car insurances

Compare car insurance Tasmania

Tassie drivers looking for a great deal on car insurance should idle here a while. Mozo’s got all the information on car insurance quotes, features and discounts so you can protect yourself and your ride as you explore roads south of the Bass Strait. Whether you stick to Hobart streets or make regular excursions to gusty mountain peaks, we can help you find a car insurance policy to suit your Tasmanian driving needs.

Car insurance comparisons on Mozo - last updated February 27, 2021

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    Yes Costs Extra
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    Optional Extra
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    $500 - $1,850
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    Monthly premiums
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    Yes Costs Extra
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    $400 - $1,850 (varies By State)
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    Available discounts

    • No Claim Discount
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    $800 - $2,000
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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.

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    Yes Costs Extra
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    $650 - $795 As A Fixed Excess; Varying Between States
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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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      $800 Flat Excess Fee
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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
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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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      • Comprehensive Car Insurance

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        Monthly premiums
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        Yes Costs Extra
        Choice of repairer
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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

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        Monthly premiums
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        Yes Costs Extra
        Choice of repairer
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        No
        Choice of excess
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        $500 - $2,000
        Agreed or market value
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        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

      *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).

      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.

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      FAQ

      Is car insurance compulsory in Tasmania?

      Yes, like all other states and territories in Australia, you’ll need some level of car insurance to drive in Tasmania. 

      You cannot legally drive in TAS without compulsory third party (CTP) insurance, which is overseen by the Motor Accidents Insurance Board (MAIB). CTP insurance in Tassie provides cover for ‘no fault’ accidents, meaning you can claim compensation regardless of who is responsible. 

      This level of insurance doesn’t cover any damage caused to your car or others’. Instead it’s there to compensate you for reasonable medical, ambulance and hospital costs, rehabilitation expenses, income loss, long term care for serious injuries and disability allowance.

      As on the mainland, other levels of car insurance in Tasmania are elective. However, it’s advisable to have at least a basic level of voluntary cover in case you cause an accident, as otherwise you may be left with a massive repair bill for any damages you cause to your own car and others.

      The most basic level within this is third party property damage car insurance, which covers you for repair or replacement costs if you cause damage to other people’s vehicles or property. Every policy differs slightly, but there are generally dollar limits on what your insurance company will pay out. And remember: third party property insurance does not cover your own car in any way.

      If you live in an area with a high crime rate or park your car on a dangerous street, you might consider bumping up your third party cover to include fire and theft car insurance. This will cost a little extra, but is a useful safeguard for your car if it’s in a riskier environment.

      Comprehensive car insurance is the highest level of cover you can take out in TAS. As a base, it covers repair or replacement costs for your own and other vehicles should you cause an accident. Depending on your provider and policy, it can also include cover for additional costs that crop up around road accidents like towing, emergency accommodation, travel and hire car costs.

      Types of car insurance in Tasmania

      How much does car insurance cost in Tasmania?

      You pay CTP through MAIB as part of your annual vehicle registration in TAS, so this cost will be determined by the kind of vehicle you drive. As an example, the annual MAIB premium for a motor car (which is a standard car meant to carry passengers) is $302.*

      When it comes to elective coverage, a higher level of cover means a higher premium, so a comprehensive policy will cost more than third party car insurance. Just remember, if you cause a costly accident or own a reasonably new or valuable car, paying a little more each year on your premium for additional cover could save you money down the road.

      Regardless of the type of car insurance you choose, there are a range of demographic and behavioural factors which can impact your car insurance cost. Insurance companies will use statistics to calculate how much of a risk you are on paper, and provide a car insurance quote which mitigates high risk with a higher premium. Some of the factors they go off include:

      • Your age & gender. Based on road accidents and the cost of insurance claims, younger or more inexperienced drivers are a higher risk and female drivers are statistically safer.

      • The make, model, value, age, and even the colour of your vehicle. Newer, more expensive cars cost more to cover, and there are some statistics around different coloured vehicles being more likely to be stolen or involved in insurance claims.

      • Where you live and whether your car is garaged. If your car is on the street in a dangerous neighbourhood, expect a premium bump.

      • Your driving habits and history. On the bright side, some insurance providers offer cheaper premiums for Tasmanians who don’t use their cars often. But flip the coin to someone who drives a lot or has black marks on their driving record, and you’ll find a more expensive premium.

      What is covered by comprehensive car insurance in Tasmania?

      Every car insurance provider will offer slightly different benefits, which will then be affected by the kind of driver you are and the kind of vehicle you drive. With that in mind, there are some things you can generally expect to see on your comprehensive car insurance policy. This includes coverage for:

      • Damage to another driver’s car when you cause an accident

      • Damage to your car in an accident

      • Other accidental damage (like reversing into a retaining wall)

      • Fire damage 

      • Theft and attempted theft of your car

      • Vandalism and malicious damage

      • Emergency repairs

      • Towing costs in an emergency

      • Travel and accommodation costs if you’re a certain distance from home after an incident

      • Damage to personal property in your car.

      Are there any optional extras I should have when driving in TAS?

      Some car insurance policies will include certain features as standard, which in other policies only come as optional extras. Generally speaking, the more feature-rich your policy is the more expensive it will be whether you include things optionally or if they’re offered from the get-go. Some features to consider which may only be offered as optional extras include:

      • Excess-free windscreen cover. This is great if you live on a large Tassie block and might need semi-regular windscreen repairs from driving on unsealed roads.

      • Rental car after accident. You’ll often find this is included after a theft as standard, but not after road accidents, particularly if you’re responsible for a crash.

      • Modifications. Many providers will be happy to insure your cool vehicle upgrades, you’ll just have to let them assess it and set a price for coverage before taking out a policy.

      • Choice of repairer: Being able to choose your own repairer is a good option if you have a trusted mechanic or panel beater in mind and want them to see to all repairs.

      • 24-hour roadside assistance. If you’re concerned about getting stuck in between Tassie townships, roadside assistance can get you out of a bind. This is usually sold as a separate product to most insurance policies.

      • No claims bonus protection. This is a veil of protection added onto your clean driving record which has earned you a discount on your premium. It’ll keep the no claims discount intact if you make a claim in some scenarios.

      How does car theft and accidents affect insurance in TAS?

      As mentioned, your cover can be affected by where you live, drive and park your car, as different areas have different levels of crime rates and road incidents, and therefore come with higher risk. So it’s important to have an idea of what that risk is in your state and local area. 

      TAS road accident statistics

      Serious injuries and fatalities on Tasmanian roads were slightly higher in 2020 than the running ten-year average, according to Tasmania Transport Services.** There were 284 people who were seriously hurt and 36 lives lost.

      A report from the Department of State Growth found two-thirds of serious casualties were caused by vehicles veering off the roadway or into oncoming traffic, resulting in head-on or other kinds of collisions.^ It also found a lack of attention while driving and experience as a driver were the two leading causes of casualties, closely followed by inappropriate speed. 

      Tasmania road weather dangers

      Tassie is home to some of Australia’s coldest towns, which brings a very dangerous element to the driving equation: black ice. With temperatures dropping as low as -14 degrees Celsius^^, black ice (a thin coating of transparent ice) is a much more common threat in some areas. 

      Be sure to watch out for weather warnings and avoid driving when black ice is prevalent, especially on roads prone to it like the Huon Highway and the Southern Outlet. 

      Car theft in Tasmania

      Of the 1,067 vehicles reported stolen in Tasmania during the calendar year of 2019-2020, around 75% have been recovered, according to the National Motor Vehicle Theft Reduction Council.+ Major cities were at the top of the leaderboard, with thefts in Launceston, Glenorchy, Hobart and Clarence (in that order) accounting for well over half of these instances.

      Insuring your car for theft, fire and malicious damage can be a good way to mitigate the risk of living and parking in these areas. This is generally covered in a comprehensive car insurance policy, or can be added onto third party car insurance. Also consider parking your car on your property or in a garage to reduce the likelihood of theft or vandalism – you may even reduce your car insurance premium in the process.

      External sources

      * Tasmanian Government (Dec 2020), ‘MAIB Premiums’ - accessed 21 Jan 2021

      ** Tasmanian Government (Jan 2021), ‘Tasmanian crash statistics’ - accessed 21 Jan 2021

      ^ Department of State Growth (Dec 2016), ‘Towards Zero Tasmanian Road Safety Strategy 2017-2026’ - accessed 21 Jan 2021

      ^^ ABC News (Aug 2020), ‘Liawenee in Tasmania's Central Highlands breaks record for coldest temperature in island state’ - accessed 21 Jan 2021

      + National Motor Vehicle Theft Reduction Council (Sep 2020), 'National context' - accessed 21 Jan 2021

      TAS car insurance FAQs

      Does Tassie car insurance cover driving on the mainland?

      Yes, you’ll still be covered if you drive aboard the Spirit of Tasmania to visit Melbourne mates or take a nation-wide road trip. If you’re planning on exploring other states and territories for a longer stint, have a chat to your insurance provider before heading off, as there may be some limits or exclusions.

      Are there different kinds of car insurance around Australia?

      Most car insurance companies operate Australia-wide, but there are some providers who only operate in one or a few states and will only cover those who live there. The insurance itself is the same but coverage levels and other benefits will differ from provider to provider. Often these insurance companies will also invest in local road safety education and research. 

      CTP is one aspect of car insurance where details and costs can differ depending on state boundaries. So, if you want to learn more about this or compare comprehensive car insurance policies specifically in your state, head to Mozo’s dedicated car insurance hubs for:

      Are there any car insurance discounts I can apply for in Tasmania?

      Absolutely! Some of the common car insurance discounts you can apply for in Tasmania include:

      • Online discount: Insurance companies reward customers who help streamline processes by applying for insurance online. An apply-online discount can often be as high as 20%, but is usually only applied to the first yearly premium on a new policy.

      • Loyalty discount: If you’ve stuck with the same insurance provider for years, you may be offered a discount come renewal time or it may be applied to your premium automatically. The discount is offered as a percentage of your premium and can increase over time. 

      • No claims bonus: While it’s often called a ‘bonus’, this is another discount. Like the loyalty discount, it also has the potential to grow over time, but is based on you not making any insurance claims each policy period. Sometimes not-at-fault claims or cheaper claims (such as windscreen repairs) won’t count in this tally.

      • Multi policy discount: If you have more than one policy with the same insurer, you can often snag a discount on your car insurance. This includes other car insurance policies, home insurance and life insurance policies.

      • Driver restriction discount: Setting boundaries can also help you save. If you agree that only low-risk people will be driving your car or you’ll only drive a certain amount of kilometres in the year, you may be able to reduce your premium. Just remember, if you break these conditions and have an accident, your claim can be denied.

      How do I make a claim on my TAS car insurance?

      When kicking off the claims process, the easiest option is often to lodge and keep track of your claim online. However, you can usually still speak to a human service provider over the phone with most insurance companies, and sometimes even in person.

      No matter how you approach it, having the following details written down at the time of the incident and handy when you’re processing the claim will make you life easier: 

      • The date, time and location of the incident, as well as an outline road conditions

      • The details of any other drivers involved in the accident (including their contact info, insurance details and licence and registration numbers)

      • Any statements from witnesses or other involved road-users

      • Any photo evidence of damages or the scene of the incident

      • A police report (if applicable).

      It’s important to remember you’ll have to pay an excess to get the wheels rolling on your claim, so be sure you know what your excess is and if you can cover it. Also keep in mind that making a claim might impact your no claims bonus and potentially cause future premiums to rise.

      What are car insurance exclusions in TAS?

      There are some things you can expect to be excluded from your car insurance cover no matter where you live. Some general exclusions are:

      • Depreciation of your car's value: The more you drive your car and the longer you have it, the more it depreciates in value. As this part and parcel of owning and driving a car, it isn’t insurable.

      • Mechanical or structural faults: This applies to spontaneous breakdowns – for example, your air con fails or indicator light dies – and usually won’t be covered.

      • Wear and tear: You will need to check what this refers to, as each insurance company has a different definition. In general, you can’t claim repair costs on things like rust damage, bald tyres or worn-down brakes. 

      Can I pay my premium monthly? 

      Car insurance premiums are usually calculated as an annual sum, but it doesn’t necessarily mean you’ll have to pay it every twelve months. You'll sometimes have the option to pay your premium weekly, fortnightly or monthly. However, many insurance companies may add a processing fee for this budgeting convenience. 

      Picture of Olivia Gee
      Olivia Gee
      Money writer

      As a personal finance writer 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 creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.

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