Compare car insurance Queensland

If you’re looking for the best way to protect your car, and yourself, while driving on Queensland roads you’ve come to the right place. Here at Mozo, Queensland registered drivers will be able to compare a range of comprehensive car insurance policies to find the features, cover and insurance provider you need for the price you want.

We also have a range of car insurance guides and FAQs to help you select the best car insurance policy for your needs. 

Car insurance comparisons on Mozo - page last updated September 18, 2020

Search promoted car insurance below. Advertiser disclosure.

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    Monthly premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    Optional Extra
    Choice of excesscoins icon
    $500 - $1,850
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • No claim discount
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    Monthly premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    Optional Extra
    Choice of excesscoins icon
    $400 - $1,850 (varies by state)
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • No claim discount
      Compare
    Details
  • Comprehensive Car Insurance

    Stella are changing the tune on car insurance, offering car insurance made especially for women. Features include no claim reward, new car replacement, customise your policy and more. Enter your car rego and get a quick quote online.

    Monthly premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    No
    Choice of excesscoins icon
    $800 - $2,000
    Agreed or market valueCar coin icon
    Agreed

    Available discounts

    • No claim discount
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    Details
  • Price Saver Comprehensive

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    Monthly premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    Optional Extra
    Choice of excesscoins icon
    $500 - $1,850
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • No claim discount
    • Online discount up to 15%
    • Restricted Drivers Discount available
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    Details
  • Comprehensive Car Insurance

    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 premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    Optional Extra
    Choice of excesscoins icon
    $400 - $2,500
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • 20% discount on Contents Insurance if Youi Car Insurance also held
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    Details
  • 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. Temporary 30% reduction in premium to help ease COVID-19 pressure (T&Cs apply).

    Monthly premiumsCalendar icon
    Yes
    Choice of repairertools icon
    No
    Choice of excesscoins icon
    $800 flat excess fee
    Agreed or market valueCar coin icon
    Agreed

    Available discounts

    • Temporary 30% reduction in premium to help ease COVID-19 pressure.
      Compare
    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.

    Monthly premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    No
    Choice of excesscoins icon
    $500 - $2,000
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • Online discount 10%
    • 10% promotional discount
    • 5% discount if you exclude drivers under 25
    • Drive Less Pay Less option to reduce premiums for limited kilometres.
      Compare
    Details
  • Comprehensive Car Insurance

    UbiCar provides low cost Comprehensive Car Insurance based on how YOU drive. Using technology to provide you the best pricing, based on your driving behaviour, they pass the savings directly to you. Online quote takes less than 3 minutes.

    Monthly premiumsCalendar icon
    Yes
    Choice of repairertools icon
    Yes
    Choice of excesscoins icon
    $600 - $1600 (varies by state)
    Agreed or market valueCar coin icon
    Agreed

    Available discounts

    • Discounts based on how you drive, collected through app-connected telemetry.
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    Details
  • Comprehensive Car Insurance

    Join the 1,000’s of Australians already saving with Real Insurance. Real Insurance makes it easy to get the cover you’re after without compromising on quality. Buy online and save up to 10%.

    Monthly premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    No
    Choice of excesscoins icon
    $500 - $5,000
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • Online discount 5%
    • Additional 5% discount for people over 25.
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    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).

^See information about the Mozo Experts Choice Car insurance Awards

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.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Car insurance resources

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

Why compare car insurance policies with Mozo

At Mozo, we realise that not all car owners in Queensland are the same. After all, there’s a big difference between a single driver living in Brisbane who only uses their Toyota Corolla for trips to the shops on weekends or the occasional road trip, and a family of five living up in Townsville who are constantly driving their Mazda CX-5 around town between sports games and to visit relatives down the coast. That’s why our unique car insurance comparison tables make it easy for drivers in every situation to compare a diverse range of offers to find the deal that really suits them best.

Using the comparison tables you’ll be able to see the essentials of a policy in just a glance, including the level of excess on offer, any discounts available as well as other useful details from a host of providers. Plus you’ll be able to see just how long it will take to sign up online with the handy quote estimate feature. Need some more details on a policy? No worries. Just hit the ‘more info’ button to get a more comprehensive snapshot of the policy of your choice.

To get you started on your hunt for auto-cover in the Sunshine State, we’ve come up with a list of commonly asked questions 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 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.

Insurers offering CTP insurance in Queensland include: Allianz, QBE, RACQ and Suncorp.  While the price you pay will be dependant on the specific class of vehicle you own, if you’re interested in a rough estimate, the Queensland Motor Accident Insurance Commission has a handy CTP Premium calculator where you can plug in your details.  

Third Party

Besides CTP and Comprehensive insurance, 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 Fire and Theft insurance which will provide cover if your vehicle is stolen, or damaged by fire or an uninsured car.

Comprehensive

If you decide that you’d like some additional cover for your vehicle, or the convenience of extra features like roadside assistance or cover for a hire car after an accident, then comprehensive car insurance could be the right choice for you.

While you’re likely to pay more for a comprehensive car insurance policy than you would for Third Party insurance, the actual offerings between different comprehensive providers can be quite different - with everything from budget-friendly policies with the bare essentials, to more expensive offers with all the bells and whistles.

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.  

If you’re interested in expanding your car insurance knowledge even more, or would just like a longer explanation on a specific part of a policy (for example, the difference between market value and agreed value) then head over to the handy Mozo car insurance guides section. A great place to start for Queensland drivers is with our Ultimate 2018 Buyer’s Guide, which lays out the average cost of insurance in each state plus some useful ways for you to save.  

Is CTP insurance included with rego in QLD?

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 insurer.

Speaking of your insurer, 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?

There are a number of factors that go into calculating your own unique comprehensive insurance quote, so in that respect no two Queenslanders are alike. 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 insurers to calculate a final quote. Some of the most common factors that could influence what 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: Insurers 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 who catch public transport to work during the week and only use their cars of the weekend.

What is the difference between market value and agreed value?

If you choose to take out comprehensive car insurance, one of the first decisions you will have to make is between market value and agreed value. Here’s a quick rundown of these terms, in case you’ve never stumbled across them before:

  • Market value: As the name suggests, this is how much your car would go for on the open market. This method of valuing takes into account the current condition of your vehicle, including any depreciation, the age, make and model. So the older your car is, the less it will probably be valued at.

  • Agreed value: Unlike market value, agreed value is a fixed sum agreed on between you and your insurer. However, the agreed value will be reviewed every time your insurance renewal period rolls around and the older your car gets, the less your insurer will probably agree to value it for.

Check out our guide on market value vs agreed value, to learn more about the pros and cons of the two different valuation approaches.

What discounts are available to help me save?

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

  • Online Discount:To incentivise customers to sign up on their websites, many insurers 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, some insurers will give you 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? Well most insurers 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, insurers may give you 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 insurers who will provide incentives to drive them - including discounted premiums.   

FAQs about QLD car insurance

What different types of Third Party insurance are there?

There are two types of third party insurance, Third Party Property and Third Party Fire and Theft. In terms of hierarchy, Third Party Property insurance is the most basic level of optional car insurance you could go for. It is one step up from CTP insurance and one step down from Third Party Fire and Theft.

Both types will usually provide cover for damage you may do to someone else’s car, but neither will provide protection for your own set of wheels, should you be involved in a collision. Regardless of who is at fault.

Third Party Fire and Theft insurance is one step up from Third Party Property in that it also offers fire and theft protection for your car. When it comes to a no-fault accident, some insurers may provide cover for the other car involved, but this will be limited.


What is excess?

Simply put, your ‘excess’ is the amount you elect to contribute towards the cost of any claims you make. This is generally worked out in the process of signing up, which you’ll usually be able to alter to your desired figure (within a certain range), though bear in mind that the amount of excess you pay tends to correlate to your premium. The general rule is that the higher your excess, the lower the premium you’re likely to pay.  


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 - because guess what, 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 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?

Once you finish going through the process of getting a 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 installments. Just bear in mind that while paying via monthly installments may be an easier option, some insurers will charge you a slightly higher premium for that convenience.

When it comes to actually making the payment, most insurers 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?

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, because the last thing you need in that kind of situation is added stress and uncertainty.  

So first things first, while you’re still at the scene (assuming that you and anyone else involved doesn’t require medical assistance) it’s really 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 itself, and you’ll have two options to do this with most insurers: either online or, if you’d prefer, over the phone. You’ll need to keep those details you grabbed from the scene as well as your policy details in order to lodge a claim, but the process itself shouldn’t take too long.

Just bare 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 QLD?

If you are a learner driver and you know someone who is willing to let you drive their car, then you can and should be included on their insurance policy. Likewise, if you allow a learner driver to get behind the wheel of your car, then you should give your insurer a call to add them to your policy, otherwise you could be found liable if they have an accident.

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 insurer may also add on a young driver excess.

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

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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