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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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Brand

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List of brands we tested in this review.

    enter value/s in increments of 1 between 0 and 0

    Recommended products

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    Member only

    This test score is for members only. Join now to unlock our expert results.

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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

          Members-only access
          • Recommended policies
          • Overall score
          • Features score
          • Complaints score
          • ACT
          • NSW
          • NT
          • QLD
          • SA
          • TAS
          • VIC
          • WA
          • No claim bonus
          • annual-discount
          • Additional excesses
          • Windscreen replacement
          • Roadside assistance
          • Legal liability cover
          • Insured events
          • Contaminated fuel cover
          • Personal property cover
          • Child seat cover
          • Keys cover
          • Trailer cover
          • Benefit if you die in an insured event
          • Choice of repairer
          • New car replacement
          • Rental car after insured event
          • Insurance for rental cars
          • Additional cover when away from home
          • Towing after an incident
          • Good points
          • Bad points
          • Available in ACT
          • Available in NSW
          • Available in NT
          • Available in Queensland
          • Available in SA
          • Available in Tasmania
          • Available in Victoria
          • Available in WA
          • New car replacement timeframe
          • Your choice of repairer
          • Costs less to pay the full year upfront
          • Cover for contaminated fuel damage
          • Cover for keys
          • Rental car after at-fault accident
          • Insure your car for its market value
          • Insure your car for an agreed value
          • Unlimited rental car cover after not-at-fault accident
          • Windscreen replacement
          • Good cover for personal belongings
          • Good no-claim discount
          • Availability - card field
          • Good points - card field
          • Bad points - card field
          • Insurer
          • Policy name
          • underwriter
          • website
          • How your car is valued
          • Where policy is sold

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