
Mozo people's choice awards won:
Find out more about Mozo’s Car Insurance Awards.Comprehensive Car Insurance
Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$400 - $2,500
-
Agreed or market value
-
Agreed or Market
Available discounts
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$400 - $2,500
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Yes
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
Yes - within 2 years and a listed driver is the first registered owner
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
- Personal property cover
-
Up to $750 total or $150 per item if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Reasonable cost
- Trailer or caravan cover
-
Up to $1,500.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $1,000 combined with emergency options
- Emergency options
-
Towing costs. Up to $1,000 travel, accommodation and emergency repair costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Up to 14 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
Yes
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.
Read reviews and learn more about Youi car insurance
Go to site
Comprehensive Car Insurance
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$500 - $2,300
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount $75 off new policies
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$500 - $2,300
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car was first registered less than 3 years ago, where reasonably available.
- New car if written off
-
Yes - within 3 years and 60,000 km of original registration
- Windscreen cover
-
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
- Personal property cover
-
Up to $1,000 if damaged.
- Replacement key cover
-
Yes if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
-
Up to $1,000
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing cost. Up to $1,000 for the reasonable cost of essential accommodation and transport, if the incident occurs more than 100km from home. $100 travel expenses.
- Rental car after theft
-
Yes - Up to 14 days.
- Rental car after accident
-
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$30,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$700 for listed drivers under 25, $2,000 for unlisted drivers under 25.
- Rideshare cover
-
Yes
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$75 off new policies
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
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.
Read reviews and learn more about QBE car insurance
Go to site

Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2024
- Exceptional Value Young Driver Insurance - 2024
- Exceptional Value Senior Driver Insurance - 2024
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
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$550 - $1,900 (varies by state)
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount 15% off the first year's premium for new policies purchased online. T&C's apply.
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$550 - $1,900 (varies by state)
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
- Personal property cover
-
Personal effects cover in the event of a collision, theft or forced entry (up to $500)
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Child seat or capsule cover in the event of a collision, theft or forced entry (up to $500)
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Automatic inclusion of up to $1,000 for emergency transport and accommodation (max $200 per day).
- Rental car after theft
-
Yes - Up to 14 days, max $1,000 total.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
$5,000 within 12 months of accident.
- Young driver excess imposed
-
$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
15% off the first year's premium for new policies purchased online. T&C's apply.
- Multi-policy discount
-
-
- No claim discount
-
Yes
- Low km discount
-
No
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.
Read reviews and learn more about Budget Direct car insurance
Go to site

Mozo experts choice awards won:
- Exceptional Value Car Insurance - 2024
- Exceptional Value Young Driver Insurance - 2024
Comprehensive Car Insurance
ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).
-
Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$800 flat excess fee
-
Agreed or market value
-
Agreed
Available discounts
- Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
- Monthly premiums available
-
Yes
- Choice of repairer
-
No
- Choice of excess
-
$800 flat excess fee
- Agreed or market value
-
Agreed
- Discounts available
-
Get 10% off the base premium for the first 2 consecutive monthly policies and up to a 15% potential monthly discount from your 3rd month for being a safer driver. Minimum premiums may apply. T&Cs apply.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car is under 3 years old.
- New car if written off
-
Yes - within 15,000km of original registration
- Windscreen cover
-
Yes - one claim can be made per Insurance Period, with $0 windscreen excess
- Personal property cover
-
No
- Replacement key cover
-
Up to $1,000 if stolen
- Baby capsule or child seat cover
-
Up to $1,000
- Trailer or caravan cover
-
Up to $1,000 for trailer only.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable costs. Up to $500 accommodation and travel cost if greater than 200km from home
- Rental car after theft
-
Yes - Up to 21 days, max $80 per day after a covered event
- Rental car after accident
-
Yes - Up to 21 days, max $80 per day after a covered event
- Rental car liability
-
No
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
No additional excess for young drivers. $3,000 for unlisted drivers
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
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.
Read reviews and learn more about ROLLiN' car insurance
Go to site-
Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$695 - $2,245
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount $50 off the first year's premium
- Discount on Home and Contents Insurance if held
- Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$695 - $2,245
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Under 25s can get 10% discount by completing AAMI Skilled Driver Course.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce windscreen excess to $0 for an additional premium.
- Personal property cover
-
Up to $1,000 if damaged or stolen, combined with emergency repairs and options.
- Replacement key cover
-
No
- Baby capsule or child seat cover
-
Up to $500 per item.
- Trailer or caravan cover
-
Up to $1,000 for trailer only
- Modifications
-
Automatically covered
- Emergency repairs
-
Up to $1,000 combined with personal property and emergency options.
- Emergency options
-
Reasonable towing costs. Up to $1,000 accommodation costs if greater than 100 km from home (combined with personal property and emergency repairs). $250 for travel cost per incident.
- Rental car after theft
-
Yes - Up to 21 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day.
- Rental car liability
-
Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$400 for listed drivers under 25, $1,400 for unlisted drivers under 25, $400 for listed inexperienced drivers over 25, $1,400 for unlisted inexperienced drivers over 25, $400 for learner drivers.
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$50 off the first year's premium
- Multi-policy discount
-
Discount on Home and Contents Insurance if held
- No claim discount
-
Safe Driver Rewards discount is protected if no more than 1 claim is made per renewal period
- Low km discount
-
Yes
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.
Read reviews and learn more about AAMI car insurance
Comprehensive Cover
-
Monthly premiums
-
Yes
-
Choice of repairer
-
Yes
-
Choice of excess
-
$200 - $2,000
-
Agreed or market value
-
Agreed
Available discounts
- No claim discount
- Safe driver discount for eligible drivers
- Monthly premiums available
-
Yes
- Choice of repairer
-
Yes
- Choice of excess
-
$200 - $2,000
- Agreed or market value
-
Agreed
- Discounts available
-
Safe driver discount for eligible drivers
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen replacement claim and first two repairs each year to $0 for an additional premium.
- Personal property cover
-
Up to $500 if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Up to $500
- Trailer or caravan cover
-
No
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing costs and up to $500 in travel costs. Up to $500 in accommodation costs if greater than 100km from home.
- Rental car after theft
-
Yes - until claim is paid out. If no rental car is available, travel allowance of max $50 per day is paid.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Until car is repaired, or claim is paid out. If no rental car is available, travel allowance of max $50 per day is paid.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle. $2,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$600 for listed drivers under 25, $1,800 for unlisted drivers under 25.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
Protection of maximum no claim discount for 1 claim per period can be purchased with extra premium.
- Low km discount
-
No
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.
Read reviews and learn more about Allianz car insurance
Comprehensive Plus Car Insurance
-
Monthly premiums
-
Not disclosed
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
Not disclosed
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Monthly premiums available
-
Not disclosed
- Choice of repairer
-
Optional Extra
- Choice of excess
-
Not disclosed
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car is under 3 years old
- New car if written off
-
Yes - within 3 years of original registration
- Windscreen cover
-
Yes - $0 windscreen excess
- Personal property cover
-
Up to $1,000 if damaged or stolen.
- Replacement key cover
-
Up to $2,000 if stolen.
- Baby capsule or child seat cover
-
Replacement cost
- Trailer or caravan cover
-
Up to $1,500 for trailer or caravan excluding contents.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $1,000
- Emergency options
-
Reasonable towing costs. Up to $1,500 for travel and accommodation costs if greater than 100 km from home.
- Rental car after theft
-
Yes - Unlimited days, max $100 per day
- Rental car after accident
-
Not at fault - Unlimited days, max $100 per day. At fault - No.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle. $3,000 contribution towards excess or security bond when using a hire car after an event.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
Not disclosed
- Rideshare cover
-
Optional Extra
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
Not disclosed
- Low km discount
-
No
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.
Read reviews and learn more about ANZ car insurance
Comprehensive Car Insurance
-
Monthly premiums
-
Yes
-
Choice of repairer
-
No
-
Choice of excess
-
$650 - $1,645
-
Agreed or market value
-
Agreed or Market
Available discounts
- No claim discount
- Online discount 10% off first year's premium
- Multi policy discount of 10% off each new eligible policy with Apia.
- Customers who drive less than 20,000km per year can save up to 23%.
- Monthly premiums available
-
Yes
- Choice of repairer
-
No
- Choice of excess
-
$650 - $1,645
- Agreed or market value
-
Agreed or Market
- Discounts available
-
Customers who drive less than 20,000km per year can save up to 23%.
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Extra
- Genuine parts
-
No
- New car if written off
-
Yes - within 2 years of original registration. New car after theft if less than 10 years old up to $40,000 limit
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Personal property cover
-
Up to $1,500 if damaged or stolen, limit combined with emergency repairs and emergency accommodation.
- Replacement key cover
-
No
- Baby capsule or child seat cover
-
Up to $750
- Trailer or caravan cover
-
Up to $2,000 for trailer only
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $1,500 combined with emergency accommodation and lose/damage to personal property cover
- Emergency options
-
Cost of one tow. Up to $1,500 accommodation costs if greater than 100km from home combined with emergency repairs. Up to $500 for travel costs.
- Rental car after theft
-
Yes - Up to 21 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Unlimited days, max $90 per day.
- Rental car liability
-
Yes - legal liability cover, accidental loss and damage when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
$5,000 within 12 months of accident.
- Young driver excess imposed
-
$1,500 for drivers under 25
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
10% off first year's premium
- Multi-policy discount
-
Multi policy discount of 10% off each new eligible policy with Apia.
- No claim discount
-
Maximum no claim discount is protected for life against claims after 3 years.
- Low km discount
-
Yes
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.
Read reviews and learn more about Apia car insurance
Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
Optional Extra
-
Choice of excess
-
$500 - $2,200
-
Agreed or market value
-
Agreed or Market
Available discounts
- Online discount $75 off first year's premium
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
Optional Extra
- Choice of excess
-
$500 - $2,200
- Agreed or market value
-
Agreed or Market
- Discounts available
-
-
- States where offered
-
SA VIC TAS NSW ACT QLD WA
- Roadside assistance
-
No
- Genuine parts
-
Yes - If car was first registered less than 3 years ago when available
- New car if written off
-
Yes - within 3 years and 60,000 km of original registration
- Windscreen cover
-
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
- Personal property cover
-
Up to $1,000
- Replacement key cover
-
Yes if stolen.
- Baby capsule or child seat cover
-
Yes
- Trailer or caravan cover
-
Up to $1,000
- Modifications
-
Automatically covered.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing cost. Up to $1,000 for the reasonable cost of essential accommodation and transport, if the incident occurs more than 100km from home. $100 travel expenses.
- Rental car after theft
-
Yes - Up to 14 days.
- Rental car after accident
-
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
- Rental car liability
-
Yes - legal liability when using a substitute vehicle
- Legal liability cover
-
$30,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$600 for listed drivers under 25, $1,600 for unlisted drivers under 25.
- Rideshare cover
-
Yes
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
$75 off first year's premium
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
No
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.
Read reviews and learn more about Australia Post car insurance
Seniors Comprehensive Car Insurance
-
Monthly premiums
-
Yes costs extra
-
Choice of repairer
-
No
-
Choice of excess
-
$500 - $5,000
-
Agreed or market value
-
Agreed
Available discounts
- 5% for seniors card holders
- Monthly premiums available
-
Yes costs extra
- Choice of repairer
-
No
- Choice of excess
-
$500 - $5,000
- Agreed or market value
-
Agreed
- Discounts available
-
5% for seniors card holders
- States where offered
-
SA VIC NT TAS NSW ACT QLD WA
- Roadside assistance
-
Optional Service
- Genuine parts
-
Yes - If car is under manufacturers standard new car warranty period.
- New car if written off
-
Yes - within 2 years of original registration
- Windscreen cover
-
Yes - standard excess. Option to reduce excess for first windscreen claim each year to $0 for an additional premium.
- Personal property cover
-
Up to $500 if damaged or stolen.
- Replacement key cover
-
Up to $1,000 if stolen.
- Baby capsule or child seat cover
-
Up to $500
- Trailer or caravan cover
-
Up to $1,000.
- Modifications
-
Covered only if agreed in writing.
- Emergency repairs
-
Up to $500
- Emergency options
-
Reasonable towing costs. Up to $500 travel and accommodation costs if greater than 200 km from home.
- Rental car after theft
-
Yes - Up to 14 days, max $50 per day.
- Rental car after accident
-
Optional Extra - Up to 14 days, max $50 per day.
- Rental car liability
-
Yes - legal liability cover when using a substitute vehicle.
- Legal liability cover
-
$20,000,000
- Accidental death of driver
-
No
- Young driver excess imposed
-
$1,200 for listed drivers under 21, $800 for listed drivers aged 21 to 24, $2,000 for unlisted drivers under 21, $1,600 for unlisted drivers between 21 and 25, $800 for inexperienced drivers over 25, $800 for learner drivers.
- Rideshare cover
-
No
- Other restrictions
-
-
- Other benefits
-
-
- Online discount
-
n/a
- Multi-policy discount
-
-
- No claim discount
-
No
- Low km discount
-
Yes
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.
Read reviews and learn more about Australian Seniors car insurance
Your selected car insurance
Finding your perfect car insurance policy in South Australia
No matter how safe of a driver you are, life can be unpredictable. If you somehow find yourself in a sticky situation along the Lincoln Highway you’ll want to make sure you have adequate car insurance cover so you're not out of pocket when the repair bill comes in.
At Mozo, we make it easy to compare some of the top comprehensive car insurance policies in South Australia and their features with our car insurance comparison tool. But before you take on the first policy you see, here are a few of the need-to-knows before signing the dotted line.
What kind of insurance do you need to legally drive in South Australia?
In all states including SA, you'll need Compulsory Third Party (CTP) insurance to legally drive on the roads. It's often known as a 'greenslip' and comes in slightly different formats depending on which state or territory you register your car in.
Across Australia, the role of CTP is to cover the costs of injuries you might cause yourself or others while driving. However, in South Australia you will only be eligible for compensation if you’re not at fault or not entirely at fault. If you were responsible for the incident, you'll only be able to make a CTP claim if you sustain lifelong injuries.
CTP is offered by multiple South Australian insurance companies, and you'll pay for it when you register your vehicle. Remember: CTP doesn't cover any damages to your car or others.
What are the other levels of cover available in South Australia?
Once you start shopping around on your insurance, you’ll find that there are different types of policies and levels of cover available. Here’s an explanation on what they are and what they include:
- Comprehensive: Comprehensive car insurance provides the highest level of cover. Once you pay the excess on an insurable claim, your insurance provider will cover the cost of replacing or repairing your car as well as any damage you’ve caused to another person’s car or property. Be aware that different policies will include different benefits.
- Third party insurance: This is a basic cover option which only covers the other person’s car and/or property when you cause an accident. A third party policy won’t cover the cost of repairs to your own car – this is one of the biggest differences between comprehensive and third party insurance.
- Third party fire and theft: This provides additional coverage on top of your standard third party car insurance policy. As the name suggests, it covers repairs or losses in case your car is stolen or damaged by fire. Car owners who park in the street overnight or live in areas with higher crime rates might want to consider this level of cover.
How to make a car insurance claim in South Australia
If you’re involved in an accident and need to make a claim on your insurance, it’s a good idea to have the following details jotted down:
- The date, time and location of the incident
- The other driver’s details (including phone and licence number)
- Contacts or statements from any witnesses or other road-users involved
- Any photo evidence
- A police report (if applicable)
When it comes to starting the claims process, you can make a claim online or over the phone.
Remember: you’ll have to pay an excess to get the wheels rolling on your claim. Also be aware that if you have to make a car insurance claim, your future premiums could rise and your no claims bonus will probably take a hit.
What is covered by a South Australian car insurance policy?
Each car insurance policy you come across will have a slightly different range of benefits. Under a comprehensive car insurance policy, you’ll usually be covered for:
- Damage to another driver’s car when you are at fault in an accident
- Damage to your car in an accident
- Accidental damage
- Fire damage
- Theft and attempted theft of your car
- Vandalism and malicious damage to your car
- Emergency repairs
- Towing costs in an emergency
- Damage to your personal property in your car
Are there any optional extras I should get covered for in South Australia
When you take out a car insurance policy, you do have the option of adding on additional features. Every car and driver is different, so you should carefully consider which additional features may be necessary for you before adding them onto your policy at an additional cost. Some optional extras include:
- Excess-free windscreen cover (great if you live in rural SA and might need semi-regular windscreen repairs from driving on unsealed roads)
- Rental car after accident
- Modifications
- 24-hour roadside assistance
- No claims bonus protection (this is a veil of protection added onto your clean driving record, keeping it intact if you ever make a claim)
Car accidents and crime statistics in South Australia
Like all policies, your cover may be affected by where you live based on the levels of crime and road incidents.
This will be evaluated in the risk-assessment made by insurance companies when they determine the cost of your car insurance. So, it's important to understand the dangers related to driving in South Australia and recent statistics for vehicle-related crime.
Fatalities on South Australian roads
In 2022, South Australia Police recorded 71 fatalities on the state’s roads from 68 fatal crashes. These numbers were down from 99 fatalities the previous year. There were also less serious injuries on South Australian roads in 2022 (652) compared with 2021 (827).
In 2022, car drivers accounted for the highest proportion of these lost lives followed by motorcyclists. Speeding, not wearing a seatbelt and illegal blood alcohol levels continue to be the most common factors contributing to these fatalities.
Car thefts in South Australia
According to Budget Direct, South Australia and New South Wales were among the safest states from car theft in 2021.
However, data by RAA Car Insurance shows that the number of cars stolen in South Australia increased by 24 percent between April 2021 and April 2022. In addition, Adelaide Now found that 2900 cars were stolen in South Australia between 1 July 2022 and 31 March 2023.
In recent years, the most commonly stolen car models have been the Holden Commodore and Toyota Hilux.
If you are worried about your car being stolen, we advise that you insure your car for theft, fire and malicious damage. To help reduce the risk of theft, you might consider parking your car on your property or in a garage, as this can, theoretically, reduce the likelihood of theft or damage.
Popular car insurance topics and how-tos
Our expert guides will help you understand what you need to know about car insurance, from choosing the right level of cover to saving on premiums. See all
Latest car insurance news
Get the latest updates on car insurance trends, industry changes and new policy features from Mozo’s expert writers. See all
-
CAR INSURANCE
Rates are down, but are your insurance costs rising?
-
CAR INSURANCE
2024 Car Insurance in Australia: Trends and Predictions
-
CAR INSURANCE
We made three predictions in 2024 for where car insurance was headed - this is how we scored.
-
CAR INSURANCE
2025 car insurance trends and predictions
-
CAR INSURANCE
Car insurance shake up offers driver savings
-
CAR INSURANCE
Why is car insurance more expensive for men and younger drivers?
South Australia Car Insurance FAQs
Are there different kinds of car insurance around Australia?
Most car insurance companies operate Australia-wide, but you might go with a provider based in South Australia for more tailored cover or to take advantage of local community incentives and programs.
If you're looking to compare car insurance policies in a different state or territory, Mozo has the details on localised providers outside SA, including those in:
What generally isn't covered by South Australian car insurance?
Regardless of the policy you choose, there are a few things you can expect to be excluded from your car insurance cover. These are general exclusions that apply to most policies, and include:
- Depreciation of your car's value: The more you drive your car, the more it depreciates in value. As this is a normal and expected part of driving, it isn’t covered under your policy.
- Mechanical or structural faults: This applies if damage is caused without an accident – for example if your window gets stuck – you usually won’t be covered.
- Wear and tear: You will need to check policy, as each provider has a different definition but general wear and tear on a vehicle isn’t covered, as it’s simply part of owning a car.
What's the difference between 'market value' and 'agreed value' in South Australia?
Once you start your car insurance hunt, you’ll soon find two of the more common terms you’ll come across are ‘market value’ and ‘agreed value’.
In short, market value is what the value of your car would be if it were on the open market, while agreed value is the predetermined amount you agree to insure your car for.
The type you choose will depend on the quality of your car. For instance, if you’ve just bought a new car, you may opt for agreed value as your car will start to depreciate in value as soon as you start driving it, and if you were to have an accident, you’d probably want your insurance to cover the cost of replacing it with another brand new car. On the other hand, market value is often cheaper and is a likely choice for a driver with an older car.
What does car insurance cost in South Australia
Car insurance policies are priced based on the ‘risks’ of insuring you and drivers in your demographic. Some of the factors that help insurance companies determine how much your premium will cost include:
- Gender: Our research shows that men typically pay higher premiums than women.
- Age: In your twenties and got that youthful glow? Insurance companies hate that, as data shows those over the age of 25 generally pay higher premiums. Young drivers may also get stung with extra excesses when making a claim.
- Driving record: Your record is impacted by the number of years you’ve been driving, the number of accidents you’ve been in, speeding tickets and other driving offences. The better the record, the lower the premium.
- Driving habits: This involves when you drive. Driving during peak hours might result in more accidents than a weekend joyride and might bump up your premium. Using your vehicle for business is also a red flag.
- Parking habits: Where you live in South Australia and where you choose to park your car also makes a difference to the price of your policy. Parking your car on the street is a lot riskier than leaving it under lock and key in the garage.
- Type of car: While it’s standard to pay a pricier policy for an expensive car, you might be surprised to know this also includes: the size/weight of your car, how old your car is, the cost of repairs and replacement parts, and the likelihood of it being stolen.
Are there any car insurance discounts I can get in South Australia?
Yes, but you're going to have to do some searching! Here are some of the most common ways you can snag a discount on your car insurance policy in South Australia:
- Online applications: Have a laptop handy? Sweet, you could score up to a 20% discount on your first year's premium just for applying online.
- Staying loyal: Loyalty goes a long way in the insurance game and if you’ve worked hard at your relationship, you could be rewarded with a discount.
- No claim bonus: This is a discount most insurance companies offers. If you’ve maintained a spotless record in terms of your driving history, your provider may give you a discount on your premium.
How do I cut the cost of my South Australian car insurance?
You don’t have to pay through the nose for quality cover. Here are a few ways to bring down the cost of your comprehensive car insurance policy:
- Own an old car: While we’d all love to be cruising down the highway with a flashy set of wheels, insurance quotes are generally lower on second-hand cars.
- Go online: Depending on your provider, you could save up to 20% on your policy just for applying online.
- Bundle it up: You could shave off more premium dollars by bundling your car insurance with your home and contents insurance.
- Be safe: Who doesn’t like to be rewarded for good behaviour? Depending on the provider, you could receive a discount of up to 70% on your South Australian car insurance policy if you have a no claims bonus.
- Beef up security: Adding an alarm to your car can also bring down the price of your policy as it helps to reduce the risk of vandalism and theft.
Brands we compare
We compare products from the following well-known brands and many more... See all
Car insurance customer reviews
Everyday Insurance from Woolworths Car Insurance
Reliable with a great bonus car insurer
Insured my car with Everyday Insurance as they offered great premiums with the same coverage and excess as more well known insurers. There is an added bonus of 10% off my Woolworths shopping each month which helps financially with the high cost of living. Easy to sign up and online customer live chat is effective. They also sms when stormy weather is in or near my address to remind me to have myself and vehicle somewhere safe, a reassurance when you are elderly.
Read full reviewInsured my car with Everyday Insurance as they offered great premiums with the same coverage and excess as more well known insurers. There is an added bonus of 10% off my Woolworths shopping each month which helps financially with the high cost of living. Easy to sign up and online customer live chat is effective. They also sms when stormy weather is in or near my address to remind me to have myself and vehicle somewhere safe, a reassurance when you are elderly.
Policy coverage8/10Customer service6/10Trust8/10RAC Comprehensive Car Insurance
Do not follow cancellation policy
Took multiple payments after insurance policy had been cancelled
Read full reviewTook multiple payments after insurance policy had been cancelled
Value for money1/10Policy coverage1/10Customer service1/10Claims handling1/10Trust1/10RAA Comprehensive Car Insurance
Fantastic value for money
RAA comprehensive car insurance is great value for money. Also road side assistance is included. RAA has a very good rewards program.
Read full reviewRAA comprehensive car insurance is great value for money. Also road side assistance is included. RAA has a very good rewards program.
Value for money8/10Policy coverage7/10Customer service9/10Claims handling6/10Trust8/10 -