Compare Car Insurance Victoria

Looking to save money on your comprehensive car insurance? Here at Mozo, we help you to compare some of the latest car insurance deals available in Victoria. Review policy features and available discounts in the table below then get a personalised quote direct from the insurer to see how much you could save.

If you're in research mode, we've also got a range of detailed guides and FAQs that cover all car insurance topics to help you.

Car insurance comparisons on Mozo - page last updated September 21, 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 premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    Optional Extra
    Choice of excesscoins icon
    $500 - $1,850
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • No claim discount
    • Online discount up to 15%
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  • 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 premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    Optional Extra
    Choice of excesscoins icon
    $400 - $1,850 (varies by state)
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • No claim discount
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    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 premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    No
    Choice of excesscoins icon
    $800 - $2,000
    Agreed or market valueCar coin icon
    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 premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    Optional Extra
    Choice of excesscoins icon
    $500 - $1,850
    Agreed or market valueCar 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 premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    Optional Extra
    Choice of excesscoins icon
    $400 - $2,500
    Agreed or market valueCar coin icon
    Agreed or Market

    Available discounts

    • 20% discount on Contents Insurance if Youi Car Insurance also held
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    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 premiumsCalendar icon
    Yes
    Choice of repairertools icon
    No
    Choice of excesscoins icon
    $800 flat excess fee
    Agreed or market valueCar 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 premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    No
    Choice of excesscoins icon
    $500 - $2,000
    Agreed or market valueCar 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 premiumsCalendar icon
    Yes
    Choice of repairertools icon
    Yes
    Choice of excesscoins icon
    $600 - $1600 (varies by state)
    Agreed or market valueCar 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 premiumsCalendar icon
    Yes costs extra
    Choice of repairertools icon
    No
    Choice of excesscoins icon
    $500 - $5,000
    Agreed or market valueCar 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.

Comparing comprehensive car insurance policies with Mozo

Whether you spend most of your commute time mazing through Melbourne’s CBD or cruising along the scenic route to Ballarat or Bendigo, if you live in Victoria you know the importance of having your trusty set of wheels covered by a top-notch comprehensive car insurance policy. 

Car insurance can be a confusing creature, but it is important to understand how to compare policies so that you’re grabbing the best deal you can while getting the right level of cover for your trusty mode of transport.

That’s why Mozo has made it super easy to compare comprehensive car insurance policies. Using the comparison table above you’ll be able to see a range of car insurance policies specifically available to Victorian drivers. Plus their brightest and most competitive features, such as discounts on offer, the flexibility to choose your repairer, levels of excess as well as how long it will take you to get a quote.

If you want to know a little more about a policy just hit the ‘more info’ tab and if you think you’ve found “the one”, you can start the application process by clicking the ‘go to site’ button which will take you right where you need to go for a customised quote. 

Car insurers might lean on some pretty technical terminology when discussing how their policies work and what it means for your car. So that you’re ready for that conversation, we’ve pulled together the following frequently asked car insurance info so that you’ll be a car insurance pro and snag the best deal for you. 

What’s the difference between third party and comprehensive insurance?

In Victoria, as in most other states and territories in Australia, there are three main types of third party car insurance. 


The most basic type is compulsory third party (CTP) insurance. As the name suggests this insurance is mandatory and in Victoria it is tied into your registration costs. It provides the driver cover for legal liability for injury or death.

The other two types of third party car insurance are third party property insurance and third party fire and theft insurance. These are both optional and are mainly designed to cover you for damage done to someone else's car. However, neither will cover to repair or replace your car if you are responsible for an accident. These are usually cheaper than comprehensive policies.

Comprehensive car insurance policies, on the other hand, offer the highest levels of cover. You get all the benefits of third party property cover, but your wheels are also covered for a range of circumstances, whether you’re at fault or not. These are the policies featured on Mozo in the table above. While they are pretty comprehensive, there will be variations between each one, so be sure to check the policy's PDS to know exactly when your cover will kick in and when it won't.

How is my car insurance premium calculated?

Your car insurance premium takes some serious calculating, but what exactly is the insurer weighing up when putting together your quote? 

Well, some of the things that are usually taken into account include:

  • Your age and gender: Younger male drivers are generally considered to be more of a risk to insure than older women.
  • The age and colour of your vehicle: Newer, more expensive cars cost cost more to cover.
  • Where you live:This includes your address in Victoria and whether your car is garaged.
  • Projected mileage: Some insurers offer cheaper premiums for Aussies who don’t use their cars so often. 

With every insurer working through the premium equation a little differently, it is super important not to just go with the first quote you get. Instead, shop around and identify a few policies you think would suit you and get quotes from all of them. Mozo mystery shops from the past have shown huge savings between car insurers for insuring the same driver and car so compare, compare, compare.

Will I be able to get a discount on my car insurance?

No one likes to pay full price for anything nowadays and car insurance is no different! Fortunately, there are a bunch of discounts and bonuses that can be applied to your policy in you live in Victoria that’ll help drive down costs while keeping your cover as comprehensive as ever. These include:

No claims bonus

A ‘no claims bonus’ is a discount that is given to policyholders who haven’t made any claims against their car insurance for a period of time. In Victoria, there are different tiers of discount that apply depending on how long you’ve kept a claims-free history, but this amount can reach as high as 70% of your premium with some providers and is transferable, so don’t be afraid to check out the competition.

Multi-policy discount

Consider taking out a car insurance policy with your home insurance provider.  Some insurers will reward you with discounts for taking out more than one policy with them.

Online discount

As with much of the world, insurers are moving online nowadays some will even offer you the chance to slash the price of your comprehensive premium by taking out a policy over the internet. Easy money if you ask us!

Restricted driver discount

The more drivers listed on your policy, the more of a risk it is for your insurer. For that reason, some insurers in Victoria will give you the chance to save some precious pennies by restricting the amount of people who will potentially get behind the wheel of your car.

Family discount

Especially handy for first time customers, if your parents have a car insurance policy with the same provider as you, you may be able to nab a discount on your own policy.

Loyalty discount

If you’ve been with the same insurer for a while, some car insurance providers will offer you a discount at renewal time and if they don’t it’s time to shop around. 

Fuel efficient discount

If your car is fuel efficient or a green electric car, look out for policies that will slash your premium thanks to your environmentally-conscious ways - you deserve to be.


What features I should look out for when taking out my car insurance policy?

What you’re after is a comprehensive car insurance policy that packs a punch when it comes to features and while each policy is different, the more features stacked into one package, the wider the level of cover. Keep an eye out for:

  • Windscreen cover. Not always a standard feature on every policy, windscreen cover will cover any damage to your windscreen or any glass on your vehicle but could be accompanied by an extra excess to access this feature of your policy.
  • Choice of repairer. It is your car and you might want the luxury of sending it to a mechanic or panel beater of your choosing, if you are involved in a bingle.
  • Rental cover. While your car is at the mechanic or even worse, if it has been stolen, how will you get about? Rental cover is often an added option that could cover you in both situations, or just one ore the other.
  • Personal property. Our cars can often become a second, mobile wardrobe or a mini storage unit for our clothes, laptops or sunglasses. If that’s the case for you, keep an eye out for a generous personal property cover cap on your next comprehensive car insurance policy. 
  • Roadside assistance. So you’ve broken down and you need help, ASAP. Roadside assistance is for times just like this and while most insurers won’t offer this as standard, some will meet your most immediate mechanical needs for an additional premium.

What should I know before I make a claim in Victoria?

It’s important you know how to go about making a claim on your car insurance policy.

Before you even start the claims process, make sure you have a couple of things on-hand so that the process runs as smoothly as possible:

  • The date and time
  • Location of accident or incident
  • Other driver’s details (including the phone number and licence details)
  • Any witness statements / other road-users involved.
  • Any photo evidence
  • Police report (if applicable)

It is important to know that when you lodge a claim, no repair work will start until you’ve paid the excess to access your policy but in terms of getting the wheels rolling on your claim you have a couple of options. If you’re a savvy web-surfer, the easiest option is to lodge, and keep track, of your claim online but you also have the option of picking up the phone and contacting your provider that way and a few providers even have a 24/7 claims service. Finally, it is probably worth noting that by making a claim on your car insurance now - your future premiums could rise and your hard-earned no claims bonus could take a hit.

FAQs about car insurance in Victoria

Will my Victorian car insurance be valid all over Australia?

If you are involved in a car accident while on a short holiday or business trip interstate then, depending on the individual circumstances, your car insurance should cover you. Most car insurers will accept eligible claims, regardless of what state or territory you are in when the incident occurs.

That said, you should check with your insurer on what particular rules they may have for parking your interstate. You can do this either by reading through the product disclosure statement that came with your policy, or by giving your insurer a ring for more information. It should also be noted that while most car insurers operate in all states and territories, some do not. So this is also worth checking before you hit the road.

Will car crime in Victoria affect my insurance premium?

You might have heard that Victoria had the most amount of car thefts between March 2019 and March 2020. That’s according to the National Motor Vehicle Theft Reduction Council.

Now this may not sound too promising, however the crime rate across the whole state should not have an affect on your individual car insurance premium. Rather, your insurer will look at what the crime rate is like in your particular area when working out your premium. So, if you reside in a small regional town where there isn’t a whole lot of auto-theft going on, then your insurer won’t judge you on the crime rate of the whole state.

Plus, there are plenty of other things that will come into play when working out your premium. For instance, where you park your car could make a difference. If you lock your car away in a garage where it is less likely to be stolen, then your premium may be lower. Or, if you keep it parked on the street, then your insurance premium may be higher.


How does the excess work and should I have a low or high excess? 

There are two major expenses associated with your car insurance policy. First of all, your premium is calculated as an annual cost, although it usually can be paid on a monthly basis and is the price to take out the policy. If you do opt for the monthly feature, it is a good idea to sign up for a direct debit so you can rest easy knowing that your car will be covered. There would be nothing worse that going to make a claim only to find out that you’d missed a payment and voided your insurance! 

The other major cost of your policy is known as an excess. This is the cost that you will have to pay to the insurer if you want to make a claim on your policy for an at-fault accident. 

When you take out your car insurance policy, your insurer will often give you a choice of excess. Generally speaking, the higher your excess the lower the cost of your standard premium. For instance, if you opt to have a $1000 excess, your insurance premium will be cheaper than if you only had a $500 excess. 

What happens if my car is written off?

If your car is deemed a write-off by your insurer’s assessors, your comprehensive car insurance policy will kick in to pay out your sum insured or pay for the purchase of a new car, minus your excess amount. But this will only happen if the costs to repair the damage turns out to be more than the value of the vehicle itself.

It is important that you understand the difference between the agreed and market value when taking out insurance as this will determine whether your car is replaced or you are paid out in the case of a write off. 


What is better market value or agreed value?

Market value and agreed value are simply two different ways that your insurer can value your car. Neither are better per se, but one might work better for you.

Here’s a quick rundown of the difference between the two:

  • Market value: This is basically what your car would be worth on the open market. If you opt for this type of valuation then your insurer will take into account depreciation, the condition of your vehicle, the make, age and model. More often than not, the market value will go down as your car ages.

  • Agreed value: Unlike market value, agreed value is a price that you and your insurer will agree on when you take out your policy. Your insurer will review the agreed value every time you renew your policy and as such will most likely decrease it as your wheels get older.

Read more about the difference between the two, in our guide to market value vs agreed value.

What do I need for a car insurance quote in Victoria?

When gathering car insurance quotes, it’s always a good idea to have a few bits and bobs handy. Information you might want to have with you includes:

  • Personal information. Insurers will usually ask for your name, address and contact details.

  • Detailed information about your wheels. This includes what make and model your car is. How old it is and what the registration number is.

  • Your driving licence. Your licence number and how long you have held it for.

  • Where you usually park. Generally, cars that are locked up tight in a garage have a lower risk of being stolen. So your insurer will want to know where you park your vehicle.

  • Driving history. You will have to declare any incidents or accidents you may have had in the past few years.

  • How far you drive. It only follows that the more you use your car, the more likely you are to have some sort of incident. So, to give you a quote, insurers will ask you how many kilometres per year you usually drive.

Other things insurers may ask you about include when you last made a claim, what it was for, and who usually drives your car. 

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. 

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