Best Car Insurance Australia: 20 Top Policies for 2025

Hunting for the best car insurance in Australia often ends with a screen full of slick ads and half-answered questions. The truth is there isn’t a single “best” policy for everyone; a 25-year-old rideshare driver in Sydney needs something quite different from a semi-retired couple in regional SA. What you really need is clarity on which insurers consistently offer sharp premiums, robust cover and hassle-free claims so you can pick the right fit, fast.

We compared more than 40 brands across metro and regional postcodes, weighing premiums, natural-disaster protection, claims satisfaction, discount stackability, digital tools and those extras—from replacement cars to carbon offsets—that make daily driving easier. We also checked the big questions Aussies type into Google: who actually wins the awards, whether Youi or AAMI is the smarter bet, and how price shifts with age or lower kilometres.

The result is a shortlist of 20 stand-out policies spanning bargain basics, premium all-rounders, pay-as-you-drive tech, over-50s specialists and rideshare-ready options. Scan the summaries, note what matches your vehicle, budget and risk profile, then grab like-for-like quotes. Let’s jump straight into the policies that deserve a spot at the top of your comparison sheet for 2025.

1. National Cover – Price-Beat Guaranteed Car Insurance

If you love the idea of squeezing maximum cover out of every premium dollar, National Cover should sit at the top of your quote list. The locally owned specialist isn’t yet a household name, but its ASIC-licensed pricing analysts and open “Quote-to-Value” data make it a quiet achiever in 2025. National Cover promises to beat any competitor’s written quote on comparable cover, while still throwing in perks most budget policies charge extra for. It’s a rare mix of bargain pricing and concierge-style support—exactly what many shoppers hunting for the best car insurance Australia-wide say is missing from the big brands.

Key Policy Details & Coverage at a Glance

Comprehensive, Third-Party, Fire & Theft, plus tailored Rideshare, Taxi, Courier and Fleet options
Insured events: theft, fire, storm, hail, flood, vandalism and accidental damage
Up to $20 million legal liability cover for third-party injury or property damage
Market or agreed value (agreed capped at 15 years)
Optional hire-car upgrade for at-fault accidents
Policy docs highlight “Quote-to-Value Ratio” so you can see if the premium stacks up

Stand-out Benefits for 2025

Price-Beat Guarantee – National Cover will beat any apples-to-apples quote you provide
Lifetime repair warranty on authorised work, plus excess discount when you use preferred repairers
Replacement car during repairs on not-at-fault claims
24 × 7 towing included Australia-wide
Business use (rideshare, delivery, light commercial) automatically noted on comprehensive cover—no extra hoops

Pricing, Discounts & Excess Notes

Indicative premiums: Metro 30-year-old sedan $760–$1,050; Regional 45-year-old SUV $590–$820
Discounts you can stack: multi-vehicle (up to 15 %), low-kilometre, voluntary excess, safe-driver and the headline Price-Beat
Standard excess from $600; optional increase to $1,600 to trim premiums further

Best For & Things to Consider

Best for price-savvy drivers, gig-economy operators and SMEs that want human help at claim time without paying corporate rates. The web portal is slick, but there’s no smartphone app yet, and agreed value is only available on vehicles under 15 years old. If those are non-issues, National Cover delivers one of the strongest value-for-money propositions you’ll see in 2025.

2. Budget Direct – Award-Winning Value

Budget Direct has been hogging the trophy cabinet for years—Canstar Insurer of the Year 2025 and Money magazine’s Insurer of the Year nine years running. Those gongs aren’t just marketing gloss; they reflect a knack for pairing low premiums with cover that doesn’t feel stripped bare. If you’re chasing the best car insurance Australia can offer on a tight-to-mid budget, Budget Direct is a must-quote name.

Key Policy Details & Coverage at a Glance

Two tiers: Comprehensive and Third-Party, Fire & Theft
New-for-old replacement to 2 years/40,000 km
Insured events include storm, flood, hail, fire, theft, accidental damage
$20 million legal liability cover
Market or agreed value (vehicle age limits apply)
Online policy management and claims tracking 24/7

Stand-out Benefits for 2025

Covers accidental damage even when the at-fault party can’t be identified (e.g., car-park dings)
“Rewards Plus” loyalty program—think discounted movie tickets, fuel cards and holiday deals
Optional “Back-on-the-Road” add-on bundles windscreens, hire car and personal effects for a flat fee
Pay-as-you-drive kilometre option for sub-15,000 km motorists

Pricing, Discounts & Excess Notes

Indicative premiums: $680–$990 for a metro 35-year-old hatch; $610–$890 for a regional 50-year-old SUV
Online sign-up discount up to 15 % plus no-claim, multi-car and home-&-contents bundle savings
Choose excess from $400 to $1,700; elevate it to shave another 10–15 % off

Best For & Things to Consider

Perfect for value hunters comfortable lodging and tracking claims online—Budget Direct’s portal is genuinely slick. Windscreen and hire-car cover cost extra, so factor that in if you rely on those perks. Phone support exists but isn’t as hand-holding as some full-service rivals; consider that if you prefer human interaction at every step.

3. Bingle – Cheapest Basic Comprehensive

Bingle built its name on one promise: strip out the call centres, branches and glossy extras to give drivers Australia-wide rock-bottom comprehensive premiums. In 2025 it still lives up to that pitch, routinely dishing up the lowest quotes we found for 23- to 35-year-olds living in the capitals. Everything is managed online—from quoting to claims—and the policy is a single, take-it-or-leave-it comprehensive product that keeps wording tight and costs down. If you’re chasing the absolute cheapest way to tick the “full cover” box, Bingle is the benchmark everyone else has to beat.

Key Policy Details & Coverage at a Glance

One comprehensive tier plus a bare-bones Third-Party, Fire & Theft option
Insured events: accidental damage, fire, theft, hail, storm, flood and vandalism
Legal liability up to $20 million
Market value only; no agreed-value option
Optional extras: windscreen cover, hire car after an at-fault accident, roadside through partner provider
All documents, renewals and claims lodged via web portal or mobile site (no phone claims line)

Stand-out Benefits for 2025

Consistently the cheapest comprehensive quotes for 23–35 yr-olds, according to our metro sample
24/7 digital claims lodgement with step-by-step photo upload—average approval under two business days
Earn Qantas Points on premiums when paying with a linked Qantas Money card
Monthly payments available with no interest loading

Pricing, Discounts & Excess Notes

Indicative premiums: Metro 25-year-old hatch $590–$850; Regional 40-year-old sedan $520–$710
Pay-in-full discount (~10 %) is the only built-in saving; no multi-policy or loyalty schemes
Standard excess from $850, rising to $1,500 for drivers under 25 or listed high-performance vehicles
Additional inexperienced-driver excess of $600 applies if a younger driver isn’t listed

Best For & Things to Consider

Bingle suits drivers who’d rather pocket a few hundred dollars a year than pay for phone support or fancy add-ons—think students, young professionals and anyone happy to self-serve online. High fixed excesses mean minor prangs can be uneconomical to claim, and there’s no agreed-value safety net for classics or modified cars. If rock-bottom premiums trump bells and whistles, Bingle is hard to ignore; if you need hand-holding, look elsewhere.

4. Allianz – Feature-Rich & Trusted

With more than two million Aussie motorists on its books, Allianz is the go-to “big brand” many drivers think of first when they search for the best car insurance Australia has on offer. The global giant leans on deep pockets and a 100-plus-year track record to bundle generous cover, a sprawling repair network and responsive claims into one tidy package. If paying a smidge more for peace-of-mind features sounds like a fair trade, Allianz deserves a place on your shortlist.

Key Policy Details & Coverage at a Glance

Two tiers: Comprehensive and Third-Party, Fire & Theft
New-for-old replacement on vehicles up to 3 yrs/100,000 km
Natural-disaster cover (cyclone, flood, bushfire, hail, storm) included as standard
Up to $20 million liability for third-party injury or property damage
Market or agreed value (agreed up to vehicle age 10 yrs)
Choice of repairer option available for an extra premium

Stand-out Benefits for 2025

Access to an 1,800-strong partner repair network with repairs warranted for 24 months
Rapid “Smart Claim” portal—many windscreen and single-vehicle incidents approved in minutes
Automatic cover for baby seats, trailers and personal effects up to $1,000
Optional “Excess-Free Glass” and “Hire Car Plus” add-ons bundle windscreen and courtesy car with no extra excess

Pricing, Discounts & Excess Notes

Typical premiums: $820–$1,200 metro compact SUV; regional family wagon $750–$1,050
Discounts: 10 % multi-policy, safe-driver status, pay-in-full and seniors (over-60)
Standard excess starts at $650; raise to $1,500 to slice around 12 % off premiums

Best For & Things to Consider

Ideal for families and owners of newer vehicles wanting a heavyweight insurer, strong disaster cover and broad repair choices. Premiums for under-25s can climb quickly, and some handy extras (choice of repairer, nil-glass excess) cost extra, so build your quote carefully before committing.

5. AAMI – Early-Bird Drive Less Option

AAMI has long been the “steady Eddie” of the major insurers, but in 2025 it’s added a genuine twist: Drive Less, a mileage-based variant that trims premiums by up to 25 % when you cap annual kilometres at a figure you nominate in the slick MyAAMI and MyCar apps. For city commuters who rack up more tram trips than road trips, that’s meaningful cash back without downgrading to third-party cover. Add in market-leading roadside perks and AAMI suddenly feels anything but conservative.

Key Policy Details & Coverage at a Glance

Comprehensive and Third-Party, Fire & Theft tiers
Insured events: accidental damage, theft, storm, flood, hail, fire, vandalism
New-for-old replacement on cars up to 2 yrs/40,000 km
$20 million liability cover; market or agreed value to 12 yrs
MyCar telematics app tracks kilometres, fuel and maintenance reminders

Stand-out Benefits for 2025

Drive Less policy – declare ≤ 12,000 km and pocket ~25 % lower premiums
Early-bird renewal discount when you renew online 21+ days before expiry
Free first-year roadside assist (normally ~$96) for Comprehensive customers
Add-on “AAMI Complete Replacement” waives depreciation on total loss claims for cars ≤ 10 yrs

Pricing, Discounts & Excess Notes

Typical premiums: $760–$1,050 metro hatch; $690–$930 regional SUV
Stackable savings: safe-driver, multi-policy, advance-purchase and Drive Less
Standard excess from $600; choose up to $1,600 to trim 12–15 % off

Best For & Things to Consider

Perfect for urban drivers who clock modest mileage yet still want a big-brand safety net—think inner-city professionals or two-car households. Imported performance models attract a higher excess, and exceeding your declared kilometres on Drive Less triggers a pro-rata top-up at renewal, so set a realistic estimate. Overall, AAMI’s fresh mileage discount keeps it firmly in the conversation when comparing the best car insurance Australia has on offer for 2025.

6. Youi – Highly Customisable Policies

If you’re the kind of driver who hates one-size-fits-all insurance, Youi is worth a phone call. Rather than serving up an instant online quote, Youi’s team spends about 15 minutes drilling into how, when and where you actually drive, then tailors premium and cover limits around that data. The result can be sharper pricing for low-risk motorists and bolt-on extras hobbyists often struggle to insure—one reason Youi keeps turning up in “Is Youi or AAMI better?” comparison threads when Aussies hunt for the best car insurance Australia can offer.

Key Policy Details & Coverage at a Glance

Comprehensive, Third-Party, Fire & Theft and Third-Party Property Damage
Choice of market or agreed value, even on older vehicles (age limits apply)
Standard insured events: accident, theft, fire, storm, flood, hail, vandalism
$20 million liability cover for third-party injury/property
Add-ons: windscreen excess waiver, hire car, roadside, personal effects, trailer & caravan cover

Stand-out Benefits for 2025

Payback program: drive less than the kilometres quoted and Youi refunds the difference at renewal
Automatic cover for up to $1,500 of sports gear and tools locked in the car
Free choice of repairer built in (no extra premium)
Emergency accommodation up to $1,200 if you crash more than 100 km from home

Pricing, Discounts & Excess Notes

Indicative premiums: Metro 30-year-old SUV $790–$1,250; Regional 50-year-old sedan $650–$980
Discounts: multi-vehicle (up to 15 %), online policy docs, flexible excess from $400–$1,600
Fortnightly, monthly or annual payments; $0 instalment fees when paying by direct debit

Best For & Things to Consider

Ideal for motorists with unique driving patterns—shift workers, weekend warriors, tradies with gear—who want cover moulded to their lifestyle. The quote call is longer than rivals, and premiums can rise if your circumstances change mid-term, so keep Youi updated to avoid surprises at renewal.

7. NRMA – Best for Roadside Assist Bundles

Ask a driver in NSW or the ACT who they call when the battery dies and the answer is usually NRMA. The member-owned mutual has built its reputation on legendary roadside patrols, and that DNA flows straight into its car insurance. While premiums sit mid-pack, the built-in extras and member discounts can make the overall value hard to beat if you live in its home states.

Key Policy Details & Coverage at a Glance

Comprehensive, Third-Party Fire & Theft, and Third-Party Property Damage
Natural-disaster cover (hail, flood, bushfire, storm) standard on Comprehensive
New-for-old replacement on cars up to 3 yrs/60,000 km
$20 million third-party liability
Choice of market or agreed value (vehicles ≤ 10 yrs)
Optional $0 windscreen excess and hire-car upgrade

Stand-out Benefits for 2025

Free NRMA Roadside Assistance for the first year with every Comprehensive policy – saves ~$120
Up to $1,000 personal items cover and $1,500 baby seat cover at no extra cost
Member rewards on fuel, theme-parks, accommodation and more
Fast-track “online assessment” for minor claims under $5,000—often settled within 24 hours

Pricing, Discounts & Excess Notes

Indicative premiums: $830–$1,180 metro hatch; $760–$1,050 regional family SUV
10 % multi-policy and safe-driver discounts stack with early-renewal savings
Standard excess from $650; raise to $1,500 to trim roughly 12 % off the premium

Best For & Things to Consider

Best suited to NSW and ACT motorists who’ll actively use the bundled roadside and lifestyle perks. Coverage is limited outside NRMA’s core territories, and premiums for performance or grey-import vehicles can spike. If you’re happy to stay within the network, NRMA delivers a rock-solid mix of service, cover and on-road backup.

8. RACV – Victoria-Focused Member Benefits

Ask almost any Victorian about breakdown cover and RACV will pop up in the first breath; its blue-and-gold badge is as common on country roads as it is in Melbourne’s laneways. That same member ethos underpins RACV car insurance, which folds in weather-ready cover (think Gippsland floods) and a stack of lifestyle savings that often offset the slightly higher base premium.

Key Policy Details & Coverage at a Glance

Comprehensive and Third-Party, Fire & Theft options
Natural-disaster events (flood, bushfire, hail, storm) automatically included on Comprehensive
New-for-old replacement for cars up to 2 yrs/40,000 km
Choice of market or agreed value (vehicles ≤ 10 yrs)
Legal liability up to $20 million for injury or property damage
Optional extras: $0 windscreen excess, hire-car after any incident, roadside upgrade to “Total Care”

Stand-out Benefits for 2025

Free RACV Roadside Assist for the first year on Comprehensive policies
“Total Care” upgrade gives Australia-wide towing, accommodation and onward-travel cover
Flood cover standard, a big plus for regional river towns
Instant 5 c/L off fuel at participating service stations and discounts on theme parks, movies and accommodation via the MyRACV app

Pricing, Discounts & Excess Notes

Typical premiums: $770–$1,150 for a metro family SUV; $710–$980 regional sedan
Up to 20 % loyalty discount after five consecutive years, plus multi-policy savings for home or contents
Standard excess from $650; voluntary excess can rise to $1,600 to cut premiums by ~15 %

Best For & Things to Consider

Best for Victorian families and commuters who’ll milk the fuel, travel and entertainment perks. Premiums and excesses climb on performance or prestige cars, and coverage outside Victoria relies on national partner networks rather than RACV patrols. If you live and drive primarily in the Garden State, the member benefits can more than pay for themselves.

9. QBE – Extensive National Repair Network

QBE has been insuring Aussie vehicles for more than 130 years and that pedigree shows in its quietly efficient claims service. Where some rivals outsource repairs, QBE leans on a 450-plus–strong authorised network that stretches from Karratha to Coffs Harbour, so even out-of-town drivers can get back on the road quickly. Factor in same-day settlement on many sub-$5 k incidents and it’s easy to see why QBE regularly sneaks onto “best car insurance Australia” shortlists for 2025.

Key Policy Details & Coverage at a Glance

Two comprehensive tiers: Standard and Gold (adds windscreen, hire-car and choice-of-repairer)
Third-Party, Fire & Theft and Third-Party Property Damage also available
Cover for accident, theft, fire, hail, storm, flood and vandalism
Up to $20 million third-party liability
New-for-old replacement on cars ≤ 2 yrs/40 000 km (Gold)
Market or agreed value (agreed up to 10 yrs)

Stand-out Benefits for 2025

Lifetime workmanship guarantee on authorised repairs nationwide
Rapid Repair program aims to settle minor claims within 24 hours
Emergency travel and accommodation up to $1 500 if stranded > 100 km from home
Free trailer cover to $1 000 and baby seats to $750

Pricing, Discounts & Excess Notes

Typical premiums: $810–$1 200 metro mid-size SUV; $730–$1 050 regional ute
10 % online sign-up discount, plus multi-policy and no-claim bonuses
Standard excess from $650; voluntary excess can rise to $1 600

Best For & Things to Consider

Great choice for remote-area or frequent-road-trip drivers who value a vast repair footprint
Flood cover is postcode-rated and may cost extra in high-risk zones—check before buying
Gold tier costs ~12 % more but often works out cheaper than adding glass and hire-car separately

10. ROLLiN’ Insurance – Subscription-Style Flexibility

Traditional policies lock you in for 12 months; ROLLiN’ flips that on its head with a true month-to-month comprehensive cover you can start, pause or cancel online in seconds. If you swap cars often, split time between share-cars and ride-shares, or just hate paying for cover while you’re overseas, this nimble setup can beat the big brands on real-world value—another reason it keeps popping up in “best car insurance Australia” comparison threads.

Key Policy Details & Coverage at a Glance

Single comprehensive product; no third-party tiers
Insured events: accident, theft, fire, storm, hail, flood, vandalism
$20 million third-party liability
Market value only; vehicles up to 15 yrs
Policy renews (and can be cancelled) every 28 days—no exit fees

Stand-out Benefits for 2025

Cancel any time with daily pro-rata refunds
Carbon-neutral promise—emissions from every claim offset via verified projects
Digital claims lodgement with average 2-hour acknowledgement
Add a driver or change address instantly in the web portal, premiums adjust next cycle

Pricing, Discounts & Excess Notes

Typical cost: $85–$120 per month for metro compacts; regional sedans $75–$105
Fixed $800 excess keeps quoting simple; no under-25 or unlisted-driver surcharges
Pay via credit/debit card; no instalment or dishonour fees

Best For & Things to Consider

Great pick for short-term car owners, digital nomads and P-plate drivers wanting no-contract freedom. There’s no roadside assist or windscreen-only option yet, and you can’t dial the excess up or down, so heavy commuters chasing bigger discount levers may prefer a traditional annual policy.

11. Virgin Money – Strong Rewards Programme

Virgin Money’s car cover runs on the same “earn while you spend” philosophy as its credit cards and flights. Underwritten by Auto & General (the same engine behind Budget Direct), the policy couples solid everyday protection with Velocity Points on every premium dollar—handy if you’re already eyeing your next holiday.

Key Policy Details & Coverage at a Glance

Comprehensive and Third-Party, Fire & Theft tiers
Covers accidental damage, theft, fire, hail, storm, flood and vandalism
Up to $20 million legal liability
Market or agreed value (cars ≤ 15 yrs)
New-for-old replacement on vehicles up to 2 yrs/40 000 km
24/7 online claims tracker and digital policy docs

Stand-out Benefits for 2025

Earn Velocity Points on premiums (1 point per $1 paid; double during promo windows)
“Red Rewards” portal dishes out discounts on hotels, wine and entertainment
Optional Excess-Free Windscreen and Hire Car add-ons bundle key extras for a flat fee
Rapid “Flexi-Repair” network: minor claims often settled within 48 hours

Pricing, Discounts & Excess Notes

Indicative premiums: $700–$1 050 metro hatch; $640–$940 regional SUV
15 % online sign-up discount, plus multi-policy and no-claim bonuses
Standard excess from $600; under-25 excess adds $600–$800 extra

Best For & Things to Consider

Ideal for Velocity frequent flyers and deal hunters who’ll cash in the Red Rewards perks. The youthful-driver excess is chunky, and phone support sits behind online self-service, so tech-shy motorists may prefer a more traditional brand.

12. Coles Car Insurance – Flybuys Rewards & Grocery Discounts

Shopping for cover while you shop for groceries? Coles makes it easy by folding everyday rewards into a straight-forward online policy that mirrors the supermarket’s “Down Down” promise on price. Underwritten by Auto & General, Coles Car Insurance sticks to the essentials—then sweetens the deal with Flybuys points and a monthly 10 % discount on one grocery shop, making it a sneaky way to offset premiums at the checkout.

Key Policy Details & Coverage at a Glance

Two comprehensive tiers: Comprehensive and Comprehensive Plus (adds windscreen and hire-car extras)
Third-Party, Fire & Theft option for budget drivers
Insured events: accident, theft, storm, hail, flood, fire, vandalism
Up to \$20 million liability for third-party damage or injury
Market or agreed value (vehicles ≤ 15 yrs)
24/7 online policy management and digital claims tracking—no call centre hold music

Stand-out Benefits for 2025

Collect Flybuys: 1 point per $1 of premium; double points during promo periods
10 % off one Coles grocery shop each month when you pay with a linked Coles credit or debit card
“Drive Less Pay Less” option on Comprehensive Plus for under-10 000 km motorists
Optional Excess-Free Glass add-on now auto-includes calibration for ADAS windscreens

Pricing, Discounts & Excess Notes

Indicative premiums: metro hatch $720–$1 050; regional SUV $650–$920
15 % online sign-up discount stacks with no-claim bonus and multi-policy savings on home or pet cover
Standard excess from $600; young-driver excess $600–$800
Monthly payments available fee-free via Coles MasterCard

Best For & Things to Consider

A clever pick for Flybuys devotees and regular Coles shoppers who’ll use the 10 % grocery perk to claw back costs. Add-on menu is shorter than rivals (no roadside, limited personal-item cover), and phone support is limited to business hours, so DIY types will get the best experience.

13. ING Car Insurance – Simple Online-Only Value

ING built its reputation on stripped-back banking, and its car cover follows the same playbook: keep the policy lean, the application digital-first and the price sharp. Underwritten by Hollard, the product avoids fancy upsells and call-centre jargon, so you can quote, buy and claim in a few clicks—handy if you already manage your money in the ING app.

Key Policy Details & Coverage at a Glance

Comprehensive and Third-Party, Fire & Theft tiers
Covers accident, theft, fire, hail, storm, flood and vandalism
Legal liability up to \$20 million
Market or agreed value (agreed available only on vehicles ≤ 10 yrs)
Same-day glass repairs guarantee when you lodge by 10 am (metro areas)
Online policy docs, renewals and claims—no phone queues

Stand-out Benefits for 2025

Extra 3 % discount when premiums are paid from an ING Orange Everyday account
Fee-free monthly payments—rare among budget insurers
“Fast-Track Glass” promise replaces or repairs windscreens within 24 hours or your excess is refunded
Free towing to the nearest repairer after insured events

Pricing, Discounts & Excess Notes

Typical premiums: metro compact SUV \$690–\$980; regional sedan \$620–\$860
Stackable no-claim bonus up to 65 % plus multi-policy discount on ING home insurance
Standard excess from \$600; raise to \$1 500 to shave ~12 % off

Best For & Things to Consider

Great pick for existing ING customers who’ll pocket the banking discount and appreciate a single online hub for money and insurance. Limited add-on menu (no roadside, no hire-car after at-fault accidents) and agreed value disappears on cars over 10 years, so owners of classics or prestige vehicles may need a more flexible policy.

14. RACQ – Queenslanders’ Choice with Cyclone Cover

For many Sunshine State motorists, RACQ isn’t just roadside rescue — it’s practically a rite of passage. The member-owned insurer leans into that local DNA with policies tuned for Queensland’s tropical storms, sticky summers and long country runs. Add in a fistful of lifestyle perks and RACQ keeps punching above its weight on value, even if the headline premium sometimes looks mid-pack.

Key Policy Details & Coverage at a Glance

Comprehensive, Third-Party Fire & Theft and Third-Party Property Damage
Natural-disaster events (cyclone, flood, hail, bushfire) standard on Comprehensive
New-for-old replacement up to 2 yrs/40 000 km
Choice of market or agreed value (vehicles ≤ 10 yrs)
Legal liability up to $20 million
Optional: $0 glass excess, hire-car after at-fault, and “Ultimate” roadside upgrade

Stand-out Benefits for 2025

Cyclone cover baked in — no postcode loading across most northern zones
Free RACQ Roadside Assist first year; upgrade to “Ultra Care” for long-distance towing
Member rewards: 4 ¢/L off fuel, Movie World tickets, hotel deals and monthly dining offers
Emergency pet accommodation up to $500 if you crash far from home

Pricing, Discounts & Excess Notes

Indicative premiums: $730–$1 050 metro Brisbane hatch; $680–$930 regional ute
Up to 15 % multi-policy discount (home, boat, travel), plus loyalty bonus after 3 yrs
Standard excess from $650; raise to $1 600 for ~15 % premium saving

Best For & Things to Consider

Perfect for Queensland drivers who’ll actually use the fuel, travel and roadside perks. Cover outside QLD relies on interstate partner networks and member discounts shrink beyond state lines, so frequent inter-state travellers may prefer a national brand. Flood-prone postcodes in the far north can still attract higher base premiums — compare quotes before locking in.

15. Apia – Senior Drivers (Over-50s)

Apia markets squarely to Australians over 50 and that focus lets it tune premiums, excesses and features to the driving patterns of mature motorists. Lower accident rates, garaged vehicles and daytime driving habits translate to gentler prices without stripping cover. If you’re winding back the kilometres but still want comprehensive protection backed by a mainstream brand, Apia is a logical pit stop.

Key Policy Details & Coverage at a Glance

Comprehensive and Third-Party, Fire & Theft options
Choice of market or agreed value (cars ≤ 15 yrs)
Insured events: accident, theft, hail, storm, flood, fire, vandalism
$20 million legal liability cover
Lifetime Rating One retained after one claim
Pay-As-You-Drive (PAYD) kilometre cap available for low-mileage retirees

Stand-out Benefits for 2025

Excess waived for collisions under 10 km/h (think shopping-centre nudges)
Optional “Windscreen Plus” repairs glass once a year with no excess
Free trailer, caravan and golf-buggy cover up to $1,000
Emergency accommodation up to $1,200 if you’re more than 100 km from home

Pricing, Discounts & Excess Notes

Typical premiums: $600–$880 for a regional sedan; $650–$930 metro compact SUV
PAYD can shave roughly 18 % off if you cap annual kilometres under 8,000 km
Voluntary excess ranges $400–$1,400; higher excess unlocks 10-15 % premium savings
Loyalty discount after three consecutive years

Best For & Things to Consider

Best suited to retirees, empty-nesters and over-50 first-time RV owners who value stable premiums and light-touch claims. Younger household drivers aren’t automatically covered, so list them or risk extra excesses. PAYD is great for city dwellers but cost-effective only if you genuinely drive less.

16. GIO – Optional Everyday Extras Packs

GIO flies a little under the radar in comparison threads, yet its mix-and-match “Everyday Extras” packs make it one of the more flexible picks in this round-up of the best car insurance Australia offers for 2025. Instead of locking every customer into the same bundle, GIO lets you tack on only the add-ons you’ll actually use—think roadside, windscreen or hire-car cover—keeping the base premium tidy and predictable.

Key Policy Details & Coverage at a Glance

Two tiers: Classic Comprehensive and Platinum Comprehensive
Insured events include accidental damage, theft, fire, hail, flood, storm and vandalism
New-for-old replacement on cars ≤ 2 yrs/40 000 km (Platinum)
Up to $20 million third-party liability
Market or agreed value (agreed up to 10 yrs)
Optional Everyday Extras: Windscreen ($0 excess), Unlimited Hire Car, Roadside Assist, Personal Effects

Stand-out Benefits for 2025

Platinum bundle folds windscreen, hire-car, personal effects and roadside into one $0-excess package
“Partner Repair Promise” guarantees authorised repairs for the life of the vehicle
Emergency accommodation up to $1 500 if you’re stranded more than 100 km from home
Online claims tracker with real-time SMS updates on repair progress

Pricing, Discounts & Excess Notes

Indicative premiums: $800–$1 300 metro mid-size SUV; $730–$1 050 regional sedan
Safe-driver discount (5 yrs claim-free) plus 10 % multi-policy with GIO home or landlord cover
Standard excess from $650; voluntary excess can rise to $1 600 for ~12 % premium cut
Monthly instalments fee-free when paid via direct debit

Best For & Things to Consider

Suited to homeowners who want to bundle car, home and perhaps landlord insurance under one login while cherry-picking extras. The Platinum tier’s richer cover costs around 15 % more than Classic, so weigh upgrade costs against separate add-on pricing. Performance cars and young drivers attract steeper base excesses; double-check before finalising.

17. Suncorp – Multi-Policy Savings

Suncorp sits under the same umbrella as AAMI and GIO, but it leans heavily on bundled discounts to carve out its own niche. If you already hold a Suncorp home, landlord or contents policy—or plan to—its generous stackable savings can knock a surprising chunk off your combined premiums while keeping cover solid for everyday cars.

Key Policy Details & Coverage at a Glance

Two tiers: Comprehensive and Third-Party, Fire & Theft
Insured events: accidental damage, theft, hail, storm, flood, bushfire and vandalism
New-for-old replacement on vehicles up to 2 yrs/40,000 km
Choice of market or agreed value (agreed available to 10 yrs)
\$20 million third-party liability across Australia
Optional add-ons: Hire-Car After At-Fault, Excess-Free Glass, Roadside Assist

Stand-out Benefits for 2025

Up to 25 % Multi-Policy Discount when you bundle two or more eligible Suncorp policies
“Flexi-Premium” slider lets you tweak excess on the fly in the online quote to see real-time savings
\$50 eGift card for new comprehensive customers who purchase online and hold for 60 days
Emergency pet accommodation up to \$500 if stranded more than 100 km from home

Pricing, Discounts & Excess Notes

Indicative premiums: $790–$1,150 metro family hatch; $720–$980 regional ute
Stackable savings: multi-policy (up to 25 %), no-claim bonus, pay-in-full discount
Standard excess from $600; voluntary excess to $1,600 trims premiums ≈12 %
Monthly instalments carry a modest $4 service fee

Best For & Things to Consider

Suncorp shines for households already insuring property or life with the brand and looking to simplify bills while pocketing a hefty bundle rebate. The base comprehensive plan is lighter on extras than sister brand GIO (glass and hire-car cost extra), and instalment fees nibble at savings for monthly payers. Rural drivers should confirm repair-network access in remote towns before committing.

18. Woolworths Car Insurance – Everyday Grocery Discounts

Better value at the bowser is nice, but knocking dollars off the weekly shop can feel even sweeter. Woolworths Car Insurance taps into Everyday Rewards to do just that, turning run-of-the-mill premiums into tangible savings at the checkout. Underwritten by Hollard, the cover itself is no slouch – you get the full suite of storm, hail and flood protection plus a Drive Less option that rewards light-footed city motorists. If you already scan an orange card every time you buy milk, this policy deserves a closer look.

Key Policy Details & Coverage at a Glance

Comprehensive, Drive Less, and Third-Party, Fire & Theft tiers
Insured events: accident, theft, fire, storm, hail, flood, vandalism
$20 million third-party liability across Australia
Market or agreed value on vehicles ≤ 15 yrs
New-for-old replacement up to 2 yrs/40 000 km
24/7 online policy management and claims lodgement

Stand-out Benefits for 2025

10 % off one Woolies shop every month (up to $50) when premiums are paid with a linked Everyday Pay card
Earn Everyday Rewards points on each dollar of premium
Drive Less policy trims premiums by ~20 % for ≤ 10 000 km per year
Free child-seat replacement after insured events

Pricing, Discounts & Excess Notes

Indicative premiums: metro hatch $710–$1 050; regional sedan $650–$900
Online sign-up discount 15 % plus no-claim bonus up to 60 %
Standard excess from $600; voluntary excess to $1 600 can shave ≈12 % off
Drive Less excess remains the same as full Comprehensive

Best For & Things to Consider

Perfect for Woolies regulars and low-kilometre commuters who’ll actually use the grocery discount. Drive Less caps kilometres—exceed the limit and you’ll be back-charged at renewal. Windscreen cover on the kilometre plan is limited to repairs only, and there’s no bundled roadside assist, so heavy travellers may need an add-on or separate membership.

19. Huddle Pay-As-You-Drive Cover – Usage-Based Premiums

Mileage-based insurance isn’t new, but Huddle’s tech-heavy spin makes it one of the smarter ways to trim premiums if you rack up more Spotify minutes than kilometres. The Sydney start-up lets you choose a kilometre package that suits your lifestyle and tweak it online any time, so you only pay for the risk you actually create.

Key Policy Details & Coverage at a Glance

Two variants: Pay-Per-Km Comprehensive (packages from 4,000–12,000 km) or Unlimited Comprehensive
Insured events: accident, theft, fire, hail, storm, flood, vandalism
\$20 million third-party liability; market or agreed value on vehicles ≤ 15 yrs
Pause or switch packages mid-term via the app with pro-rata adjustments
AI-driven claims portal promises decisions on simple claims within minutes

Stand-out Benefits for 2025

Cover Pause: stash the car, pause cover, keep fire-and-theft for a token fee
Same-day claims approval on many single-vehicle incidents under $5 k
10 % of profits donated to community and environmental projects—vote on causes in the app
Free excess-free windscreen repair once per year

Pricing, Discounts & Excess Notes

8,000 km package: approx. \$560–\$780 per year (metro hatch)
Unused kilometres roll over at renewal or can be donated to charity kilometres
Standard excess \$600, optional increase to \$1,600 cuts premiums ≈12 %
Safe-driver discount unlocks after one claim-free year

Best For & Things to Consider

A sharp option for low-km city dwellers, WFH professionals and two-car households hunting for the best car insurance Australia can offer on a usage basis. Go over your kilometre cap and you’ll cop a per-km surcharge at renewal, so set a realistic estimate and monitor the odometer in the app.

20. Australia Post Comprehensive – Household Brand Simplicity

If you still like doing life admin face-to-face, Australia Post’s no-frills comprehensive cover is refreshing. Underwritten by Auto & General (the engine behind Budget Direct and Virgin Money), the policy gives you the digital tools younger drivers expect plus the option to walk into any of the 4,000+ Post Offices to pay premiums, ask questions or even lodge a claim. It’s pitched at motorists who want the security of a trusted national brand without wading through endless add-on menus or jargon—proof that the search for the best car insurance Australia can offer doesn’t always end online.

Key Policy Details & Coverage at a Glance

Single Comprehensive tier (no third-party versions)
Insured events: accidental damage, theft, fire, hail, storm, flood, vandalism
Up to $20 million third-party liability
Market or agreed value on cars ≤ 15 yrs
New-for-old replacement to 2 yrs/40 000 km
24/7 online policy management and claims tracker, plus over-the-counter service at Post Offices

Stand-out Benefits for 2025

Lodge or progress claims at any Post Office—handy for tech-shy customers
$40 MyPost gift card for new comprehensive policies held 60 days
Discounted roadside assistance through partnered provider (first year 50 % off)
Free replacement of child seats and baby capsules after an insured event

Pricing, Discounts & Excess Notes

Indicative premiums: $700–$990 metro hatch; $650–$890 regional SUV
15 % online sign-up discount stacks with no-claim bonus up to 60 %
Standard excess from $600; optional $1 600 excess trims premiums ≈12 %
Monthly instalments fee-free via MyPost account

Best For & Things to Consider

Great choice for drivers who value walk-in service and a brand they already trust with mail and bills. Extras menu is shorter than many rivals—no bundled windscreen or hire-car cover—so heavy travellers or owners of high-end vehicles may want a more feature-rich policy.

Picking Your Policy With Confidence

The “best” car insurance is the one that mirrors your day-to-day driving, shields your bank balance from nasty surprises and won’t leave you hanging at claim time. Start by matching cover style to your realities—city parking dings, outback road trips, coastal flood risk or gig-economy kilometres—then weigh how much your vehicle is actually worth to you.

Key checkpoints before you lock anything in:

Annual kilometres vs pay-by-kilometre discounts
Market value versus agreed value (handy for classics or mods)
New-car replacement period and write-off threshold
Natural-disaster cover relevant to your postcode
Out-of-pocket excess on common claims (windscreen, not-at-fault smash)
Included extras such as roadside, hire car and lifetime repair warranty

Shortlist three or four policies from the list above and request quotes on the same day to avoid price creep. Keep variables identical—drivers listed, parking address, voluntary excess—so you’re comparing apples with apples. Once the numbers land, balance the raw premium against the features you’re most likely to use over the next 12 months.

Ready to see where you really stand? Grab a quick, obligation-free quote—and maybe even trigger a Price-Beat Guarantee—from National Cover before you decide.