Australia insurance comparison

Compare car insurance in Australia

Compare Australian car insurance providers, roadside assistance options, agreed or market value cover and key policy features before you request a quote.

Featured car insurers to compare first

Start with well-known Australian car insurers before you request a quote.

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Compare value

Check agreed vs market value

Agreed value can give you more certainty, while market value may reduce premiums but can change over time.

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Check extras

Look at roadside and optional add-ons

Roadside assistance, hire car cover and windscreen add-ons can make a big difference in day-to-day value.

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Know the fine print

Compare excess and exclusions carefully

The cheapest premium is not always best if the excess, repair options or exclusions do not match your needs.

20 insurers listed

Comprehensive

Finder’s summary: Australian Seniors’ comprehensive policy includes complimentary hire car for a stolen car, up to $1,000 for a damaged trailer or caravan, up to $500 for emergency travel and accommodation cover. Who it might be good for: People over 50 years old looking for flexible cover options.

Roadside assistance Optional
Accidental damage Yes
Agreed

Policy type

Comprehensive

cover level

Roadside

Optional

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed

claim value basis

Comprehensive

Bingle car insurance delivers decent coverage across the basics, such as damage to your car, theft and storms. Who it might be good for: Drivers looking for a no-frills policy with accessible coverage options.

Accidental damage Yes
Market

Policy type

Comprehensive

cover level

Roadside

--

included or optional

Accidental damage

Yes

damage cover

Value type

Market

claim value basis

Comprehensive

Budget Direct Comprehensive is highly commended as a feature-packed car insurance. It's cheaper than most, plus you can lower costs by adding age restrictions.Who it might be good for: Anyone who wants a good value policy.

Roadside assistance Optional
Accidental damage Yes
Agreed or Market

Policy type

Comprehensive

cover level

Roadside

Optional

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed or Market

claim value basis

Comprehensive

Huddle's comprehensive policy will cover you if your vehicle is damaged or lost as a result of a collision, a natural event, a malicious act, theft or fire. It also includes up to $500 for essential repairs. Who it might be good for: Someone who drives less than 15,000 km a year can opt for Pay As You Drive cover.

Roadside assistance Optional
Accidental damage Yes
Agreed or Market

Policy type

Comprehensive

cover level

Roadside

Optional

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed or Market

claim value basis

Comprehensive

A policy with high benefit limits included as standard with plenty of optional add-ons. Who it might be good for: Drivers who like the ability to tailor their cover with lots of optional extras like windscreen damage and roadside assistance.

Roadside assistance Optional
Accidental damage Yes
Agreed or Market

Policy type

Comprehensive

cover level

Roadside

Optional

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed or Market

claim value basis

Comprehensive

Kogan comes with all the perks that most comprehensive car insurance policies include, but you’ll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online. Who it might be good for: Kogan shoppers and those after a good range of policy options.

Roadside assistance Optional
Accidental damage Yes
Agreed or Market

Policy type

Comprehensive

cover level

Roadside

Optional

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed or Market

claim value basis

Comprehensive

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).

Accidental damage Yes
Agreed or Market

Policy type

Comprehensive

cover level

Roadside

--

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed or Market

claim value basis

Comprehensive

Qantas Comprehensive

| Qantas Car Insurance

You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct). Who it might be good for: People who want more bang for their buck with Qantas Points.

Roadside assistance Optional
Accidental damage Yes
Agreed or Market

Policy type

Comprehensive

cover level

Roadside

Optional

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed or Market

claim value basis

Comprehensive

RACV Comprehensive offers member-based car insurance with flexible cover options and solid inclusions, depending on your level of cover.Who it might be good for: VIC drivers seeking customisable cover with strong benefits and potential member perks.

Accidental damage Yes
Agreed or Market

Policy type

Comprehensive

cover level

Roadside

--

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed or Market

claim value basis

Comprehensive

One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.

Accidental damage Yes
Agreed

Policy type

Comprehensive

cover level

Roadside

--

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed

claim value basis

Comprehensive

Real Comprehensive Car Insurance provides similar coverage to other insurers for the important stuff like looking after your car if it's stolen or you crash. It's also one of the few insurers who offer a Pay As You Drive policy, so you might be able to save big if you don't drive much. Who it might be good for: Those that don't drive much can take advantage of its Pay As You Drive policy.

Roadside assistance Optional
Accidental damage Yes
Agreed

Policy type

Comprehensive

cover level

Roadside

Optional

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed

claim value basis

Comprehensive

A great value policy with exceptional customer service. It also automatically includes roadside assistance with comprehensive policies in its price - a feature that typically costs upwards of $90 per year.

Roadside assistance Yes
Accidental damage Yes
Agreed or Market

Policy type

Comprehensive

cover level

Roadside

Yes

included or optional

Accidental damage

Yes

damage cover

Value type

Agreed or Market

claim value basis

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Car insurance questions

What to know before comparing car insurance

What should I compare before buying car insurance?

Start with the cover type, whether roadside assistance is included, whether the policy uses agreed or market value and which optional extras matter to you.

What is the difference between agreed value and market value?

Agreed value is a figure you and the insurer accept when you take out cover, while market value is based on the insurer’s estimate of what the car is worth at claim time.

Is roadside assistance always included in comprehensive cover?

No. Some insurers include roadside assistance as part of comprehensive cover, while others offer it as an optional extra or separate add-on.

Does the cheapest car insurance always offer the best value?

Not always. A cheaper premium can come with fewer inclusions, less flexibility around repairs or lower value protection at claim time.

Why do car insurance quotes change from driver to driver?

Premiums can vary based on your age, location, car type, driving history, excess level and the cover options you select.

What should I check before clicking through to an insurer?

Review the product disclosure statement, the excess, included benefits, optional extras and the basis used to value your car before requesting a quote.