Compare car insurance Queensland

Queensland drivers you’ve come to the right place. Here at Mozo, Queenslanders are able to compare a range of comprehensive car insurance policies to get the best deal. Start now!

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Car insurance comparisons on Mozo - last updated 19 June 2024

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
    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 Up To 15%
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  • Comprehensive Car Insurance

    ROLLiN’ put their customers in the driver’s seat by offering great value comprehensive car insurance with no additional excess for young drivers. Zero cancellation fees, 24/7 claims support via phone and a policy paid monthly. Plus, you can list multiple cars and drivers under the one policy, as long as they fit the underwriting criteria

    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
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    Agreed

    Available discounts

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    • 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.

      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

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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). Get $100 off your first year's premium when you buy Comprehensive Car Insurance online. T&Cs apply.

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
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        Optional Extra
        Choice of excess
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        $500 - $2,200
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Online Discount $100
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      • Comprehensive Car Insurance

        Covers damage caused in an accident, weather events, fire and theft, plus damage your car causes to other people’s vehicles and property. Choose to add on a number of optional extras. Score $115 off new online Comprehensive Car Insurance policies (T&Cs apply). $10 monthly kogan.com credit (T&Cs apply).

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        Yes, Optional Extra
        Choice of excess
        coins icon
        $500 - $2,300
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Online Discount $100 Off For New Online Insurance Policies.
        • $10 Monthly Kogan.com Credit For Every Month For Policy Is Active.
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        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.

      Why Compare Queensland Car Insurance Policies with Mozo?

      Not all car owners in Queensland are the same. After all, there’s a big difference between a single driver living in The Gold Coast who only uses their Mazda 3 for trips to the shops on weekends or the occasional road trip, and a family of five living up in Brisbane who are constantly driving their Subaru Outback around town between sports games and to visit relatives down the coast. That’s why our unique comprehensive car insurance comparison tables make it easy for drivers all over Queensland to compare a diverse range of offers to find the deal that really suits them best.

      To get you started on your hunt for auto-cover in the Sunshine State, we’re here to answer all the questions you might have about car insurance.

      What are the insurance options in Queensland?

      Like every other state in Australia, Queenslanders are required by law to have compulsory third party (CTP) insurance at a minimum, but if you’re seeking a bit more protection for your car (and yourself) you can also choose to opt for either third party or comprehensive car insurance on top. But what are the differences between these types of insurance, and how do you know that what you’re paying for is the right fit for your own situation?


      Compulsory Third Party (CTP)

      • CTP insurance (or a green slip) provides owners, drivers and passengers with cover for injury or death, caused by an insured vehicle. This is required by law for all car owners throughout Australia when you register your vehicle.

      Third Party

      • Drivers in Queensland can also elect to take out different types of third party insurance to cover their vehicles. Two common types are third party property insurance (also known as third party liability) which will cover you if you damage another car or other property in an accident, and third party property fire and theft insurance which will provide cover if your vehicle is stolen, or damaged by fire or an uninsured car.

      Comprehensive

      • This is the highest level of car insurance you can get. It provides you with extra cover as well as things like roadside assistance or cover for a hire car after an accident. Bear in mind that all comprehensive car insurance policies will offer different inclusions and levels of coverage, so you should choose a policy that suits you and your needs. For a more extensive list of what you should look out for when choosing comprehensive insurance, check out this useful guide on car insurance features.  

      Is CTP insurance included with rego in Queensland?

      Although you do need CTP insurance to actually register your car in Queensland, the good news is that it is included in your registration payment.

      In Queensland, CTP insurance is overseen by the Motor Accident Insurance Commission (MAIC for short). The MAIC runs on levies deducted from CTP insurance payments, after which the rest of the money is sent to your chosen insurance provider.

      Speaking of your insurance provider, unlike other states, you do actually have a choice when it comes to picking one for your CTP cover. Plus, if you are unhappy with yours, you can switch to another come registration renewal time!

      How is my insurance premium calculated in Queensland?

      There are a number of factors that go into calculating your own unique comprehensive insurance quote. A range of factors, including ones which may seem unimportant such as your marital status or the colour of your car, will be used by insurance companies to calculate a final quote. Some of the most common factors that could influence the premium you end up paying include:

      • Your age: It will hardly be a surprise to learn that the more experienced you are as a driver, the lower your premium is likely to be. That’s why younger drivers tend to fork out far more for their insurance.
      • Your gender: According to Mozo research, women pay less for their car insurance premiums than their male counterparts.
      • Where you live (and park): The suburb in which you live could well determine whether you pay a higher or lower premium, but just as influential is where you park. Drivers who leave their cars in secure lock ups or garages are likely to receive a lower quote than those who rely on street parking.
      • Your car: When it comes to your car itself, there are a number of competing factors which could impact your quote, including: the model, how old it is, the size, the security system, and of course how much it’s worth.  
      • Driving habits: Insurance providers are becoming more accommodating of car owners who use their cars differently, with many offering lower rates to those who only drive a certain number of kilometers each year, or catch public transport to work during the week and only use their cars on the weekend.

      What car insurance discounts are available to help me save in Queensland?

      While the easiest way for you to put more money back in your pocket is via a no claims bonus, insurance providers still offer plenty of other ways for divers to save on their comprehensive car insurance in Queensland, including:

      • Online Discount: To incentivise customers to sign up on their websites, many providers now offer an online policy discount in the region of 10%-15%. 
      • Loyalty bonus: If you’ve stuck with the same policy for a number of years, you may be offered a discount (usually starting at 5%) off your premium as a way of saying thanks. If they don’t, then you can always ask for one (check out our handy haggling guide if you’d like some help)!
      • Multi policy discount: Need cover for some of the other valuables in your life? Most insurance companies will give you a multi policy discount (think 5-10% off) for every additional policy you sign up for, including everything from pet to home insurance.
      • Restricted driver discount: Generally you’ll be able to lower your premium if you limit the number, or the age of the people who are insured to drive your car. For instance, you could see a discount if you restrict drivers of your car to being over the age of 25.
      • Energy efficient discount: Do you drive a low emissions or fuel efficient car? As environmentally friendly vehicles have increased in popularity, so have the number of insurance companies providing incentives to drive them - including discounted premiums.  

      How does car theft and accidents affect insurance premiums in Queensland?

      As explained above, there are a number of factors that are taken into account when calculating your premium, including where you live. So the rate of car theft and road accidents will most likely have some effect on what you pay.

      Car theft in Queensland

      According to a recent report from the National Motor Vehicle Theft Reduction Council* Queensland had the highest amount of individual car thefts in 2021, with over 11,000 cases.

      Insurance provider RACQ** issued a warning to drivers in 2022 after they found that car theft insurance claims increased by 20% across Queensland in that year. RACQ also found that the most stolen car in Queensland in 2020 was the Holden Commodore. In the 3 years since then, the Toyota LandCruiser (utility and wagon combined) was the most stolen car model followed by the Toyota Corolla, Toyota Hilux, Ford Ranger and Mazda 3.

      In terms of the areas with the most car theft, RACQ found that Toowoomba and Cairns areas had the biggest jump in car theft claims in 2022, with an increase of almost 90%.

      This means that if you live in any of these areas, your insurance premiums may increase, a. Although how much you pay will also depend on a range of risk factors, like whether you park your car in the street or in a garage.

      Car crashes in Queensland

      According to the Department of Transport and Main Roads^, there were 162 fatal crashes, equaling 170 total fatalities between 1 January to 13 August 2023 in Queensland. 

      To help keep drivers safe, the Queensland government website^^ gives some advice for driving on roads in the state. This includes driving on unsealed roads, i.e. gravel, sand and dirt. According to the government website, these types of surfaces can cause your tyres to lose traction with the road. For this reason it suggests decreasing speed and increasing the distance between you and the vehicle ahead. Weather conditions can also have an impact on driving on these types of roads.

      The Queensland government website also gives advice for beach driving, driving on country and remote roads, driving in close proximity to heavy vehicles and overtaking a road train. You can read more on what precautions to take when driving in these conditions on the Queensland government website.

      External Sources*National Motor Vehicle Theft Reduction Council (Dec 2021) ‘Theft Watch Report’ - accessed August 2023

      **RACQ Insurance (August 2022) “Alarming rise in Queensland car thefts” - accessed August 2023

      ^Department of Transport and Main Roads (August 2023) ‘Queensland Road Crash Weekly Report’ - accessed August 2023

      ^^Queensland Government (June 2023)  ‘Driving safely and to the road conditions’ - accessed August 2023

      ^^^Suncorp (November 2021) ‘The most common car insurance claims’ - accessed August 2023

      Picture of Olivia Gee
      Olivia Gee
      Money writer

      As a finance journalist, 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. She was Mozo’s resident car insurance enthusiast until Februrary 2022, and has (ASIC RG146 Tier 2) certification to provide general insurance advice. She edited content for the Mozo Experts Choice Awards, and was also the co-host of Mozo’s podcast, The Finance Burrito.

      FAQs about Queensland car insurance

      How can I qualify for a no claims bonus in Queensland?

      A no claims bonus (also known as a no claims discount) is essentially a reward for safe drivers in the form of a discount off their insurance premium. This is because the safer you are, the less insurance companies have to fork out in repairs! This tends to be based on a yearly scale, so if you avoid having to make a claim in your first year you’ll receive a slight discount which gradually increases year after year (generally up to a maximum of five years).

      Best of all, your no claims history will likely be transferable, so if you do decide to switch to a different Queensland car insurance provider you’ll probably be offered a similar discount (though it might not be exactly the same). 

      What options do I have for paying my car insurance premium in Queensland?

      Once you finish going through the process of getting a Queensland car insurance quote, the final figure you’ll be presented with is an annual premium, but depending on the provider you opt for, you may have the option of paying this all at once or in monthly instalments. Just bear in mind that while paying via monthly instalments may be an easier option,  you could be charged a slightly higher premium if you choose that option.

      When it comes to actually making the payment, most providers will accept payments from a debit card, credit card or bank account via direct debit.  

      What do I need to do if I need to make a claim in Queensland?

      While we hope that you’ll never need to lodge a claim, it is important to know the process you’ll need to go through in the event that you’re involved in an accident.

      Firstly while you’re still at the scene of an accident (assuming that no one requires medical assistance) it’s important to grab as many details as you can from any other drivers involved. These details include their names, addresses, phone numbers and licence details. It’s also a good idea to take photos of the scene if you’ve got your phone handy.

      The next step is to lodge the claim. There are usually two options for this, either only or over the phone. Bear in mind that if you do end up needing to pay excess, it will have to be upfront before any repair work begins, and if you do make a claim it’s likely to increase your premium in the future.

      How much does car insurance cost for learner drivers in Queensland?

      Having a learner driver added to your insurance will most likely up your premium. This extra cost will usually come in the form of a learner driver excess. Plus, if the learner driver is under 25, then your insurance company may also add on a young driver excess.

      Check out our guide to learner driver car insurance for more information

      Can I claim sun damage to my car in Queensland?

      Although you live in the Sunshine State, most car  insurance policies will not cover your vehicle for general wear and tear. If your car is left parked outside, the paint may become faded and peel. Your insurance company will most probably class this as general wear and tear and you probably will not be covered for it under your insurance policy.

      Is my car covered for flood damage in Queensland?

      Whether you can claim for flood water damage to your vehicle, will depend on if it is included in your car insurance policy. To be covered for flood damage, you will probably have to opt for a comprehensive policy, a. Although it should be noted that even then, you will have to double check that flood damage is covered.

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

      According to a report from Suncorp^^^, windscreen claims made up the largest percentage of car insurance claims in Queensland (25.28%) between 2017 and 2018.

      This was followed by at-fault collisions (21.96%), not-at-fault collisions (19.51%) and single car collisions (17.24%)

      Does car insurance vary in different states and territories?

      No matter where you live in Australia, compulsory third party insurance is a legal requirement. Exactly how it works and whether or not it is included in your registration will depend on which state or territory you live in. Mozo also has car insurance comparison pages for:

      How do I find the best car insurance in Queensland?

      If you’re looking to find Australia’s best car insurance, a great place to begin is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the Mozo Experts Choice Awards for Car Insurance. Our experts analysed the pricing and product data and determined these as the insurance policies offering the best range of features for competitive premiums.

      Not all customers are looking for the same thing when it comes to car insurance, so it’s important to bear this in mind when comparing policies.

      Car Insurance Reviews

      CBA Comprehensive Car Insurance
      Overall 2/10
      CBAI untrustworthy. Request excess when no fault .

      My vehicle was parked correctly in a parking station and someone drove into it and left his details and admitted liability. Completed CBAI claim online. Ticked box to state car was parked in parking station and hit by another car. Next question in online claim form " Who was driving your car at the time?" "Nobody. The car was parked." I provided the other driver's details online to CBAI. They sent me a claim number and their bank acct details for me to pay $1600 excess when I have just completed the online form stating someone hit my parked car , admitted liability and I provided his details. 3 emails disputing this with CBAI were ignored. I rang CBAI today and , yes, they had received my emails but, no, they weren't going to waive my excess as their policy documents stated they would, until I rang and agitated. CBAI was just trying it on. Totally untrustworthy company. Avoid.

      Read full review

      My vehicle was parked correctly in a parking station and someone drove into it and left his details and admitted liability. Completed CBAI claim online. Ticked box to state car was parked in parking station and hit by another car. Next question in online claim form " Who was driving your car at the time?" "Nobody. The car was parked." I provided the other driver's details online to CBAI. They sent me a claim number and their bank acct details for me to pay $1600 excess when I have just completed the online form stating someone hit my parked car , admitted liability and I provided his details. 3 emails disputing this with CBAI were ignored. I rang CBAI today and , yes, they had received my emails but, no, they weren't going to waive my excess as their policy documents stated they would, until I rang and agitated. CBAI was just trying it on. Totally untrustworthy company. Avoid.

      Value for money
      4/10
      Policy coverage
      2/10
      Customer service
      1/10
      Claims handling
      1/10
      Trust
      1/10
      Less
      Cameron, Queensland, reviewed about 1 month ago
      GIO Comprehensive Car Insurance
      Overall 9/10
      very good provider and great support

      what can I say they have helped with all my needs for my insurance and everything else. theres barley any wait time to get hold of someone when needed very helpful people and all in good provider for me and others cons- I don't really have any complaints for my end I'm very satisfide with them all.

      Read full review

      what can I say they have helped with all my needs for my insurance and everything else. theres barley any wait time to get hold of someone when needed very helpful people and all in good provider for me and others cons- I don't really have any complaints for my end I'm very satisfide with them all.

      Value for money
      10/10
      Policy coverage
      9/10
      Customer service
      10/10
      Claims handling
      8/10
      Trust
      10/10
      Less
      Zayn, New South Wales, reviewed about 1 month ago
      Bingle Car Insurance
      Overall 7/10
      Cheaper insurance

      Fairly cheap which is nice.

      Read full review

      Fairly cheap which is nice.

      Value for money
      8/10
      Customer service
      4/10
      Trust
      5/10
      Less
      Leon, New South Wales, reviewed about 1 month ago

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