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Last updated: 18 October 2017

We're currently in the process of updating this review. It will be published in late October.

We review 34 comprehensive car insurance policies from 27 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 (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.

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Brand

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List of brands we tested in this review.

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Sold in ACT

Sold in NSW

Sold in NT

Sold in Queensland

Sold in SA

Sold in Tasmania

Sold in Victoria

Sold in WA

Features score

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We assess benefits such as towing, emergency accommodation, renting a car, choice of repairer, new car for old, public liability, the range of events covered, and the effect on your premium or no claim bonus if you've had a prang.

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Rental car after accident

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Cover of car rental costs after an accident.

No-excess windscreen claims

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Having this cover will allow you to make claims for window damage without having to pay an excess.

Claims

Age limit for new car replacements

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Age limit for new car replacement after write off.

Choose your own repairer

Features

Cover for damage caused by contaminated fuel

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Cover for damage caused to the vehicle by unknowingly using contaminated fuel purchased at a petrol station.

Cover for damaged property

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Overall cover limit for personal property if the car is damaged in an accident.

Cover for stolen property

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Overall cover limit for personal property if the car is stolen.

Cover for baby seats / capsules

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Baby seats are typically covered separately to personal items. Sometimes they will be counted as part of the car, while other times there will be a separate sublimit.

Cover for lost keys

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Cover limit for replacement of car keys if they are lost.

Cover for stolen keys

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Cover limit for replacement of car keys if they are stolen.

Included in this review

Members-only access
  • Overall score
  • Recommended
  • Features score
  • Satisfaction score
  • ACT price rating
  • NSW price rating
  • QLD price rating
  • NT price rating
  • SA price rating
  • TAS price rating
  • VIC price rating
  • WA price rating
  • Standard excess
  • Listed young driver (21-year-old) excess
  • Unlisted young driver (21-year-old) excess
  • Unlisted driver excess
  • Unlisted inexperienced driver excess
  • Additional excesses
  • Number of no-excess windscreen claims
  • Cover for damage caused by contaminated fuel
  • Cover for trailer
  • Cover for lost keys
  • Cover for stolen keys
  • Cover for stolen property
  • Cover for damaged property
  • Clothing
  • Computers, laptops, etc
  • Mobile phones
  • MP3 players
  • GPS devices
  • Cash, cheques, credit cards, etc
  • Cover for baby seats / capsules
  • Emergency accommodation after an accident
  • Daily limit for accommodation after an accident ($)
  • Total limit for accommodation after an accident ($)
  • Emergency accommodation after theft
  • Daily limit for accommodation after theft ($)
  • Total limit for accommodation after theft ($)
  • Distance from home before the emergency accommodation limit applies
  • Towing after accident
  • Cover for transport after accident
  • Legal liability cover
  • Death benefit
  • Age limit for new car replacements
  • Distance limit for new car replacements
  • Can the existing policy be transferred to the new car?
  • Does new car replacement apply if you aren't the first owner?
  • Is the premium for the rest of the year refunded?
  • Lifetime repair term
  • Rental car limit after theft (days)
  • Daily limit for rental car after theft
  • Total limit for rental car after theft
  • Fee for rental car after accident cover
  • Rental car after accident
  • Daily limit for rental car after accident
  • Total limit for rental car after accident
  • Rental car limit after accident (days)
  • Years to reach highest no claim rating
  • Insurance for rental or subsitute cars
  • Pay to protect no claim rating
  • Maximum no claim discount offered
  • Years on highest rating before free protection
  • Free to protect no claim rating
  • Unlimited claims on protected rating
  • Claims permitted on protected rating
  • Additional notes
  • Insurer
  • Policy
  • comprehensive car insurance policy
  • Sold in NT
  • Sold in SA
  • Sold in NSW
  • Sold in ACT
  • Sold in Victoria
  • Sold in WA
  • Sold in Queensland
  • Sold in Tasmania
  • Is there a no claims bonus?
  • Can you get an online quote?
  • Can you specify an agreed value for your car?
  • Will the insurer beat a competitor's quote?
  • Multi-policy discounts
  • Online discounts
  • Loyalty discount
  • Seniors discount
  • Is it cheaper to pay annually?
  • Other discounts
  • No-excess windscreen claims
  • Cover for vehicle theft, accidents, hail, storm, flood, fire, vandalism
  • New car replacement
  • Choose your own repairer
  • Lifetime repair guarantee
  • Financial services provider
  • Website
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