Skip to content   Skip to footer navigation 
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.

Read more

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 (10%).

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 derived from a survey of insurance customers we did in 2016. It tested people's views about their insurer, based on five factors they said were important to them: customer service, good reputation, claims handling, trustworthiness and value for money. People were asked to rate their experience with their insurer overall, and how likely they were to renew next year. We also used data from the Financial Ombudsman Service to determine how likely an insurer was to get complaints.

Show less

Filters

Narrow your results

Your filters

Clear all filters

Brand

Expand to view more details.

List of brands we tested in this review.

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

Top filters

Recommended products

Remove product

Member only

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

Join now

Already a member?

Insure your car for an agreed value

Expand to view more details.

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

Expand to view more details.

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.

Available in your state

Available in ACT

Available in NSW

Available in NT

Available in Queensland

Available in SA

Available in Tasmania

Available in Victoria

Available in WA

Costs

ACT

Expand to view more details.

This reflect how expensive the policy is compared to the average in each state. One star is well below average, three stars is average, five stars is well above average. We collect quotes for a range of scenarios, but the premiums we get may not reflect your personal circumstances.

NSW

Expand to view more details.

This reflect how expensive the policy is compared to the average in each state. One star is well below average, three stars is average, five stars is well above average. We collect quotes for a range of scenarios, but the premiums we get may not reflect your personal circumstances.

NT

Expand to view more details.

This reflect how expensive the policy is compared to the average in each state. One star is well below average, three stars is average, five stars is well above average. We collect quotes for a range of scenarios, but the premiums we get may not reflect your personal circumstances.

Queensland

Expand to view more details.

This reflect how expensive the policy is compared to the average in each state. One star is well below average, three stars is average, five stars is well above average. We collect quotes for a range of scenarios, but the premiums we get may not reflect your personal circumstances.

SA

Expand to view more details.

This reflect how expensive the policy is compared to the average in each state. One star is well below average, three stars is average, five stars is well above average. We collect quotes for a range of scenarios, but the premiums we get may not reflect your personal circumstances.

Tasmania

Expand to view more details.

This reflect how expensive the policy is compared to the average in each state. One star is well below average, three stars is average, five stars is well above average. We collect quotes for a range of scenarios, but the premiums we get may not reflect your personal circumstances.

Victoria

Expand to view more details.

This reflect how expensive the policy is compared to the average in each state. One star is well below average, three stars is average, five stars is well above average. We collect quotes for a range of scenarios, but the premiums we get may not reflect your personal circumstances.

WA

Expand to view more details.

This reflect how expensive the policy is compared to the average in each state. One star is well below average, three stars is average, five stars is well above average. We collect quotes for a range of scenarios, but the premiums we get may not reflect your personal circumstances.

Good no-claim discount

Features

Costs less to pay the full year upfront

Cover for contaminated fuel damage

Unlimited rental car cover after not-at-fault accident

Rental car after at-fault accident

Windscreen replacement

Cover for keys

Expand to view more details.

Most insurers will cover the cost of recutting/recoding keys after theft, however a few also cover you if you lose them. Select both boxes to see all policies that cover keys.

New car replacement timeframe

Expand to view more details.

Most policies will replace your new or ex-demonstrator model with a brand new car if it is written off within the first few years of being bought. A few policies place limits on how far the car can be driven.

Good cover for personal belongings

Good cover for rental car after theft

Expand to view more details.

Most policies cover some of the cost of a rental car after your car is stolen. These policies have better benefits than most.

Included in this review

Members-only access
  • Recommended
  • Overall score
  • Features score
  • Complaints score
  • ACT
  • NSW
  • NT
  • Queensland
  • SA
  • Tasmania
  • Victoria
  • WA
  • No-claim discount
  • Costs less to pay the full year upfront
  • Additional excesses
  • Windscreen replacement
  • Roadside assistance
  • Legal liability
  • Cover for theft, collision, hail, storm, flood, fire, malicious damage and vandalism
  • Cover for contaminated fuel
  • Cover for personal property
  • Cover for child seats
  • Cover for keys
  • Cover for trailers
  • Death/funeral benefit
  • Getting your car repaired
  • New car replacement
  • Rental car
  • Insurance for rental cars
  • Accomodation and transport when far from home
  • Towing
  • Good points
  • Bad points
  • 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 no-claim discount
  • Good cover for personal belongings
  • Good cover for rental car after theft
  • Insurer
  • Policy
  • Underwriter
  • Website
  • How your car is valued
  • Availability
Show all
Back to filters

Product selected for a detailed comparison

Clear all
Join 160 000 members using our independent test results to avoid costly mistakes. Get full access to all our tests and reviews. OR unlock this review now for $10