium upfront, or some insurers give you the option of paying in monthly installments.

If you choose to pay monthly, then keep in mind some insurers charge extra for this convenience, but others don’t. If you want to pay monthly in order to help you with budgeting, it’s a good idea to search for a policy that doesn’t charge extra for it!

How does a No Claims Bonus work?

A no claims bonus is just what it sounds like really - a discount on car insurance premiums for drivers with no history of making claims on their policy and a clean driving record.

There are different tiers of discounts, depending on how many years you’ve maintained your no claims streak, so the longer you avoid claiming, the more you’ll save. Discounts can be as high as 70% of your premium on some New South Wales policies!

But one thing to note is that maintaining a no claims discount shouldn’t hold you back from switching to a better insurance policy if you need to. In most cases, you can transfer your no claims period from one insurer to another (though keep in mind the same discount may not be on offer).

Does my insurance cover modifications to my car?

Most car insurance policies don’t cover car modifications like spoilers or a new stereo system as standard, but you can usually add cover for them. Keep in mind though, this will add to your premium.

It’s important to make your insurer aware of any modifications you make, either before or after you buy a policy, because if you don’t and you have an accident, undeclared modifications might mean your policy is void.

Can I add optional extras to my cover?

Car insurance policies are all different - there’s a policy to match every driver. When you choose a policy, there’ll be a list of benefits that are automatically included in cover. You may also have the option to add extra cover for certain things, to tailor your policy to your needs. These can include:

  • Roadside assistance: If you like the security of knowing a helping hand isn’t far away if your car breaks down, roadside assistance may be a priority in your car insurance search. If you often drive in outback NSW or remote areas, this might be something you’re interested in. In some top quality comprehensive policies, roadside assistance is an included benefit, but in many others, you need to add it as an optional extra.
  • Cover for a rental car: Just because your car is down for the count, doesn’t mean you don’t need a vehicle. That’s where rental cover comes in. Some policies don’t include any rental car cover, others include cover for the cost of a rental car after yours is stolen, but you may need to add on cover for after an accident.
  • Your choice of repairer: If you have a favourite mechanic who is the only person you’d trust with your wheels, this add-on might be for you.
  • Genuine manufacturer parts: Want to replace any damaged parts with the real deal? This added cover will make sure your insurance covers the cost of genuine parts if you have to make repairs.
  • Excess free windscreen cover: While nearly every car insurance policy will cover damage to your windscreen, you can choose to bump up your cover so that you don’t pay an excess on claims for broken or damaged windshields.

How do I make a claim on my car insurance?

Hopefully, you’ll never need to make a claim on your car insurance! But if you do, there are a few things you should know about what you need to do to give your claim the best chance of being successful.

First of all, it will make everything go a lot smoother if you have certain details ready to go when you fill in the claims form, including:
  • Your insurance policy details
  • The other driver’s insurance, licence and contact details
  • Any witness statements, plus contact details for any witnesses if possible
  • The date, time and location of the accident
  • Photo evidence of the damage or road conditions
  • A police report (if applicable)

When it comes time to actually submit the claim, doing so online is usually the easiest way. Some insurers even have an app for you to submit claims through! Most also offer a claims service over the phone, if you prefer to speak to a person before claiming.


Picture of Kelly Emmerton
Olivia Gee
Money writer

As one of Mozo’s money writers, Olivia shares her research and insights across banking,  insurance and property to help readers save. She loves getting stuck into a story, unveiling all the facts, breaking down stats and drawing on personal experiences. 

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Overall 10/10
In depth explanation of my policy.

As I am not very good at explaining what sort of cover I wanted the person I spoke to deserves a medal for the patience he showed me. I saved money and I am covered for what I need. Also I have been receiving a percentage of my premiums for the last few months because of the virus.

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As I am not very good at explaining what sort of cover I wanted the person I spoke to deserves a medal for the patience he showed me. I saved money and I am covered for what I need. Also I have been receiving a percentage of my premiums for the last few months because of the virus.

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Overall 9/10
Overall great service.

They are very good value for money. However when I had a claim the claim manager did try push me to see someone really far from my house. I tried to tell them it was too far and they did not care. Once I explained it was going to be a 2 hour drive from my house and I would rather pick my own garage they agreed although warned me it may take a bit longer.

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They are very good value for money. However when I had a claim the claim manager did try push me to see someone really far from my house. I tried to tell them it was too far and they did not care. Once I explained it was going to be a 2 hour drive from my house and I would rather pick my own garage they agreed although warned me it may take a bit longer.

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Get a quote from APIA. You cant go wrong.

Four years ago I sought a quote from APIA for comprehensive insurance on my car. Their quote came in about 7% less than any of the other quotes (5) that I received. I took out the policy with them and consequently had a claim for a door of the car being damaged in a car park. This claim was handled very promptly and repairs were carried out less than 7 days later. No cost to me (no excess) and no effect on my no claim bonus. A far better outcome than I expected. I wholeheartedly recommend APIA as the best Insurance Company that I have ever dealt with.

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Four years ago I sought a quote from APIA for comprehensive insurance on my car. Their quote came in about 7% less than any of the other quotes (5) that I received. I took out the policy with them and consequently had a claim for a door of the car being damaged in a car park. This claim was handled very promptly and repairs were carried out less than 7 days later. No cost to me (no excess) and no effect on my no claim bonus. A far better outcome than I expected. I wholeheartedly recommend APIA as the best Insurance Company that I have ever dealt with.

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