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Last updated: 08 November 2018

We review 41 comprehensive car insurance policies from 33 insurers to help you find the best cover for your ride. CHOICE members can see the recommended policies that offer a high level of cover at a good price.

Unlike some other car insurance comparison sites, we review the biggest brands on the market – Allianz, NRMA, RACV, Coles, GIO and more – and we don't take commissions. 

For more about how to find a policy that suits your needs, see our car insurance buying guide.

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How we score

We send surveys to insurers asking about the features and premiums of their products, and we use their responses to calculate each policy's score. The score is made up of the product features (70%), the price rating (20%) and a satisfaction component (10%). Each score is graded on a curve so that the average is 66%.

Premiums differ from customer to customer, so we can't estimate how much a policy will cost you. We came up with five policies to cover young people, families, good drivers, bad drivers and retirees. For each scenario we request two quotes per state and territory, one in the capital and one in the regions. Each policy is ranked according to how close those quotes are to the average in each state, $ being cheaper, $$$$$ being more expensive. It goes without saying you usually get what you pay for.

The satisfaction score is based on data from the Financial Ombudsman Service, which looks at how likely an underwriter is to get complaints, and how likely it is to negotiate an agreement with the customer.

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List of brands we tested in this review.

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    Insure your car for an agreed value

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    These policies will let you select an amount to insurer your car for, within a range set by the insurer.

      Insure your car for its market value

        Your choice of repairer

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        Even if you have your choice of repairer, many insurers retain the right to veto your option if they think the quote is too high or they have concerns about the quality of the work.

          Included in this review

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          • recommended
          • overall-score
          • features-score
          • complaints-score
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