Compare Car Insurance Australia: Save up to 15% online

We take the guesswork out of car insurance by letting you compare car insurance policies all in one place, while providing heaps of additional resources - so you can step into the decision-making process with confidence.

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Car insurance comparisons on Mozo

Mozo may receive payment if you click to the website of one of the products below. Mozo does not compare the entire market, but you can see more products by clicking on the ‘See more’ button under the table.
Last updated 13 July 2024Advertiser disclosure
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.

    Monthly premiums
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    Yes Costs Extra
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    Optional Extra
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    $400 - $2,500
    Agreed or market value
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    Agreed Or Market

    Available discounts

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    • Comprehensive Car Insurance

      ROLLiN’ put their customers in the driver’s seat by offering great value comprehensive car insurance with no additional excess for young drivers. Zero cancellation fees, 24/7 claims support via phone and a policy paid monthly. Plus, you can list multiple cars and drivers under the one policy, as long as they fit the underwriting criteria

      Monthly premiums
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      Yes
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      No
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      $800 Flat Excess Fee
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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
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        $550 - $1,900 (varies By State)
        Agreed or market value
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        Agreed Or Market

        Available discounts

        • No Claim Discount
        • Online Discount Up To 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). Get $100 off your first year's premium when you buy Comprehensive Car Insurance online. T&Cs apply.

        Monthly premiums
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        Yes Costs Extra
        Choice of repairer
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        Optional Extra
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        $500 - $2,200
        Agreed or market value
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        Agreed Or Market

        Available discounts

        • Online Discount $75
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      • Seniors Car Insurance

        TrueCover is run for people, not profit. TrueCover provides comprehensive cover tailored to Australians over 50 years of age. Includes roadside assistance, ambulance cover, no maximum driver age, death/funeral benefit, new car replacement and an Australian-based contact centre. Insurance not offered in NT.

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        No
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        No
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        $500 - $2,500 (varies By State)
        Agreed or market value
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        Agreed

        Available discounts

        • Price Beat Offer Available For Eligible Drivers Over 50 Years Old Switching From A Comparable Policy With The Code ‘SENIORS’. T&Cs Apply.
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      • Comprehensive Car Insurance

        Covers damage caused in an accident, weather events, fire and theft, plus damage your car causes to other people’s vehicles and property. Choose to add on a number of optional extras. Score $115 off new online Comprehensive Car Insurance policies (T&Cs apply). $10 monthly kogan.com credit (T&Cs apply).

        Monthly premiums
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        Yes Costs Extra
        Choice of repairer
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        Yes, Optional Extra
        Choice of excess
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        $500 - $2,300
        Agreed or market value
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        Agreed Or Market

        Available discounts

        • Online Discount $80 Off New Online Comprehensive Car Insurance Policies.
        • $10 Monthly Kogan.com Credit For Every Month For Policy Is Active.
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      ^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.

      Car Insurance Snapshot: July 2024

      How much does car insurance cost?  

      Our 2023 Mozo Car Insurance report found that the average Aussie pays $1,472 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 July 2024 (T&Cs apply)


      Mozo tracks over 50 comprehensive car insurance policies. So if you’re looking for a place to start your search, a good place might be with the winners of the 2023 Mozo Experts Choice Car Insurance Awards^ which showcases the best car insurance in Australia.

      Compare car insurance

      Show transcript

      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.

      LEARN MORE ABOUT EXCESS

      The car insurance premium

      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:

      1. 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.

      2. Get quotes. Fill out the insurance company’s online quote form with all relevant details about you and your car.

      3. 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.

      LEARN MORE ABOUT QUOTES

      The car insurance PDS

      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.

      LEARN HOW TO READ A PDS

      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.            

      LEARN WHAT TO DO AFTER 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.  

      LEARN MORE ABOUT THE CLAIMS PROCESS

      Settling a car insurance claim

      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:

      1. 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.

      2. 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 2023 Mozo Experts Choice Awards page.

      CHECK OUT OUR TOP PICKS

      What’s the cheapest car insurance?

      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.

      CHEAP CAR INSURANCE GUIDE

      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.

      Other key FAQs about car insurance

      Will my insurance be valid Australia-wide?

      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:

      Can I add my children and learner drivers to my policy?

      Yes, you can have a learner driver listed on your car insurance policy.

      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.

      Do I need my own car insurance policy when I get my P-plates?

      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.

      Are car insurance premiums tax deductible?

      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.

      Will car insurance cover engine failure and mechanical faults?

      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.

      Will my insurance cover me to drive other cars?

      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

      AAMI Comprehensive Car Insurance
      Overall 9/10
      Great company with great products and services

      I had recently joined AAMI when I was involved in an accident. The process to log and finalise theClaim was very good. I would recommend AAMI as a trustworthy company with great products and services

      Read full review

      I had recently joined AAMI when I was involved in an accident. The process to log and finalise theClaim was very good. I would recommend AAMI as a trustworthy company with great products and services

      Value for money
      8/10
      Policy coverage
      8/10
      Customer service
      10/10
      Claims handling
      10/10
      Trust
      8/10
      Less
      Ken, Victoria, reviewed 4 days ago
      ahm Car Insurance
      Overall 9/10
      ahm Is The Best Value For Money, Cover & Ease

      I love ahm! I have Car and Health Insurance with them and because I have both I have a discount too! They also offer a youth discount which is great! I use the pay as you go (set kms per year) option for my car insurance which is perfect for me since I only pay for how much I drive and I’m fully covered. Compared to other insurances, this one was the best in value and price. I know young drivers are penalised more because of their inexperience, but being 24 with no accidents in six years of driving I’m glad that ahm can recognise that, and treat me fairly. Their customer service is amazing, their app and website are easy to use and navigate, and they have lots of information sheets that you can read through. Everything is clear, concise, and easy to understand for the regular person with no legal jargon. I truly have no complaints - only that price could be nonexistent lol but it’s already way cheaper than any competitor and insurance is kind of a necessity.

      Read full review

      I love ahm! I have Car and Health Insurance with them and because I have both I have a discount too! They also offer a youth discount which is great! I use the pay as you go (set kms per year) option for my car insurance which is perfect for me since I only pay for how much I drive and I’m fully covered. Compared to other insurances, this one was the best in value and price. I know young drivers are penalised more because of their inexperience, but being 24 with no accidents in six years of driving I’m glad that ahm can recognise that, and treat me fairly. Their customer service is amazing, their app and website are easy to use and navigate, and they have lots of information sheets that you can read through. Everything is clear, concise, and easy to understand for the regular person with no legal jargon. I truly have no complaints - only that price could be nonexistent lol but it’s already way cheaper than any competitor and insurance is kind of a necessity.

      Value for money
      10/10
      Policy coverage
      10/10
      Customer service
      10/10
      Trust
      9/10
      Less
      Stephanie, Victoria, reviewed 4 days ago
      Youi Comprehensive Car Insurance
      Overall 9/10
      Excellent service and competitive price.

      So friendly on the phone and so easy to access help. Provide help to cut your fees. Excellent service. Excellent. And competitive price.

      Read full review

      So friendly on the phone and so easy to access help. Provide help to cut your fees. Excellent service. Excellent. And competitive price.

      Value for money
      9/10
      Policy coverage
      9/10
      Customer service
      9/10
      Claims handling
      9/10
      Trust
      9/10
      Less
      Elisabeth, New South Wales, reviewed 4 days ago

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