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. 

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

Search promoted car insurance below. Advertiser disclosure.

  • 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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    $500 - $1,850
    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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    Details
  • Comprehensive Car Insurance

    Earn up 20,000 Qantas Points when you sign up for Qantas Car Insurance. Points awarded will be based on your premium. Get a quote to see how quickly the points add up. T&Cs apply.

    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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    $400 - $1,850 (varies By State)
    Agreed or market value
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    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 premiums
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    Yes Costs Extra
    Choice of repairer
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    No
    Choice of excess
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    $800 - $2,000
    Agreed or market value
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    Agreed

    Available discounts

    • No Claim Discount
      Compare
    Details
  • Price Saver Comprehensive

    Protect your journey with Virgin Car Insurance. Get 15% online discount on Comprehensive cover and receive a $100 e-Gift card* when you purchase a new eligible Virgin Car Insurance policy by 30 September, 2020 (T&C’s apply).

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

    Available discounts

    • No Claim Discount
    • Online Discount Up To 15%
    • Restricted Drivers Discount Available
      Compare
    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 premiums
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
    coins icon
    $400 - $2,500
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
      Compare
    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 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
    Car 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 premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $500 - $2,000
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • Online Discount 10%
    • 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 premiums
    Calendar icon
    Yes
    Choice of repairer
    tools icon
    Yes
    Choice of excess
    coins icon
    $600 - $1600 (varies By State)
    Agreed or market value
    Car coin icon
    Agreed

    Available discounts

    • Discounts Based On How You Drive, Collected Through App-connected Telemetry.
      Compare
    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 premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
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    No
    Choice of excess
    coins icon
    $500 - $5,000
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

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

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

^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.

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 insurers, 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 insurer 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.
Types of car insurance in South Australia

How to make a claim

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.

Other car insurance FAQs

What is covered by a South Australian car insurance policy?

Each car insurance policy you come across may have a slightly different range of benefits it covers, but 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 extras I can get cover for?

A policy can’t cover everything, and you do have the option of adding on additional features to your policy. Some of them 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)  

What isn’t covered?

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 this with your insurer 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’?

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.

How is the price of my car insurance policy determined?

Car insurance policies are priced based on the ‘risks’ of insuring you and drivers in your demographic. Some of the factors that help insurers determine how much your premium will cost include:

  • Sex: Our research shows that men typically pay higher premiums than women.
  • Age: In your twenties and got that youthful glow? Insurers 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 for insurers.
  • 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.

There’s got to be a few discounts, right?

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 with insurers and if you’ve worked hard at your relationship, you could be rewarded with a discount.
  • No claim bonus: This is a discount that nearly every insurer offers to customers. If you’ve maintained a spotless record in terms of your driving history, your provider may give you a discount on your premium.

What do I do if my car is deemed a ‘write-off’?

If you are involved in an accident and you car is deemed a write-off, comprehensive car insurance comes 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.

Got any tips to cut the cost of my 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 insurer, 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.
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. 

Car Insurance Reviews

Youi Car Insurance review
Overall 10/10
In depth explanation of my policy.

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

Read full review

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

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Leigh, South Australia reviewed about 10 hours ago
Budget Direct Comprehensive Car Insurance review
Overall 9/10
Overall great service.

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

Read full review

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

Value for money
8/10
Policy coverage
8/10
Customer service
10/10
Claims handling
8/10
Trust
8/10
Less
Marlee, Victoria reviewed about 10 hours ago
Apia Comprehensive Car Insurance review
Overall 9/10
Get a quote from APIA. You cant go wrong.

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

Read full review

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

Value for money
10/10
Policy coverage
9/10
Customer service
9/10
Claims handling
10/10
Trust
10/10
Less
Mick, Western Australia reviewed 5 days ago