car insurances

Compare Car Insurance Western Australia

Looking for top quality comprehensive car insurance cover in WA that doesn’t cost an arm and a leg? You’ve come to the right place! Mozo compares a range of comprehensive car insurance policies available in Western Australia, highlighting the most important features and discounts so that you can be sure you’re making the best possible savings without skimping on cover.

Be sure to check out our range of car insurance guides below for a more detailed run through of must-know terms and FAQs. 

Fact Checked

Car insurance comparisons on Mozo - last updated 3 December 2021

Search promoted car insurance below. Advertiser disclosure. Important information on terms, conditions and sub-limits.
  • 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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    $500 - $1,850
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount Up To 15%
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  • Comprehensive Car Insurance

    Huddle Car Insurance, Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

    Monthly premiums
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    Yes
    Choice of repairer
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    No
    Choice of excess
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    $500 - $5,000
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
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  • Comprehensive Car Insurance

    Stella have created a more intuitive experience and offer a product that’s been designed with women in mind; offering premium benefits, and optional extras and rewards for being a safe driver. Stella are back by QBE. Get a quick quote online in 40 seconds and insured in 4 minutes. Save 15% when you pay annually.

    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
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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
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    Yes Costs Extra
    Choice of repairer
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    Optional Extra
    Choice of excess
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    $400 - $2,200
    Agreed or market value
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    Agreed Or Market

    Available discounts

    • Online Discount $75
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  • Comprehensive Car Insurance

    Making sure your car insurance is about where you’re at right now could save you lots. Start a quote with Youi today and see what you could save. Exceptional Value Car Insurance award winner in 2020.^

    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
    Car coin icon
    Agreed Or Market

    Available discounts

    • 20% Discount On Contents Insurance If Youi Car Insurance Also Held
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  • Comprehensive Car Insurance

    Easier, better, smarter car insurance. Say g’day to ROLLiN'. 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’s pay monthly.

    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

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    • Comprehensive Car Insurance

      Discover more rewarding car insurance. With competitive cover for you - and your budget, plus up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility criteria 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
      Car coin icon
      Agreed Or Market

      Available discounts

      • No Claim Discount
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      Go to site
      Details
    • Price Saver Comprehensive

      Save 15% on your first year’s premium when you buy online with Virgin Car Insurance.

      Monthly premiums
      Calendar icon
      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 15% Discount On First Year’s Premium
      • Restricted Drivers Discount Available
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      Details
    • Black Comprehensive Car Insurance

      Huddle Black Comprehensive Car Insurance with extra benefits. Pay as you drive & save up to 30% (T&Cs apply). 24/7 claims lodgement and new-for-old replacement (under 2 years).

      Monthly premiums
      Calendar icon
      Yes
      Choice of repairer
      tools icon
      No
      Choice of excess
      coins icon
      $500 - $5,000
      Agreed or market value
      Car coin icon
      Agreed Or Market

      Available discounts

      • Pay As You Drive Cover With Pricing Tiers Available For Limited Kms.
      Compare
      Go to site
      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. Winner in Exceptional Value Car Insurance Award 2020.

      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 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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      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.

    FAQ

    Finding your perfect car insurance policy in Western Australia

    Whether you regularly take in the stunning Indian Ocean Drive views, head outback on dirt roads, or prefer Perth’s smoother CBD, you’re going to want a comprehensive car insurance policy to cover your ride.

    At Mozo we make it easy for you to get the most appropriate comprehensive car insurance policy for your circumstances via our comparison tables and tools. For example, in Western Australia the number of unsealed roads mean you might value glass cover to protect your windscreen a little more than your compatriots in the eastern states. 

    It's always wise to do a little homework before you start comparing car insurance policies to brush up on some of the technical terms you might come across while shopping around. So, we’ve compiled a list of frequently asked questions from road users in Australia’s most western state.

    What kind of insurance do you need to legally drive in Western Australia?

    As is the case in all Aussie states and territories, you'll need Compulsory Third Party (CTP) insurance to legally drive on Western Australian roads. You might know it as a 'greenslip'. Providers offering this kind of compulsory insurance and the details of the policy varies depending on which state or territory you register your car in. 

    In Western Australia, CTP is a type of ‘at fault’ insurance, meaning it only provides compensation to you, passengers in your car and anyone else like pedestrians who are injured if you are not the driver at fault. If you are, you'll only be able to make a CTP claim if you sustain catastrophic injuries.

    The sole provider of CTP in WA is the Insurance Commission of Western Australia (ICWA). It's included in your registration costs when you take out a WA motor vehicle licence. Remember: CTP doesn't cover any damages to your car or others.

    Types of car insurance in Western Australia

    What are the other levels of car insurance available in WA?

    There are different types of policies and levels of cover available which you'll need to consider when shopping around:

    • Comprehensive:  Comprehensive car insurance provides the highest level of cover, protecting your vehicle in a range of circumstances and providing additional benefits. Once you pay the excess on an insurable claim, the cost of replacing or repairing your car as well as any damage you’ve caused to another person’s car or property can be covered.
    • Third party property damage: Third party insurance is a basic level of cover which only deals with other people's cars or property when you cause an accident. A third party policy won’t cover repairs to your own car – this is the main difference between comprehensive and third party insurance.  
    • Third party fire and theft: This is like the next level of third party insurance, and as the name suggests, it also covers repairs or losses in case your car is damaged by fire or stolen. Car owners parking in the street overnight or driving in areas with higher crime rates might consider this option.

    How can I save on my comprehensive car insurance in WA?

    One of the easiest ways to save on your comprehensive car insurance premium in Western Australia is through a no claims bonus. The system is pretty simple: the longer you go without making a claim against your car insurance policy, the more money you save. These bonuses are transferable between WA car insurance providers.

    While this is a popular way to save, it isn’t the only option for motorists. Check out a range of discounts that could potentially be applied to your premium below.

    Multi-policy discount

    Consider taking out a car insurance policy with the same insurance provider you use for your home insurance and you could be rewarded with discounts for having more than one policy with them.

    Online discount

    Since it saves them time and manpower, many providers will put money back in your wallet for taking out a policy via the world wide web.

    Restricted driver discount

    The more drivers listed on your policy, the pricier your premium. Conversely, some insurance companies in Western Australia will give you the chance to save simply by restricting the amount of people who will get behind the wheel of your car.

    Family discount

    You may be able to nab a discount on your own policy if your parents have a car insurance policy with the same provider. So this is a good one for first-time car owners.

    Loyalty discount

    If you’ve kept your comprehensive car insurance policy with the same company for a few years you could be entitled to a loyalty discount.

    Fuel efficient discount

    If you took the environment into account when buying your new car, look out for policies that will reward your socially-conscious ways. A fuel efficient or a green electric car could help you save on insurance

    What car insurance features should WA drivers look for?  

    Each car insurance policy may have a slightly different range of benefits and coverage covers. Under a comprehensive car insurance policy, you’ll often 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 car insurance optional extras to consider in WA?

    Some common optional extras you might want to look out for as a Western Australian driver are:

    • Excess-free windscreen cover (great if you live in rural WA 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)  

    How can crime and car accidents in WA affect car insurance?

    Like most car insurance policies, your Western Australian cover can be affected by where you live (and where you park your car) as different areas have different levels of crime and road incidents, and therefore come with higher risk.

    Fatalities on WA roads

    In 2020, 155 people died on WA roads (down from 164 deaths in 2019), according to the Western Australia Road Safety Commission.* Of these fatalities 62 occurred in metropolitan areas and 93 were on regional roads. When driving in rural or regional areas of WA, wildlife, wandering cattle, unsealed roads and low lighting can increase  crash risk, so drivers must remain vigilant. 

    The 2019 summary of road deaths in WA shows the 2020 figure is the lowest number of lives lost while driving in the state since 1961, and reveals an overarching downward trend in road fatalities since 2008.** 

    This data also shows the majority (53%) of fatalities involved motorcycles, almost a third of deaths were related to speeding, 20% involved alcohol consumption, and 12% were the result of fatigue.

    Car thefts in WA

    Across the 2019/2020 calendar year, there were 6,057 motor vehicle thefts in Western Australia, which accounted for 11.5% of car theft across the country.^ 

    These statistics are tracked by the National Motor Vehicle Theft Reduction Council and show a 22% decrease in theft compared to the previous year. Stirling, Swan and Wanneroo were the top three theft hotspots in this period, but still saw significant theft reductions.^^

    If you're considering living in these areas (or anywhere with a higher crime rate of other types), insuring your car for theft, fire and malicious damage is advisable. This is generally covered in a comprehensive car insurance policy. Also consider parking your car on your property or in a garage, as this can potentially reduce the likelihood of theft or damage (and even reduce your car insurance premium).

    External sources

    * Government of Western Australia Road Safety Commission (Jan 2021), 'Annual road statistics 2020' - accessed 13 Jan 2021

    ** Government of Western Australia Road Safety Commission (Apr 2020), '2019 Preliminary summary of fatalities on Western Australian roads' - accessed 13 Jan 2021 

    ^ National Motor Vehicle Theft Reduction Council (Sep 2020), 'National context' - accessed 13 Jan 2021

    ^^ National Motor Vehicle Theft Reduction Council (Sep 2020), 'Where were they stolen?' - accessed 13 Jan 2021

    WA car insurance FAQs

    How do I find the best car insurance?

    If you’re looking to find Australia’s best car insurance, a great place to begin is by checking out the winners in the Exceptional Value and Exceptional Quality categories in the Mozo Experts Choice Awards for Car Insurance. Our experts analysed the pricing and product data and determined these as the insurance policies offering the best range of features for competitive premiums.

    Not all customers are looking for the same thing when it comes to car insurance, so it’s important to bear this in mind when comparing policies.

    What's generally not covered by car insurance in WA?

    There are a few things you can expect to be excluded from your car insurance cover. Some of these general exclusions are:

    • 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 provider 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.

    How is my car insurance premium calculated in WA?

    The car insurance premium you’re going to pay each year is dependent on a range of factors. These essentially outline  how much of a risk it is to provide you with comprehensive car insurance. Each insurance provider is a little different which is why the price of your premium may differ from one quote to the next. Generally, these are some of the things that are considered when you take out a quote:

    • Your age and gender: Younger male drivers are generally considered to be more of a risk to insure than older women, for example.
    • The age and colour of the vehicle: Newer, more expensive cars cost cost more to cover than older ones because they’re more valuable.
    • Where you live: Your Western Australian postcode has an impact on your premium, and so does your car park. You'll have to pay more if your car is kept on the street rather than parked in a secure garage.
    • Projected mileage: Some providers offer cheaper premiums for Aussies who don’t use their cars often.

    How do I pay my car insurance premium as a WA driver?

    Your car insurance premium might be calculated as an annual sum, but it doesn’t necessarily mean that you’ll have to pay it every twelve months. You'll sometimes have the option to pay your premium weekly, fortnightly or monthly at no extra cost (others may slap an additional fee on).

    What is a WA car insurance excess?

    If you’re involved in an accident and need to pay for repairs, you’ll have to pay an agreed-upon sum before your comprehensive car insurance policy kicks in to cover the remaining costs. Your excess could depend on who was driving at the time, with younger or inexperienced drivers expected to pay more. Excesses may also be applied to things like windscreen cover, which is a pretty big factor for those of you in Western Australia frequently travelling on unsealed roads.

    Nowadays, you'll often have the choice of excess, which means you can choose exactly how much you’re due to pay to unlock your policy. While it might seem like a great idea to set this amount super low, it is important to remember that a lower excess will likely result in a higher annual premium and vice versa.

    What’s the difference between ‘market value’ and ‘agreed value’ in WA? 

    If your car is written off, how much you’re paid depends on whether you opted for an agreed or market value. As standard on most comprehensive policies, ‘market value’ will deliver the amount a car of a similar make and model (with similar distance travelled) would fetch on the open market at the time of the accident.

    You might have the opportunity to set an ‘agreed value’, which means you’ll be paid out a fixed fee for your car if it is written off. This is a good idea if your wheels are more valuable or if you've poured more money into the car with mods and extra features after driving it off the lot.

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

    If you’ve got your comprehensive car insurance policy sorted, you’re going to want to know what is involved in making a claim.

    It's a good idea to have the following details written down at the time of the incident to back up your claim :

    • The date, time and location of the incident
    • The other driver’s details (including the phone and licence numbers)
    • Any statements from witnesses or other involved road-users.
    • Any photo evidence
    • A police report (if applicable)

    When it comes to actually starting the claims process, the easiest option is to lodge and keep track of your claim online. If you prefer a human touch, you also have the option of picking up the phone to contact your provider.  It is worth remembering you’ll have to pay an excess to get the wheels rolling on your claim, and by doing so your future premiums could rise.

    Are there different kinds of car insurance for different states and territories?

    Most car insurance companies operate Australia-wide, but you can choose a WA-centric provider for more tailored cover. If you are looking to compare car insurance policies in a specific state or territory, Mozo has the details on localised providers outside the sunshine state, including those in:

    Is there special car insurance for some car makes and models? 

    Specific car insurance isn't required for certain car brands, but there could be policies which may be better suit to you and your car.

    To  better understand the insurance costs associated with some popular cars, read up on annual premiums across various models, as well as insurance trends around:

    Picture of Olivia Gee
    Olivia Gee
    Money writer

    As a finance journalist 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 edits content for the Mozo Experts Choice Awards, and creates audible finance adventures as co-host of Mozo’s podcast, The Finance Burrito.

    Car Insurance Reviews

    Suncorp Insurance Car Insurance
    Overall 1/10
    Disappointed from service

    I’d like to let you know this is the worst insurance mob in the world. My accident happened over 3 weeks ago and wasn’t at fault at all! Someone else done damage to my car and am calling to Suncorp insurance to everyday for my car but nobody have not gave a response and always just asking same questions and they didn’t find any solutions. Your company is fuckin beyond a joke I wouldn’t recommend this company to anyone! Your service is shit. I have nothing nice to say at all!

    Read full review

    I’d like to let you know this is the worst insurance mob in the world. My accident happened over 3 weeks ago and wasn’t at fault at all! Someone else done damage to my car and am calling to Suncorp insurance to everyday for my car but nobody have not gave a response and always just asking same questions and they didn’t find any solutions. Your company is fuckin beyond a joke I wouldn’t recommend this company to anyone! Your service is shit. I have nothing nice to say at all!

    Value for money
    1/10
    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Man, Northern Territory, reviewed 1 day ago
    Suncorp Insurance Comprehensive Car Insurance
    Overall 1/10
    Very unsatisfied

    Poor service , and claims process, purchased a vehicle on financed back in July/ august , as of 8th of November 2021 The steering wheel locked up and the engine caught on fire, this was at 5 15 pm, so after fire was put out, I proceeded to contact Suncorp, I literally was on hold for almost 4 hours, as it was getting dark I had no hazard lights as the fire ripped through some wiring, then i finally got a response, I was told to call a tow truck, by the time tow truck turned up, it was nearing 10pm at night, so car got towed off to repairer, I didn’t get offered a rental car in the meantime, so had to figure out how to commute to work, got told they wanted a 850 excess fee, so I paid, a week goes by and the vehicle is unrepairable total loss They ring me up and tell me that they will pay out finance company which wasn’t enough to cover loan and then proceeded to close the claim, while I’m left with a shortfall to pay for the loan, with a vehicle I don’t have, they did nothing to reassure me, contacted the dealership, they explained it’s out of there hands, and all liability is with the insurance company, when I insured the vehicle, so got shafted by Suncorp and dealership with no vehicle and debt to pay

    Read full review

    Poor service , and claims process, purchased a vehicle on financed back in July/ august , as of 8th of November 2021 The steering wheel locked up and the engine caught on fire, this was at 5 15 pm, so after fire was put out, I proceeded to contact Suncorp, I literally was on hold for almost 4 hours, as it was getting dark I had no hazard lights as the fire ripped through some wiring, then i finally got a response, I was told to call a tow truck, by the time tow truck turned up, it was nearing 10pm at night, so car got towed off to repairer, I didn’t get offered a rental car in the meantime, so had to figure out how to commute to work, got told they wanted a 850 excess fee, so I paid, a week goes by and the vehicle is unrepairable total loss They ring me up and tell me that they will pay out finance company which wasn’t enough to cover loan and then proceeded to close the claim, while I’m left with a shortfall to pay for the loan, with a vehicle I don’t have, they did nothing to reassure me, contacted the dealership, they explained it’s out of there hands, and all liability is with the insurance company, when I insured the vehicle, so got shafted by Suncorp and dealership with no vehicle and debt to pay

    Policy coverage
    1/10
    Customer service
    1/10
    Claims handling
    1/10
    Trust
    1/10
    Less
    Hamish, Victoria, reviewed 1 day ago
    AAMI Comprehensive Car Insurance
    Overall 2/10
    Aami = too big, forgotten customer service

    Remember "Lucky your with aami" ?? I did not feel lucky appon making a claim. It should not take 7 phone calls before my claim could start to get processed! Then gave me the run around including too inflexible about where repairs are done. This company has gotten too big to be able to provide proper customer service. LOOK ELSEWHERE! I WILL Be.

    Read full review

    Remember "Lucky your with aami" ?? I did not feel lucky appon making a claim. It should not take 7 phone calls before my claim could start to get processed! Then gave me the run around including too inflexible about where repairs are done. This company has gotten too big to be able to provide proper customer service. LOOK ELSEWHERE! I WILL Be.

    Value for money
    3/10
    Policy coverage
    6/10
    Customer service
    2/10
    Claims handling
    2/10
    Trust
    2/10
    Less
    Damien, South Australia, reviewed 1 day ago

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