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. 

Car insurance comparisons on Mozo - page last updated September 27, 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 premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $500 - $1,850
    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

    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 premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $400 - $1,850 (varies By State)
    Agreed or market value
    Car coin icon
    Agreed Or Market

    Available discounts

    • No Claim Discount
      Compare
    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 premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $800 - $2,000
    Agreed or market value
    Car 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 premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    Optional Extra
    Choice of excess
    coins icon
    $500 - $1,850
    Agreed or market value
    Car 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 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

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

    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 premiums
    Calendar icon
    Yes Costs Extra
    Choice of repairer
    tools icon
    No
    Choice of excess
    coins icon
    $500 - $2,000
    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.
      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 premiums
    Calendar icon
    Yes
    Choice of repairer
    tools icon
    Yes
    Choice of excess
    coins icon
    $600 - $1600 (varies By State)
    Agreed or market value
    Car 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 premiums
    Calendar icon
    Yes Costs Extra
    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

    • 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.

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, your insurer 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.
  • 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?

One of the easiest ways to save on your comprehensive car insurance premium 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 insurer 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 insurers 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 insurers 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 insurer 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

More car insurance FAQs

What is covered by a Western Australian car insurance policy?  

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

What are optional extras? 

Some common optional inclusions are:

  • 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 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)  

What's generally not covered?

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

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 for an insurer to provide you with comprehensive car insurance. Each insurer 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 insurers offer cheaper premiums for Aussies who don’t use their cars often.

How do I pay my car insurance premium?

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. While it is generally the norm, some insurers will give you the option to pay your premium weekly, fortnightly or monthly at no extra cost (others may slap an additional fee on).

What is an 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, most insurers will give you 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’? 

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 come to an ‘agreed value’ with your insurer, 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?

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.

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. 

Car Insurance Reviews

RACQ Car Insurance review
Overall 10/10
Great customer service.

Easy to call and change policy.

Read full review

Easy to call and change policy.

Value for money
7/10
Policy coverage
10/10
Customer service
10/10
Trust
10/10
Less
Peter, Queensland reviewed 1 day ago
GIO Car Insurance review
Overall 10/10
Great value for money.

I love my coverage as in the event my car is a total loss, I am insured to receive a brand new car.

Read full review

I love my coverage as in the event my car is a total loss, I am insured to receive a brand new car.

Value for money
10/10
Policy coverage
10/10
Customer service
10/10
Claims handling
10/10
Trust
10/10
Less
Geoffrey, New South Wales reviewed 1 day ago
ING Comprehensive Car Insurance review
Overall 8/10
ING Black Horse?

This insurer communicates with us and isn't annoying trying to sell us more things. We are really happy and it's been cheap.

Read full review

This insurer communicates with us and isn't annoying trying to sell us more things. We are really happy and it's been cheap.

Value for money
8/10
Policy coverage
9/10
Customer service
8/10
Less
Andrea, Queensland reviewed 1 day ago