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Car insurance comparison

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Last updated: 08 November 2018


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

Compare 41 comprehensive car insurance policies from 33 insurers to help you find the best cover for your ride. From 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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Premiums differ from customer to customer, so we can't estimate how much a policy will cost you. We collect quotes for five policy scenarios covering 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.

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

    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 comparison

          Members-only access
          • Available in SA
          • Insurer
          • Policy name
          • underwriter
          • website
          • How your car is valued
          • ACT
          • NSW
          • NT
          • QLD
          • SA
          • TAS
          • VIC
          • WA
          • Where policy is sold
          • 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
          • Available in ACT
          • Available in NSW
          • Available in NT
          • Available in Queensland
          • 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
          • Good cover for personal belongings
          • Good no-claim discount
          • Availability - card field


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