Compare Car Insurance Australia: Save up to 15% online
We take the guesswork out of car insurance by helping you compare car insurance policies all in one place, while providing heaps of additional resources - so read on!
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Last updated 21 November 2024Important disclosures
Important information on terms, conditions and sub-limits.
Disclaimer
Important information on terms, conditions and sub-limits
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.
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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.
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.
New car if written off
Yes - within 2 years and a listed driver is the first registered owner
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $50 for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
Unlisted and aged 25 and over: $700, Unlisted and aged under 25: $2,000, Listed and aged under 25: $600
Roadside assistance
Yes
Other benefits
-
Other restrictions
-
States where offered
SA VIC TAS NSW ACT QLD WA
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.
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
QBE’s Comprehensive Car Insurance covers you for things like accident damage, fire and theft. Enjoy three year new car replacement. Get a hire car if you’re not at fault. Repair guarantee. Save $75 when you apply online.
New car if written off
Yes - within 3 years and 60,000 km of original registration
Rental car after theft
Yes - Up to 14 days.
Rental car after accident
Not at fault - yes. At fault - Optional Extra. Up to 14 days.
Windscreen cover
Yes - standard excess ($0 excess for repair only). Option to reduce windscreen replacement excess to $0 for an additional premium.
Modifications
Automatically covered.
Young driver excess imposed
$700 for listed drivers under 25, $2,000 for unlisted drivers under 25.
Roadside assistance
No
Other benefits
-
Other restrictions
-
States where offered
SA VIC NT TAS NSW ACT QLD WA
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.
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.
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.
New car if written off
Yes - within 2 years or 40,000 kilometres of original registration, whichever comes first
Rental car after theft
Yes - Up to 14 days, max $1,000 total.
Rental car after accident
Not at fault - Yes. At fault - Optional Extra. Up to 14 days for at fault accidents.
Windscreen cover
Yes - standard excess. Option to reduce windscreen excess to $40 on every windscreen claim for an additional premium.
Modifications
Covered only if agreed in writing.
Young driver excess imposed
$600 for drivers under 21, $500 for drivers under 24, $600 for unlisted drivers, $500 for inexperienced drivers.
Roadside assistance
Optional Extra
Other benefits
-
Other restrictions
-
States where offered
SA VIC TAS NSW ACT QLD WA
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.
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
Yes
Choice of repairer
No
Choice of excess
$800 Flat Excess Fee
Agreed or market value
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. T&Cs Apply.
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).
New car if written off
Yes - within 15,000km of original registration
Rental car after theft
Yes - Up to 21 days, max $80 per day after a covered event
Rental car after accident
Yes - Up to 21 days, max $80 per day after a covered event
Windscreen cover
Yes - one claim can be made per Insurance Period, with $0 windscreen excess
Modifications
Covered only if agreed in writing.
Young driver excess imposed
No additional excess for young drivers. $3,000 for unlisted drivers
Roadside assistance
No
Other benefits
Optional benefit to boost the Single Car Value by 15%, it will be shown on your Insurance Certificate
Other restrictions
-
States where offered
SA VIC NT TAS NSW ACT QLD WA
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.
*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.
Car Insurance Snapshot: November 2024
Updated by: Brad Buzzard, Senior Money Writer, 31 October 2024
How much does car insurance cost?
Our 2024 Mozo Car Insurance Report found that the average Aussie pays $1,717 per year on car insurance. Keep in mind this includes all levels of cover, so lower levels of cover will generally be cheaper.
But the fact is, the cost of a car insurance policy can change significantly depending on the level of car insurance you choose, and a variety of behavioural and situational factors unique to each policyholder.
For a clearer picture, we invite you to get some free quotes for yourself. Start by comparing options in our table at the top of this page. Don’t forget to apply any relevant discounts such as:
Valuable discounts running in November 2024 (T&Cs apply)
Virgin Money Car Insurance | Save up to 15% on your first year's premium when you buy online, plus earn 10k Velocity points if you buy before 31 January 2025 and hold your policy for at least 6 months.
Rollin’ Comprehensive Car Insurance | The Safe ‘n Save app rewards safer driving using telematics. Recently rolled out for private car use, it is a completely optional - and potentially lucrative - feature.
Qantas Comprehensive Car Insurance | Open a new policy online, keep it active for 60 days, and earn up to 40,000 Qantas Points based on your premium. Opening online also gives you a 15% discount. Plus, you’ll earn 1 Qantas Point per $1 spent on premiums and up to 2,600 extra points each year by completing car safety checks in the Qantas Wellbeing App.
A new or recent model car is likely to be the second biggest purchase you’ll make in your life. So, it’s worth protecting with comprehensive car insurance. But let’s be honest, while cars are amazing, both for what they are and what they enable you to do, researching car insurance options can take some of the shine off your experience.
Annual or monthly premiums, no-claim bonuses, high or low excess, online discounts, new for old replacement, the options and details can be dizzying. Which is why so many people don’t even look at their policies before renewing.
But a bit of research can save you plenty. At Mozo, we’ve done all the digging for you - sifting through policies to make them easy to compare. We break them down so you can see the features that are important to you like windscreen damage, rental car during repairs, and if younger drivers are covered on your policy.
Head to Mozo.com.au to compare car insurance policies and find the right insurance for you and your car - and save your hard earned cash for other purchases.
How does car insurance work?
A car insurance policy is a contract between you and your insurance provider. You pay the premium, the provider covers you for damages covered under your policy.
Here are the main concepts you need to understand how car insurance works.
Your level of cover
In Australia, you'll generally come across four types of car insurance, and each covers you for different vehicle-related incidents. The level of cover you choose determines what combination of damages you’re covered for: your car, their car, other types of property, injuries or some combination of these.
Compulsory third party (CTP). Also called a green slip, CTP is mandatory in all states. This at-fault driver’s CTP insurance will cover the medical costs of anyone injured in the accident.
Comprehensive. The first of three optional policies you’ll add your CTP. It provides the most extensive coverage, including accidental damage, theft and liability for injury to other people or property.
Third-party fire and theft (TPFT). If comprehensive isn’t up you’re alley, the option providing the next highest level of cover is third-party fire and theft. This covers you for damage to other people's cars and property, as well as your own car if it's stolen or damaged by fire.
Third-party property (TPP). The lowest-tier option is third-party property only. It covers the damage that your car causes to other peoples' car or property.
💡 When your policy covers you for damages it can refer to:
Damages to your car (caused by you or by nature)
Financial damages you incur by damaging someone’s car or property with your car
Financial damages you incur by injuring yourself, another person or animal with your car
Damage uninsured drivers cause to your car
Exactly which of these you're covered for depends on your level of cover.
If an insured driver causes damage to you, that’s when their insurance kicks in. But it’s still important to keep your insurance company in the loop so they can help work on your behalf.
The car insurance excess
When your insurance company pays a claim according to your policy, you usually share a small portion of the costs. Your portion is called the excess. Here are some key points to remember about excesses.
The excess amount. Most policies offer a range of excess amounts you can choose from. A higher excess means lower premiums since you’ll be paying more toward any claim…and vice versa. Most policies offer a range of about $500-$2000 for your standard excess, although you will find some that offer as low as $0 or as high as $5000.
Additional excesses. The standard excess applies whenever you need to claim, regardless who is driving the car. But additional excesses can be stacked on top of this for things like unlisted drivers and young and/or inexperienced drivers.
The premium is how much your policy costs, paid either monthly or yearly - sometimes with a discount if you pay yearly. It’s calculated based on your level of cover, the excess and a whole host of behavioural and situational factors including:
Situational factors
Behavioural factors
Your age
How much you drive
Your gender
Your driving history
Your postal code
Your claims history
The car you drive
Your parking arrangements
Any discounts and bonuses
How to compare car insurance quotes
These days, the process of getting quotes and choosing a car insurance policy is easier than it’s ever been. Within the time it takes you to finish your coffee, you can narrow down your options, compare a few quotes and dig into the finer details of your soon-to-be policy.
The streamlined approach goes like this:
Create your shortlist. Scroll to the table at the top of the page where we list out more than 50 policies and highlight the major features of each. Create a shortlist of the car insurance policies you like the best.
Get quotes. Fill out the insurance company’s online quote form with all relevant details about you and your car.
Read the PDS. If you like the price and features from 1 or 2 of your quotes, skim through the product disclosure statements (PDS) of the ones you like to get a little better feel for these policies. The next section explains more about how to locate and read a PDS.
If you’ve entered in all of the correct details, including your rego, driver’s licence number and you don’t have any major driving infractions that might be especially concerning, you can often buy your policy immediately after getting your online quote.
But don’t be alarmed if you’re prompted to contact the insurance company if they need more information to complete your purchase.
💡 Top tip. Use quotes for research. It’s obligation-free, quick and straightforward. You just fill in the details, click ‘get quote’ and within seconds you’ll get an estimate of your premium.
It’s completely up to you if you want to take the next steps and make the purchase.
PDS stands for Product Disclosure Statement, and it basically outlines in detail the contractual obligations and responsibilities of both you and the insurer.
There you’ll find what you’re covered for (and not covered for), how much cover it gives you, and under what circumstances you’re entitled to a claim - as well as what could void your cover. Think of it as your policy’s single source of truth.
Thanks to financial regulations, you can access the PDS of any car insurance policy on their website, whether you’re a member or not.
💡 Top tip. Downloading and leafing through the PDSs of any policy you’re considering is a great way to understand these policies in a more organised and comprehensive manner, versus browsing car insurance websites.
The insurer will usually have a link at the bottom of their policy page, which leads to a section of the site where you can download the PDS of any live policy.
Or you can use our table above to compare major high-level features, and then consult the PDS of those you are interested in.
Getting into an accident or suffering other damage
Let’s call this the incident phase, since car accidents aren’t the only type of incident you might need to claim for - weather-related damage and theft are other examples of car-related incidents that can cause damage.
The way you respond after an accident plays a key role in all the investigations, reports, negotiations and settlements that follow.
That’s where documentation is of utmost importance. It helps you back-up your claims and it helps your insurance company advocate on your behalf in potential disputes over who’s at fault.
Documenting a car accident. In any accident, your fault or not, you need to take proper precautions to avoid further damage and to document everything. Our handy guide on what to do after a car accident explains how to go about documenting the evidence you need following an accident.
Documenting weather-related damage. If you’re covered for weather-related damage, take pictures of the damage and jot down any weather events for that location and time.
Documenting theft. If someone steals your car, go straight to the police and file a report. Then contact your insurance and await further instructions from both.
Your policy may have separate conditions for minor mishaps (eg, a pebble cracks your windshield). Your PDS should explain what to do in these situations. Or call your insurance company directly.
Making a car insurance claim
Making a claim is how you ask your insurance company to keep their promise and cover the costs of an incident that’s covered by your policy. Submitting one involves notifying your insurer of the accident, filling out your insurer’s claim form, including all required documentation and submitting a claim.
There are multiple ways to submit including online and via email, but we recommend calling your insurer first, especially if it’s a major accident where you’ll need guidance on what to do and not do in those immediate circumstances.
💡 Top tip. If you ring your provider at the phone number listed in the PDS, they can open your claim right away, provide you with a case number and help advise you on the best way to submit your documentation based on your circumstances.
This is when your policy approves or denies your claim, and pays out the damages that satisfy the conditions of your policy. This takes place after they’ve investigated the circumstances of the incident, reviewed all the evidence, consulted with third parties like the police or other guy’s insurance company, assessed damages and arrived at a decision.
If they deny your claim or you disagree with certain other decisions, you have two opportunities to appeal, in this order:
Internal appeals process. The insurance company will have an internal disputes resolution department, entirely separate from the department that originally denied your claim. The first step is to appeal to them. The process will be outlined in your PDS.
Australian Financial Complaints Authority. If that doesn’t work, the AFCA provides free and independent complaints service . Just come prepared with all your evidence and make sure you have your facts straight.
What’s the best car insurance?
When our expert insurance experts and analysts evaluate policies to determine the best car insurance policies in Australia, we place them into two categories:
Exceptional value. Policies that hit that sweet spot between price and the must-have features.
Exceptional quality. Policies that stand out for their generous perks and flexible options, price aside.
Your idea of best may differ from someone else’s, so decide which category describes you best. Then check out our top picks in those categories featured on our 2024 Mozo Experts Choice Awards page at the link below.
You can’t go wrong checking out our Exceptional Value picks mentioned above. They’re the cheapest we’ve found based on our requirement that they contain all the essential features most drivers need.
But if you want more help, our guide to cheap car insurance can help you bring your premiums even lower.
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.
Yes, if you drive interstate for a holiday or short-term period, your car insurance will be valid if you suffer a covered incident.
If you're planning on spending a lot of time away from your registered address it's a good idea to check with your insurance company to see if they have any limits on the number of days you can be out of the state and still be covered.
Most car insurance companies operate Australia-wide, but if you are looking to compare car insurance policies specifically in your state, Mozo has the details on localised providers, including those in:
Depending on which company you go with, your child may or may not already be automatically covered. If they’re not, you will have to update your policy either online or over the phone to include them. I should all be outlined in the PDS.
Only if you purchase your own car that's registered in your name. If you’re under 25 you can usually stay on your parents' insurance policy if you are driving a family car. Buying your own young drivers car insurance policy will probably be more expensive since insurance companies factor how much driving experience you have into your premium.
If you're using your car for work, you might be able to claim some of your car insurance on your taxes. To do that, you'll need to figure out what percentage of your driving is for work and what's just for fun.
You can either keep a logbook of your work trips and mileage or use the cents-per-kilometre method that the ATO outlines. When in doubt, check the ATO website for the specifics on how to make it all legit.
Engine failure and other mechanical issues generally aren't covered by your typical car insurance policy unless it‘s the result of damage covered under your claim (like an accident)
That's because it’s often chalked up to normal wear and tear, which insurance doesn't touch.
However, if you have a car under warranty, you might be able to get the engine failure sorted through that avenue. Always read the terms of your warranty and car insurance PDS to know exactly what's covered and what's not.
The quick answer is no, your own car insurance typically doesn't cover you to drive someone else's car. However, you're most likely covered under that car owner's insurance policy if you have permission to drive it.
Keep in mind that the car owner might be responsible for any 'unlisted driver' excess fees if you're not listed on their policy and something happens. If you find yourself driving someone else's car regularly, it could be a good idea for them to list you on their policy to avoid those extra fees.
Car Insurance Reviews
RAA Comprehensive Car Insurance
Overall 6/10
RAA Very expensive. Look around other Canstar Coy'
My car us 1 yr older, therefore worth less than a year ago. Yet RAA increased my renewal to over $1600 for my Mitsubishi Eclipse SUV.
I have been with RAA for decades, have never made a claim and drive only around 7,000km a year. My car is 3 yrs old.
I have now gone to a 5Star Canstar company and is $700 cheaper than RAA.
My car us 1 yr older, therefore worth less than a year ago. Yet RAA increased my renewal to over $1600 for my Mitsubishi Eclipse SUV.
I have been with RAA for decades, have never made a claim and drive only around 7,000km a year. My car is 3 yrs old.
I have now gone to a 5Star Canstar company and is $700 cheaper than RAA.
Kerry,
South Australia,
reviewed about 18 hours ago
Bingle Comprehensive Car Insurance Policy
Overall 1/10
WARNING: Bingle Insurance is a scam
WARNING: Bingle Insurance is a scam, and I wouldn't trust them to insure anything, let alone your car. Bingle Insurance is using deceitful tactics to profit at your expense. They rushed my vehicle to auction while still in the middle of my claim, pressured me into paying a $1,800 excess even though I was not at fault, and attempted to pocket more money by double-charging GT Insurance while giving me only a fraction of what I was owed. Their “New for Old” offer is a scam. They will exploit every loophole to benefit themselves—even at the cost of their clients. If you’re unlucky enough to deal with them, get a lawyer, because that's the only way you’ll survive their dishonest practices. I wouldn’t be surprised if they played dirty with you, too, and after the way I’ve been treated, I wouldn’t trust them as far as I could throw them.
WARNING: Bingle Insurance is a scam, and I wouldn't trust them to insure anything, let alone your car. Bingle Insurance is using deceitful tactics to profit at your expense. They rushed my vehicle to auction while still in the middle of my claim, pressured me into paying a $1,800 excess even though I was not at fault, and attempted to pocket more money by double-charging GT Insurance while giving me only a fraction of what I was owed. Their “New for Old” offer is a scam. They will exploit every loophole to benefit themselves—even at the cost of their clients. If you’re unlucky enough to deal with them, get a lawyer, because that's the only way you’ll survive their dishonest practices. I wouldn’t be surprised if they played dirty with you, too, and after the way I’ve been treated, I wouldn’t trust them as far as I could throw them.
RAC are credible and their “saturate” marketing technique works. In addition RAC has shown it cares about WA and safety on our roads. However their premiums are not as competitive and, in my experience and some that I know, RAC will try to wriggle out of paying out. It also is known for ripping off young drivers with high excesses without justification and they don’t care if you don’t like it. So essentially they look good in front of the cameras but in reality they are there to make profit and don’t really care.
RAC are credible and their “saturate” marketing technique works. In addition RAC has shown it cares about WA and safety on our roads. However their premiums are not as competitive and, in my experience and some that I know, RAC will try to wriggle out of paying out. It also is known for ripping off young drivers with high excesses without justification and they don’t care if you don’t like it. So essentially they look good in front of the cameras but in reality they are there to make profit and don’t really care.
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
We provide only general advice
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 Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Disclaimer
Who we are and how we get paid
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.
'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
Important information on terms, conditions and sub-limits
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.
