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.

Fact Checked
car insurance

Car insurance comparisons on Mozo

Mozo may receive payment if you click to the website of one of the products below. Mozo does not compare the entire market, but you can see more products by clicking on the ‘See more’ button under the table.
Last updated 21 July 2024Advertiser disclosure
Important information on terms, conditions and sub-limits.
  • Comprehensive Car Insurance

    Youi like to get to know you from the very first conversation, which provides you with the opportunity to find comprehensive car insurance cover that could better suit your lifestyle and your needs. Because we’re all individuals, so we all use our cars differently from day-to-day. Youi is car insurance that’s a bit more you-shaped.

    Monthly premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $400 - $2,500
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

      Compare
      Details
    • Comprehensive Car Insurance

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

      Monthly premiums
      Calendar icon
      Yes
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $800 Flat Excess Fee
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

        Compare
        Details
      • 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
        Calendar icon
        Yes Costs Extra
        Choice of repairer
        tools icon
        Optional Extra
        Choice of excess
        coins icon
        $550 - $1,900 (varies By State)
        Agreed or market value
        Car coin icon
        Agreed Or Market

        Available discounts

        • No Claim Discount
        • Online Discount Up To 15%
        Compare
        Details
      • Comprehensive Car Insurance

        Australia Post Comprehensive Car Insurance offers a broad range of coverage and includes cover for anyone who drives your vehicle. It also covers new car replacement if your recently purchased brand new car is written off within the first three years (provided it has travelled less than 60,000km). Get $100 off your first year's premium when you buy Comprehensive Car Insurance online. T&Cs apply.

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

        Available discounts

        • Online Discount $75
        Compare
        Details
      • Seniors Car Insurance

        TrueCover is run for people, not profit. TrueCover provides comprehensive cover tailored to Australians over 50 years of age. Includes roadside assistance, ambulance cover, no maximum driver age, death/funeral benefit, new car replacement and an Australian-based contact centre. Insurance not offered in NT.

        Monthly premiums
        Calendar icon
        No
        Choice of repairer
        tools icon
        No
        Choice of excess
        coins icon
        $500 - $2,500 (varies By State)
        Agreed or market value
        Car coin icon
        Agreed

        Available discounts

        • Price Beat Offer Available For Eligible Drivers Over 50 Years Old Switching From A Comparable Policy With The Code ‘SENIORS’. T&Cs Apply.
        Compare
        Details
      • Comprehensive Car Insurance

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

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

        Available discounts

        • Online Discount $80 Off New Online Comprehensive Car Insurance Policies.
        • $10 Monthly Kogan.com Credit For Every Month For Policy Is Active.
        Compare
        Details

      ^See information about the Mozo Experts Choice Car insurance Awards

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

      Car insurance resources

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

      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.

      External sources* South Australia Police (2023), 'Traffic statistics: Yearly comparisons' - accessed August 2023

      **Budget Direct (2022) ‘Car Theft Survey & Statistics 2022’ - accessed August 2023

      ^ RAA Daily (2022), ‘Why are more cars being stolen in South Australia?’ - accessed August 2023

      ^^ Adelaide Now (2023) ‘Search our map: Police data shows Saa’s car theft hot spots’ - accessed August 2023

      Picture of Olivia Gee
      Olivia Gee
      Money writer

      As a finance journalist, Olivia investigates insurance, banking and property. After completing a double degree in journalism and media and communications, Olivia became a lifestyle editor at Time Out Sydney and freelanced for notable publications such as Guardian Australia and SBS News. She was Mozo’s resident car insurance enthusiast until Februrary 2022, and has (ASIC RG146 Tier 2) certification to provide general insurance advice. She edited content for the Mozo Experts Choice Awards, and was also the co-host of Mozo’s podcast, The Finance Burrito.

      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.

      Car Insurance Reviews

      AAMI Comprehensive Car Insurance
      Overall 9/10
      Great company with great products and services

      I had recently joined AAMI when I was involved in an accident. The process to log and finalise theClaim was very good. I would recommend AAMI as a trustworthy company with great products and services

      Read full review

      I had recently joined AAMI when I was involved in an accident. The process to log and finalise theClaim was very good. I would recommend AAMI as a trustworthy company with great products and services

      Value for money
      8/10
      Policy coverage
      8/10
      Customer service
      10/10
      Claims handling
      10/10
      Trust
      8/10
      Less
      Ken, Victoria, reviewed 12 days ago
      ahm Car Insurance
      Overall 9/10
      ahm Is The Best Value For Money, Cover & Ease

      I love ahm! I have Car and Health Insurance with them and because I have both I have a discount too! They also offer a youth discount which is great! I use the pay as you go (set kms per year) option for my car insurance which is perfect for me since I only pay for how much I drive and I’m fully covered. Compared to other insurances, this one was the best in value and price. I know young drivers are penalised more because of their inexperience, but being 24 with no accidents in six years of driving I’m glad that ahm can recognise that, and treat me fairly. Their customer service is amazing, their app and website are easy to use and navigate, and they have lots of information sheets that you can read through. Everything is clear, concise, and easy to understand for the regular person with no legal jargon. I truly have no complaints - only that price could be nonexistent lol but it’s already way cheaper than any competitor and insurance is kind of a necessity.

      Read full review

      I love ahm! I have Car and Health Insurance with them and because I have both I have a discount too! They also offer a youth discount which is great! I use the pay as you go (set kms per year) option for my car insurance which is perfect for me since I only pay for how much I drive and I’m fully covered. Compared to other insurances, this one was the best in value and price. I know young drivers are penalised more because of their inexperience, but being 24 with no accidents in six years of driving I’m glad that ahm can recognise that, and treat me fairly. Their customer service is amazing, their app and website are easy to use and navigate, and they have lots of information sheets that you can read through. Everything is clear, concise, and easy to understand for the regular person with no legal jargon. I truly have no complaints - only that price could be nonexistent lol but it’s already way cheaper than any competitor and insurance is kind of a necessity.

      Value for money
      10/10
      Policy coverage
      10/10
      Customer service
      10/10
      Trust
      9/10
      Less
      Stephanie, Victoria, reviewed 12 days ago
      Youi Comprehensive Car Insurance
      Overall 9/10
      Excellent service and competitive price.

      So friendly on the phone and so easy to access help. Provide help to cut your fees. Excellent service. Excellent. And competitive price.

      Read full review

      So friendly on the phone and so easy to access help. Provide help to cut your fees. Excellent service. Excellent. And competitive price.

      Value for money
      9/10
      Policy coverage
      9/10
      Customer service
      9/10
      Claims handling
      9/10
      Trust
      9/10
      Less
      Elisabeth, New South Wales, reviewed 12 days ago

      More car insurance reviews