car insurances

Compare Car Insurance South Australia

Living in South Australia and in need of a better value car insurance policy? Check out some of the top SA car insurance policies below to start comparing the latest deals and discounts available for drivers living in the Festival state.

If you're looking for information on choosing the best car insurance policy or what features to look for, our resources section below has key info and guides to help you. 

Fact Checked

Car insurance comparisons on Mozo - last updated 28 September 2021

Search promoted car insurance below. Advertiser disclosure. Important information on terms, conditions and sub-limits.
  • Gold Comprehensive Car Insurance

    Get award winning Car Insurance. Save 15% ^ on your first year’s premium when you purchase a new policy online. Budget Direct offers tailor-made cover, new-for-old replacement, 24/7 claims, a highly-rated claims service, and get a hire car following a theft.

    Monthly premiums
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    Yes Costs Extra
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    Optional Extra
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    $500 - $1,850
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
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  • Comprehensive Car Insurance

    Huddle Car Insurance, Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

    Monthly premiums
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    No
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    $500 - $5,000
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
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  • Comprehensive Car Insurance

    Stella have created a more intuitive experience and offer a product that’s been designed with women in mind; offering premium benefits, and optional extras and rewards for being a safe driver. Stella are back by QBE. Get a quick quote online in 40 seconds and insured in 4 minutes. Save 10% when you pay annually.

    Monthly premiums
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    Yes Costs Extra
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    No
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    $800 - $2,000
    Agreed or market value
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    Agreed

    Available discounts

    • No Claim Discount
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  • Comprehensive Car Insurance

    Australia Post Comprehensive Car Insurance offers a broad range of coverage and includes cover for anyone who drives your vehicle. It also covers new car replacement if your recently purchased brand new car is written off within the first three years (provided it has travelled less than 60,000km).

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

    Available discounts

    • Online Discount $75
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  • Comprehensive Car Insurance

    Making sure your car insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save. Exceptional Value Car Insurance award winner in 2020.^

    Monthly premiums
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    Yes Costs Extra
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    Optional Extra
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    $400 - $2,500
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
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  • Comprehensive Car Insurance Policy

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

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

    Available discounts

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    • Comprehensive Car Insurance

      Easier, better, smarter car insurance. Say g’day to Poncho. They've taken the complicated out of car insurance and created a new route that's simple, u-turn free and keeps you in the driver’s seat. No cancellation fees, 24/7 online claims service and a policy that works just like a monthly subscription.

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      Yes
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      No
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      $800 Flat Excess Fee
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      Agreed

      Available discounts

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      • Price Saver Comprehensive

        Save 15% on your first year’s premium when you buy online with Virgin Car Insurance.

        Monthly premiums
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        Yes Costs Extra
        Choice of repairer
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        Optional Extra
        Choice of excess
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        $500 - $1,850
        Agreed or market value
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        Agreed Or Market

        Available discounts

        • No Claim Discount
        • Online Discount 15% Discount On First Year’s Premium
        • Restricted Drivers Discount Available
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      • Black Comprehensive Car Insurance

        Huddle Black Comprehensive Car Insurance with extra benefits. Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

        Monthly premiums
        Calendar icon
        Yes
        Choice of repairer
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        No
        Choice of excess
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        $500 - $5,000
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
        Compare
        Go to site
        Details
      • Comprehensive Car Insurance

        Take advantage of Woolworth's Price Beat on any comparable Comprehensive renewal notice if you're over 25. Buy online and you could save up to 15% on your premium. Features Drive Less, Pay Less to reduce premiums. Get a quote today. Winner in Exceptional Value Car Insurance Award 2020.

        Monthly premiums
        Calendar icon
        Yes Costs Extra
        Choice of repairer
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        No
        Choice of excess
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        $500 - $5,000
        Agreed or market value
        Car 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.
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      ^See information about the Mozo Experts Choice Car insurance Awards

      *Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

      Car insurance resources

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

      FAQ

      Finding your perfect car insurance policy in South Australia

      No matter how much of a safe driver you consider yourself to be, 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 others or yourself while driving. In South Australia this is the case, however you will only be eligible for compensation if you were not at fault or not entirely at fault. If your actions 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 SA 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 SA?

      Once you start shopping around on your insurance, you’ll find that there are different types of policies and levels of cover available:

      • Comprehensive:  Comprehensive car insurance provides the highest level of cover, with policies including many different circumstances and benefits. 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.
      • 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 repair 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 damaged by fire or stolen. Car owners who park in the street overnight or live in areas with higher crime rates might consider this.

      How to make a car insurance claim in SA

      So, you've been 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, the easiest option is to lodge and keep track of your claim online. If you prefer a guiding human presence, you also have the option of picking up the phone and contacting your provider.  Some providers even have a 24/7 claims service. 

      Remember: you’ll have to pay an excess to get the wheels rolling on your claim. Also, by making a car insurance claim, your future premiums could rise, and your hard-earned 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 – be it an SA-specific brand or otherwise – may have a slightly different range of benefits it covers. 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 SA?

      A policy can’t cover everything, and you do have the option of adding on additional features to your policy. Every car and driver is different, so you should carefully consider these and how they apply to your driving habits 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 assist
      • 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) 

      How might SA car accidents and crime impact my car insurance?

      Your South Australian cover, like all policies, can be affected by where you live based on levels of crime and road incidents. This is part of the risk-assessment made by insurance companies when they determine your car insurance cost. So, it's important to understand the dangers related to driving in SA and statistics for vehicle-related crime.

      Fatalities on SA roads

      In 2020, the South Australia Police force recorded 95 fatalities on the state's roads, 19 fewer deaths than the previous year.* Along with a reduced of serious injuries caused by car crashes (down from 833 in 2019 to 695 in 2020), this shows a 1% decline on the average number of SA road deaths over the previous 5 years.

      People driving cars accounted for the highest proportion of these lost lives followed by motorcyclists. Speed was a contributing factor in 38% of fatalities, 29% of people who died on SA roads weren't wearing a seatbelt, and illegal blood alcohol levels and drug consumption was found in 20% and 22% of cases respectively.

      Car thefts in SA

      According to the National Motor Vehicle Theft Reduction Council, there were 3,198 motor vehicle thefts in South Australia in the calendar year of 2019/2020, down from 3,607 thefts in the previous reporting  period. 

      This accounted for 6.1% of car theft across the country, with Salisbury, Playford and 

      Port Adelaide Enfield taking out the top three theft positions despite each city seeing more than a 10% drop on the previous year.

      If you're considering living in these cities or areas with other types of higher crime, insuring your car for theft, fire and malicious damage is advisable. This is generally covered in a comprehensive car insurance policy. You might also consider parking your car on your property or in a garage, as this can, theoretically, reduce the likelihood of theft or damage.

      External sources

      *  South Australia Police (2020), 'Traffic statistics: Yearly comparisons' - accessed 13 Jan 2021

      ** National Motor Vehicle Theft Reduction Council (Sep 2020), 'National context' - accessed 13 Jan 2021

      ^ National Motor Vehicle Theft Reduction Council (Sep 2020), 'Where were they stolen?' - accessed 13 Jan 2021

      SA 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:

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

      You don't need specific car insurance for certain car brands, but there could be policies or different levels of insurance which may be better suit to you and your wheels.

      So you can better understand the insurance costs associated with some popular cars, here are some of the annual premiums across various models, as well as insurance trends around:

      How do I find the best car insurance?

      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.

      What generally isn’t covered by SA 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 – and 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 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 car insurance discounts I can get in SA?

      Of course! But you’re going to have to do some searching. We’ve rounded up some of the typical ways to 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 SA 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.  
      • Beef up security: Adding an alarm to your car can also bring down the price of your policy, as it reduces the risk of vandalism and theft.
      • Control your excess: Giving yourself the option to choose your excess can help reduce the amount you’ll fork out in an emergency. If you choose a higher excess, your premium will drop. However, if you ever do make a claim, you’ll be expected to cover more of the costs before the insurance kicks in.

      What do I do if my car is deemed a ‘write-off’ and is registered in South Australia?

      If you are involved in an accident and your car is deemed a write-off, comprehensive car insurance comes in handy. When you make a claim, your provider will either pay you the agreed value amount or pay for the purchase of a new car at market value, minus the excess.

      Picture of Olivia Gee
      Olivia Gee
      Money writer

      As a finance journalist at Mozo, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. Now she is Mozo’s resident car insurance enthusiast, and is certified (ASIC RG146 Tier 2) to provide general insurance advice. She also edits content for the Mozo Experts Choice Awards, and creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.

      Car Insurance Reviews

      ING Car Insurance
      Overall 7/10
      Overall good policy

      The main reason that I decided to be insured through ING was because that's who I bank with. It's easy to see all my accounts and policies in the one app. That being said the ING app has been performing poorly for some time now. The only thing that I would like to change about the policy is the windshield excess, with my previous insurer there was no fee to have your windshield replaces as long as it wasn't more than once per year.

      Read full review

      The main reason that I decided to be insured through ING was because that's who I bank with. It's easy to see all my accounts and policies in the one app. That being said the ING app has been performing poorly for some time now. The only thing that I would like to change about the policy is the windshield excess, with my previous insurer there was no fee to have your windshield replaces as long as it wasn't more than once per year.

      Value for money
      7/10
      Policy coverage
      6/10
      Customer service
      7/10
      Trust
      10/10
      Less
      Jesse anne, South Australia, reviewed about 15 hours ago
      Suncorp Insurance Car Insurance
      Overall 7/10
      Good all round insurer

      I like Suncorp because they have discounts for multiple policies. Their range of policies suits me and the prices are reasonable compared to providers out there that I've looked at. Have only had to make a couple of claims (less than $5k each) and the process was pretty straightforward.

      Read full review

      I like Suncorp because they have discounts for multiple policies. Their range of policies suits me and the prices are reasonable compared to providers out there that I've looked at. Have only had to make a couple of claims (less than $5k each) and the process was pretty straightforward.

      Value for money
      8/10
      Policy coverage
      7/10
      Claims handling
      8/10
      Trust
      9/10
      Less
      Hugh, Victoria, reviewed about 15 hours ago
      Allianz Car Insurance
      Overall 10/10
      Very good for money. Needs better website

      They are quick affordable and reliable. Needs be be easier to get a quote though.

      Read full review

      They are quick affordable and reliable. Needs be be easier to get a quote though.

      Value for money
      10/10
      Policy coverage
      10/10
      Customer service
      10/10
      Claims handling
      10/10
      Trust
      10/10
      Less
      Zoe, Queensland, reviewed about 15 hours ago

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