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.

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Car insurance comparisons on Mozo

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Last updated 30 October 2024Important disclosures
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. Mozo People's Choice Excellent Customer Service Car Insurance award winner in 2024.

    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 - $2,500
    Agreed or market value
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    Agreed Or Market

    Available discounts

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      Details
    • Comprehensive Car Insurance

      ROLLiN’ offers affordable monthly comprehensive car insurance with its favourite extras included. No additional excess for young drivers, lodge a claim 24/7 and zero cancellation fees. Hire car is included up to $80 per day for up to 21 days; cover for one tow to our nearest authorised repairer, following a covered incident. No excess on your first covered windscreen, sunroof, and window glass damage once per insurance period. List multiple cars and drivers under the one policy as long as they fit the underwriting criteria (excludes Safe ’n Save policies).

      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
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      Agreed

      Available discounts

      • Get 10% Off The Base Premium For The First 2 Consecutive Monthly Policies And Up To A 15% Potential Monthly Discount From Your 3rd Month For Being A Safer Driver. Minimum Premiums May Apply. Underwriting Criteria, Limits, Exclusions, And T&Cs Apply.
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    • 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
      Choice of repairer
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      Optional Extra
      Choice of excess
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      $550 - $1,900 (varies By State)
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • No Claim Discount
      • Online Discount 15%
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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
      Calendar icon
      Yes Costs Extra
      Choice of repairer
      tools icon
      Optional Extra
      Choice of excess
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      $500 - $2,200
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • Online Discount $75
      Compare
      Details

    ^See information about the Mozo Experts Choice Car insurance Awards and the Mozo People's 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.

    Compare car insurance in Victoria 

    Whether you spend most of your commute time mazing through Melbourne’s CBD or cruising along the scenic route to Ballarat or Bendigo, you need car insurance that protects you for Victoria’s unique requirements and road conditions. Here’s how to find the right policy.

    What insurance is required in Victoria?

    As with most places in Australia, Victorians are required to have, at a minimum, insurance that covers you for injury or death to others. In Victoria, this is called Transport Accident Cover (TAC) but you may also hear it referred to as Compulsory Third-Party insurance (CTP) or your Green Slip.

    Conveniently for Victorians, this is automatically included in your rego, so no need to shop around for this basic level of cover.

    It’s important to note, however, that this level of cover doesn’t cover you for damages to other people’s car or property, much less your own car. That’s why it’s important to consider additional cover to protect you from these damages. 

    Next, let’s look at the various levels of additional cover and how they can protect you.

    Types of car insurance in VIC? 

    Apart from the mandatory TAC, there are three other levels of cover that offer you additional protection. Let’s look at your options:

    • Comprehensive car insurance. Comprehensive car insurance is the highest level of cover you can get. It covers a wide range of damages including damage to your car (from accidents, bad weather, uninsured drivers and more), plus damages to other people’s car and property.

    • Third-party property insurance (TPP). Third-party property insurance is a step down from comprehensive cover. It protects you from liability if you cause an accident to someone else's car or property, including the belongings in their car and even things like someone’s fence and public property. However it won’t protect your car or property.

    • Third-party fire and theft insurance (TPFT). A tiny step up from TPP, third-party fire and theft covers everything that TPP does, plus damages to your car related to theft and fire only. If you decide against comprehensive cover, this is a good choice if you live in bushfire-prone or high-crime areas.

    💡 When your policy includes coverage for damages (depending on your level of cover), it means:

    • Damage to your car. This can be caused by you or natural events.

    • Financial liability for property damage. This includes costs related to damaging someone’s car or property with your vehicle.

    • Financial liability for injury. This covers costs if you injure yourself, another person, or an animal with your car.

    • Damage caused by uninsured drivers. This applies to comprehensive policies.

    If an insured driver damages your car, their insurance will cover the costs. However, it's still important to notify your insurance company so they can assist and advocate on your behalf.

    What is the cheapest car insurance in VIC?

    In our Mozo Experts Choice Awards, we’ve identified a handful of policies that are affordable but don’t skimp on coverage in Victoria and Australia-wide. These Exceptional Value Car Insurance policies offer all the important protections you need for your car and others’ cars and property. They may not have all the extra frills, but they make up for it in price and essential coverage.

    CHECK OUR PICKS FOR EXCEPTIONAL VALUE CAR INSURANCE

    What is the best car insurance in Victoria?

    If price isn’t a factor, we’ve also identified policies that offer excellent protection while going a bit further with their features. Landing top spots for Excellent Quality Car Insurance in the Mozo Experts Choice Awards, these policies score high for not only quality, but also for things like their range of excess choices, whether or not they allow you to choose your own repairer, and their level of cover for the personal property in your car.

    CHECK OUR PICKS FOR EXCEPTIONAL QUALITY CAR INSURANCE

    How much does car insurance cost in Victoria?

    According to our 2023 Mozo Car Insurance Report, we found that Victorians pay an average of $1,717 per year on car insurance. This accounts for the fact that Victoria has a few urban centres where prices are typically higher (we’re looking at you Melbourne). 

    If you live in a more rural area of VIC, your premiums may be less; however, it’s important to note that price can vary based on a number of other factors including your age, the car you drive, where you park it, your claims history, your driving record and more. 

    The best way to estimate your monthly and yearly costs is to get a few free quotes and compare options. The more information you provide, the more accurate your quotes will be. We make this super easy. Just check out our table above and if you see any policies you like, click through for your free quote. 

    And remember: there are usually ways to bring the price down, for example by paying yearly rather than monthly and by taking advantage of any discounts. Our handy guide to car insurance discounts is a good place to learn more about saving on your premiums.

    Why do you need car insurance in VIC?

    There are several reasons why you need car insurance in Victoria. Let’s break it down: 

    • A minimum level of insurance is required. That’s the Transport Accident Cover we mentioned above. It’s included in your rego (also required), so if your car is registered, you’re good to go on this front.

    • It protects you and your car. You don’t want to be on the hook for thousands of dollars in damage if you cause an accident. Depending on your level of additional cover, car insurance can protect you from damages to your car and others’ property.

    • Driving is serious business. According to the Victorian Transport Accident Commission , drivers are the largest group of Victorians who have lost their lives, with close to 1,200 drivers being killed in the past five years. While not all crashes result in death, this should give you some idea about the prevalence of crashes and the need for adequate protection. 

    How to compare car insurance in Victoria

    Comparing policies is easier than ever, with most providers allowing you to get free online quotes with a few clicks of the button. Here are the steps to comparing policies and finding one that fits you like a glove:

    • Determine coverage needs. First identify what level of cover you need. Do you want comprehensive cover, or is third-party cover enough?

    • Gather multiple quotes. Once you’ve decided on your level of cover, go online and get a few quotes. We make this super easy. Just check out our table above and if you see any policies you like, click through for your free quote.

    • Compare premiums and excess levels. Make sure you get quotes from a handful of providers so you can compare prices. Keep an eye out for the excess, which is the amount you pay when you make a claim. You can often save money by choosing a higher excess, or go with a lower excess for a slightly higher premium.

    • Check coverage limits and exclusions. Once you have your shortlist, download the policy product disclosure statement (PDS), which is the single source of truth for your policy. There you’ll find exactly what you’re covered for and what you’re not. Most insurers will have their PDS available to download from their website.

    • Review additional benefits. Most policies will offer some additional features like roadside assistance, low or no-excess windshield replacement, and choice of repairer. These often cost a bit more, but some policies will include one or two of these as a free perk.

    • Consider customer reviews. Finally, check out some user reviews. Do others find the claim process easy, or is it a hassle? How’s the customer service? These can tell you a lot about the all-important intangibles.

    Now you’re ready to compare options like a pro and pull the trigger on the policy that most aligns with your needs and preferences.

    Is my VIC car insurance valid Australia-wide?

    Yes, if you're involved in a car accident while on a short holiday or business trip interstate, your car insurance should cover you, depending on the circumstances. Most companies accept eligible claims regardless of the state or territory. 

    However, check your insurance provider's specific rules on parking interstate and longer stays. You can find this information in your product disclosure statement (PDS) or by contacting your insurance company.

    Picture of Brad Buzzard
    Brad Buzzard
    RG146
    Senior Money Writer

    Brad brings over 25 years of experience in writing and consumer research to Mozo, using his RG146 certification for Generic Knowledge and Superannuation Brad has a knack for translating complex policies, to deliver practical guidance on financial matters. Brad has been featured in The Australian, B&T, Mumbrella, and Asia Insurance Review, and his insights have influenced the strategies of some of the world's biggest brands including McDonalds and Proctor & Gamble.

    Car Insurance Reviews

    NRMA Insurance Car Insurance
    Overall 6/10
    Great

    Really quick to get through on the phone. Staff have always been really nice and is one of the cheapest insurers out there for my model of car. I received quotes from several other companies, some of which were double the cost of my current policy with NRMA. Have been great so far

    Read full review

    Really quick to get through on the phone. Staff have always been really nice and is one of the cheapest insurers out there for my model of car. I received quotes from several other companies, some of which were double the cost of my current policy with NRMA. Have been great so far

    Value for money
    7/10
    Policy coverage
    7/10
    Customer service
    8/10
    Trust
    7/10
    Less
    Lauren, South Australia, reviewed about 13 hours ago
    NRMA Insurance Comprehensive Car Insurance
    Overall 10/10
    NRMA Insurance often does not charge the "Excess".

    NRMA Insurance cares so much for their customers that they help in any way possible !!! When I have had to take my car in for repairs under my Insurance, NRMA Insurance has often authorised the full repairs and have not charged any "Excess" payment for the repairs !!! Now isn't that really quite generous !!!

    Read full review

    NRMA Insurance cares so much for their customers that they help in any way possible !!! When I have had to take my car in for repairs under my Insurance, NRMA Insurance has often authorised the full repairs and have not charged any "Excess" payment for the repairs !!! Now isn't that really quite generous !!!

    Value for money
    9/10
    Policy coverage
    9/10
    Customer service
    10/10
    Claims handling
    10/10
    Trust
    10/10
    Less
    Alan, New South Wales, reviewed about 12 hours ago
    Budget Direct Car Insurance
    Overall 1/10
    Run for the hills from the company.

    Do not go anywhere near this company for insurance. My renewal for my car has come through and they have just rejected my renewal based off my claims history. In over 25 years of driving I have never had a claim and this year after my car got stolen out the front of my home by a third party, after the key was accidentally left in car, while going through the birth of my son and moving home, I made a claim, which they reject based on leaving the key in the car, after a long and painful process where I felt like the criminal and over a very stressful period of 6 months, they paid me $3,000 for my troubles with a car that should have been written off. I tried to fight it with the complaints tribunal but as they have this small print buried in the wording I lost the battle. I’m now driving around in a car that needed to be fixed which I have more paid more then $10,000 to make road worthy but can’t afford a total repair and now at renewal they have the hid to reject my renewal based on my claims history. I could understand if it was for the car itself they decided not to insurer but in their comments they make it clear it’s due to my claims history. Again I have never had a claim that’s my fault and one claim where my car got stolen which they paid a tenth of the cost and now they have advising me they are not renewing based on my claim history. This is the most ridiculous thing I have heard and never seen such poor service this company offers. There is a reason they are called budget and whom every is rating this company as best insurer needs to be looked into. Do yourself a favour and look at other insurance companies that have a bit of compassion and don’t run for the hills as soon as you need them.

    Read full review

    Do not go anywhere near this company for insurance. My renewal for my car has come through and they have just rejected my renewal based off my claims history. In over 25 years of driving I have never had a claim and this year after my car got stolen out the front of my home by a third party, after the key was accidentally left in car, while going through the birth of my son and moving home, I made a claim, which they reject based on leaving the key in the car, after a long and painful process where I felt like the criminal and over a very stressful period of 6 months, they paid me $3,000 for my troubles with a car that should have been written off. I tried to fight it with the complaints tribunal but as they have this small print buried in the wording I lost the battle. I’m now driving around in a car that needed to be fixed which I have more paid more then $10,000 to make road worthy but can’t afford a total repair and now at renewal they have the hid to reject my renewal based on my claims history. I could understand if it was for the car itself they decided not to insurer but in their comments they make it clear it’s due to my claims history. Again I have never had a claim that’s my fault and one claim where my car got stolen which they paid a tenth of the cost and now they have advising me they are not renewing based on my claim history. This is the most ridiculous thing I have heard and never seen such poor service this company offers. There is a reason they are called budget and whom every is rating this company as best insurer needs to be looked into. Do yourself a favour and look at other insurance companies that have a bit of compassion and don’t run for the hills as soon as you need them.

    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Steve, South Australia, reviewed about 12 hours ago

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