10 Best Car Insurance Quotes Online For Australians In 2025

Navigating car insurance in 2025 feels different from any previous year. Repair bills are rising, electric vehicles are rolling onto Australian roads at record pace, and insurers are fast-tracking digital tools that promise more than just a quick quote. According to APRA’s Q1 2025 General Insurance report, Australians now contribute a staggering $19.5 billion to total insurance revenue, while the net combined ratio for short‐tail property policies (including motor) remains steady at 88.1%—a sign that competition is fierce and margins are tight. In this climate, every dollar counts, and policyholders are searching harder for genuine value.

Compulsory Third Party (CTP) insurance remains a legal must, but the rules shift depending on where you register your car—from Green Slip requirements in New South Wales to the no-fault model in the Northern Territory (Forbes Advisor CTP summary). That complexity, paired with the flood of new vehicle types and usage patterns—from rideshare to business fleets—means that finding the right car insurance is more nuanced than ever.

Fortunately, Australians can now harness advanced comparison platforms and specialist insurers to pit policies against each other—side by side and in real time—without the old-fashioned guesswork. Whether you’re a first-time EV owner, a rideshare driver, or simply want to avoid paying a cent more than you should, the smartest move is to compare car insurance quotes online and take advantage of price-beat guarantees where available.

With that in mind, we’ve identified the top 10 options for car insurance quotes online in 2025. Leading the list is National Cover, an Australian-owned specialist that blends data-driven pricing with unbeatable service—and guarantees to beat any competitor’s genuine quote. Here’s what sets them, and the other top contenders, apart this year.

1. National Cover – Price-Beat Guaranteed Car Insurance

When it comes to car insurance quotes online, National Cover stands out as an Australian-owned specialist built on competitive pricing and customer service. Their promise is simple: if you find a genuine quote from another insurer, they’ll beat it. That kind of confidence doesn’t come from luck—it’s backed by rigorous pricing research, ASIC-licensed analysts and nearly a decade of serving Australian drivers. Whether you’re insuring your daily driver, an Uber, or a fleet of vans, National Cover combines flexibility with rock-solid guarantees.

Why Choose National Cover?

• Price-Beat Guarantee: Upload any competitor’s valid quote and National Cover will undercut it, every time.
• Data-Driven Pricing: ASIC-licensed analysts continuously monitor market movements to set premiums that capture savings without skimping on cover.
• Proven Track Record: Over 9 years in business, more than 5,000 policies sold and 99% of claims lodged within 12–24 hours.
• Award-Winning Satisfaction: Winner of the 2022 Mozo People’s Choice Award for Outstanding Customer Satisfaction.

Coverage and Policy Options

National Cover’s core policies deliver the essentials—and then some:

• Comprehensive Car Insurance: Protects against theft, fire, vandalism, storms, floods and third-party damage.
• Specialised Motor Insurance: Tailored cover for rideshare (Uber/Ola), taxi services, courier delivery, commercial vehicles and fleet usage.
• Enhanced Liability: Up to $20 000 000 third-party liability, plus malicious damage cover.
• New-for-Old Replacement: If your car is under two years old and written off, you’ll receive a replacement of equivalent make and model.
• Windscreen & Glass: No-hassle repair or replacement for chips and cracks.
• Business Extras: Optional public liability and marine transit/cargo cover to protect goods in transit.

Quote Process and Discounts

Getting a quote with National Cover is quick and transparent:

1. Head to the National Cover website and enter a few basic details for an instant online quote.
2. To activate the Price-Beat Guarantee, simply upload the competitor’s formal quote—National Cover verifies it and adjusts your premium on the spot.
3. You can switch at any time, not just at renewal—National Cover calculates any unused premium on a pro-rata basis and issues you a refund.

On top of that, there are plenty of ways to save: discounted excess when you repair through preferred workshops, a lifetime warranty on all repairs, a replacement car for “not at fault” claims and 24×7 towing assistance. With National Cover, you never pay more than you need to—and you get the protection you want.

2. Compare the Market – Wide Range of Insurers in Minutes

If you’re after a quick way to see dozens of policies side by side, Compare the Market does the heavy lifting. Rather than visiting multiple insurer sites, you provide your details once and their comparison engine returns quotes from top Australian providers. The service is free to you, and you can narrow down options by price, cover level and extras—all in a matter of minutes.

Why Choose Compare the Market?

• Real savings stories: Betsy and Brett in NSW switched their 2023 Tesla Model Y and pocketed $1,566, while Emily in Victoria trimmed $876 by tailoring her policy.
• Customer satisfaction: With an average rating of 4.3 out of 5, users rate the site’s ease of use and transparency.
• No extra cost: You pay exactly what the insurer charges—Compare the Market earns a commission from partners, never by inflating premiums.

Coverage and Extras

Compare the Market splits policies into three clear bands:

• Comprehensive: Covers your own vehicle plus third-party property, weather events, theft and more.
• Third Party Fire & Theft: Ideal if you want liability cover plus protection against fire or theft of your car.
• Third Party Property Damage: Basic liability only, perfect for low-budget motorists.

To make your policy more tailored, optional add-ons include:

• Roadside assistance for breakdowns and battery boosts.
• Hire car cover after an accident.
• Windscreen excess waiver to reduce what you pay for chip and crack repairs.
• Choice of repairer, so you can stick with your preferred workshop.

How to Get a Quote and Save

1. Visit the Compare the Market car insurance page and enter your vehicle and personal details.
2. Review side-by-side quotes from multiple insurers—filter by price, cover level or customer rating.
3. Apply simple savings strategies: increase your excess to lower premiums, restrict driver ages, or select a low-kilometre policy if you drive less than 15,000 km a year.
4. Switch policies anytime without waiting for renewal—compare again in minutes and lock in a better deal.

With everything laid out clearly, Compare the Market helps you secure the right level of cover at a price that fits your budget.

3. Allianz – Award-Winning Service and EV Cover

Allianz may be one of the biggest names in insurance, but its reputation rests on more than size. From being crowned Insurer of the Year to picking up multiple Excellence in Claims accolades, Allianz consistently delivers an experience that matches its global expertise. Whether you’re keen on electric vehicle cover or simply want the peace of mind that comes with a top-rated provider, Allianz ticks all the boxes.

Why Choose Allianz?

Allianz stands out for:

• Industry recognition: Multiple awards for customer service and claims handling, including the coveted Insurer of the Year title and Excellence in Claims.
• High claim experience: Customers rate their claims journey 4.4 out of 5, reflecting prompt, clear communication and fair settlements.
• Any-driver cover: Lend your keys to most drivers you nominate and rest easy, subject to licence and usage conditions.
• Dedicated EV protection: Comprehensive policies extend to electric vehicles, covering batteries, charging cables, wall chargers and mounts.

Coverage and Policy Options

Allianz offers two main private motor products, plus compulsory third party (CTP) in select states:

• Comprehensive Car Insurance

  • Covers collision damage, weather events (storms, hail, flood), fire and theft.
  • Up to $20 000 000 liability for third-party property damage.
  • Rental car if you’re not at fault—or a $50/day travel allowance if a similar hire isn’t available.
  • Choice of repairer, or access to Allianz-approved workshops for guaranteed workmanship.

• Third Party Property Damage Insurance

  • Liability cover for accidental damage you cause to other vehicles or property, up to $20 000 000.
  • Reasonable legal costs if you face a liability claim in court.

• Compulsory Third Party (CTP)

  • Included with vehicle registration in New South Wales, Queensland and South Australia.
  • Covers injury costs for you, other drivers and pedestrians—no cover for property damage.

For businesses, Allianz’s commercial motor options allow you to insure up to 20 vehicles under a single policy, ideal for fleets of utes, vans or trucks.

How to Get a Quote and Pay

Securing cover with Allianz is straightforward:

1. Get an instant quote online via the Allianz car insurance page.
2. Choose between annual or monthly premium instalments to suit your budget.
3. Complete your purchase digitally and receive policy documents by email—no paperwork required.

Whether you’re insuring a daily driver, an EV or a fleet of work vehicles, Allianz combines global resources with local expertise to keep you covered mile after mile.

4. Budget Direct – Money Magazine’s Best-Value Winner

Budget Direct lives up to its name by delivering award-winning cover at prices that won’t break the bank. Named Money magazine’s Best-Value Car Insurance for 2025, this digital-first insurer leverages an online-only model to shave overheads and pass those savings directly to policyholders.

Why Choose Budget Direct?

Budget Direct’s streamlined approach means you benefit from a lean cost structure. By removing costly call centres and brick-and-mortar branches, they’re able to offer a 15% discount off your first year’s premium when you purchase online. Add to that their Best-Value accolade from Money magazine, and you’ve got strong evidence that lower costs don’t have to mean skim-py cover.

Coverage and Policy Options

You can tailor your protection with two core products:

• Comprehensive Cover: Accidental damage to your own vehicle, plus fire, theft, storms and hail. Third-party liability is included up to standard industry limits.
• Third Party Fire & Theft: Covers damage you cause to other vehicles or property, alongside fire and theft protection for your own car.

On top of these, Budget Direct offers popular extras:

• Rental Car After an Accident: Keeps you on the road while repairs are done.
• Windscreen Cover: Repair or replacement of chips and cracks, often with a reduced excess.
• Roadside Assistance: Optional emergency support for battery boosts, towing and more.

How to Get a Quick Quote

Securing a quote with Budget Direct takes about two minutes. Simply head to their website, enter basic details about your car and driving history, then select your preferred cover and optional extras. Once you buy, policy documents are sent instantly to your inbox—no waiting around for the post. Plus, if you hold other policies like home or landlord cover, you can stack on multi-policy and loyalty discounts at renewal, making it even easier to keep premiums in check.

Ready to see how much you could save? Get started with a speedy quote at https://www.budgetdirect.com.au/car-insurance.html.

5. Bingle – Simple, Online-Only Insurance

When price is your priority, Bingle delivers a stripped-back, digital-first approach that cuts out the frills and passes the savings on to you. As an online-only insurer, there are no costly call centres or retail offices to maintain, so premiums stay low and policies remain straightforward. Managing your cover is entirely self-service, from making adjustments to lodging claims and renewing your policy—all via Bingle’s website or mobile portal.

Why Choose Bingle?

Bingle’s lean business model keeps overheads to a minimum, which directly benefits customers in the form of lower premiums. Their self-service portal empowers you to:

• Update your details, add or remove drivers and change payment methods instantly.
• Lodge a claim online 24/7, with clear step-by-step guidance.
• View all policy documents and communications in one central dashboard.

Coverage and Policy Options

Bingle offers two core products that focus on essentials:

• Comprehensive Cover for accidental damage, fire and theft of your vehicle, plus third-party property liability.
• Third Party Property Damage to cover accidental damage you cause to other people’s vehicles or property.

Unlike some competitors, Bingle’s base policies don’t include extras like roadside assistance or a hire car. However, you can purchase those add-ons separately if you need them—keeping your initial premium as low as possible.

Pricing and Cheapest Policies

Looking for the cheapest comprehensive car insurance in Australia? According to Finder research, the average comprehensive policy runs at $1,362 per year, while Bingle’s average is just $862. That’s around $500 in potential savings, making Bingle a standout choice for budget-minded motorists. Whether you drive sporadically or cover high kilometres, Bingle’s transparent pricing is ideal for anyone who wants straightforward cover without the hidden costs.

6. QBE – Flexible Cover and Global Expertise

QBE is one of Australia’s oldest and largest insurers, backed by a global network spanning more than 30 countries. That scale means they can spread risk internationally while still offering locally attuned products and customer service. Whether it’s a suburban hatchback, a weekend 4WD, or a high-end prestige model, QBE’s underwriting strength and established claims processes ensure a consistently smooth experience.

Beyond private car cover, QBE also caters to business needs with fleet and commercial plans that let you package multiple vehicles under one policy. Their corporate solutions can be adjusted to suit everything from small contractor fleets to large-scale transport operations—complete with negotiated rates and claims support dedicated to keeping your vehicles on the road.

Why Choose QBE?

• Proven global strength with deep local expertise in Australia
• Specialised options for 4WDs, prestige vehicles and classic cars
• Access to extensive approved repairer networks and dedicated claims teams

Coverage and Policy Options

• Comprehensive Cover: Full protection for accidental damage, fire, theft, storms and other insured events
• Third Party Fire & Theft: Liability cover plus your own vehicle against fire or theft
• Third Party Property Damage: Essential liability protection for damage you cause to other people’s cars or property
• Extras: Optional hire car cover, roadside assistance and choice of agreed value (pre-agreed sum insured) or market value cover
• CTP Insurance: Automatically included at vehicle registration in NSW, QLD and SA

How to Get a Quote

You can obtain an instant online quote and purchase policy cover at QBE’s car insurance portal. Business customers can also work directly with QBE’s commercial specialists to tailor fleet or corporate motor plans, securing volume discounts and bespoke terms that align with their unique risk profile.

7. GIO – Trusted Tasmanian-Based Insurer

GIO has been a familiar name for Tasmanian motorists since 1925, and it still prides itself on local knowledge and swift, personalised service. Now part of the Suncorp Group, GIO combines national resources with community-based teams in Tasmania and New South Wales. That regional focus means you’re dealing with people who understand local roads, weather patterns and repair networks—so claims often move faster and more smoothly.

Over the years, GIO has picked up industry accolades for customer service and claims handling. Policyholders consistently praise the clarity of communications and the hands-on support they receive when lodging a claim. If you value an insurer that answers local calls and settles claims without the usual runaround, GIO is a strong contender.

Why Choose GIO?

• Strong regional footprint in Tasmania and NSW, backed by community-focused claims centres.
• Award-winning customer and claims service, noted for clear advice and timely resolutions.
• Backed by the Suncorp Group for financial stability and access to a wide repairer network.

Coverage and Policy Options

GIO’s car insurance range is straightforward yet flexible:

• Comprehensive Cover: Accidental damage, storms, flood, hail, fire and theft, plus third-party liability.
• Third Party Fire & Theft: Covers damage you cause to other vehicles/property and your own vehicle against fire or theft.
• Optional Extras: Windscreen and glass cover, rental car after an accident, and optional roadside assistance for towing, battery boosts and on-the-spot repairs.

How to Quote Online

Getting a tailored quote takes minutes. Visit the GIO car insurance page, enter basic vehicle and driver details, and review your options instantly. If you already insure your home or landlord’s property with GIO, you can bundle policies for additional discounts—keeping more money in your pocket without compromising cover.

8. NRMA – Member Perks and Roadside Assistance

NRMA has been a household name in New South Wales and Queensland for more than a century, combining motor insurance with one of the country’s most extensive roadside assistance networks. As part of the NRMA Motoring & Services organisation, policyholders benefit from more than just cover — they get access to emergency recovery, exclusive member discounts and a community-minded approach to claims. If you value prompt roadside help and perks that go beyond a standard policy, NRMA should be on your shortlist.

Why Choose NRMA?

Unlike many insurers, NRMA bundles insurance with membership benefits that reward loyalty:

• Priority Breakdown Support: NRMA members receive first call on roadside assistance, often arriving within 30 minutes during peak times.
• Complimentary Towing: Members enjoy free tows—usually up to 20 km per incident—to the workshop of their choice.
• Emergency Accommodation: If your vehicle needs overnight repairs far from home, NRMA can arrange and cover reasonable accommodation costs.
• Peace of Mind: Backed by a brand that has served NSW and QLD drivers since 1925, you know help is just a call away, 24/7.

Coverage and Policy Options

NRMA’s car insurance range offers two core products with optional extras to tailor your cover:

• Comprehensive Cover: Protects against accident damage, theft, fire, storms, vandalism and third-party liability. You can also add new-for-old replacement on cars under two years, windscreen and window glass cover, and choice of repairer.
• Third Party Property Damage: Covers legal liability for damage you cause to other people’s vehicles and property—ideal for budget-conscious motorists.
• Optional Extras: Enhance your policy with battery service, lockout and key rescue, hire car after an accident and roadside assistance upgrades for peace of mind on long trips.

How to Get a Quote

Getting an NRMA quote is quick and transparent. Simply visit the NRMA car insurance page, enter your vehicle details and driving history, then review instant premium options. If you’re already an NRMA member, log in to unlock member-only discounts on your policy. NRMA also offers multi-vehicle savings when you insure two or more cars under the one account. Head to https://www.nrma.com.au/car-insurance to see how much you could save.

9. iSelect – Independent Comparison with Price Confidence

iSelect takes the guesswork out of car insurance by consolidating quotes from a broad spectrum of Australian insurers. Instead of visiting multiple websites, you answer a few questions once and then compare policies side by side—saving time without sacrificing choice. On top of that, iSelect backs its service with a Price Confidence Guarantee, so you know you’re securing a competitive deal.

Why Choose iSelect?

As a true marketplace, iSelect partners with leading insurers to display real quotes in real time. Their Price Confidence Guarantee offers an added safety net: if you find an identical policy from the same insurer for a lower annual premium within 30 days of purchase, iSelect will reward you with a $100 e-gift card. With no extra fees for comparison, it’s a risk-free way to make sure you’ve landed the right policy at the right price.

Coverage and Policy Options

iSelect covers all the main car insurance categories:

• Comprehensive Cover: Maximum protection for accidental damage, theft, fire and weather events.
• Third Party Fire & Theft: Liability cover for other people’s property plus fire and theft cover for your car.
• Third Party Property Damage: Legally required liability cover for any damage you cause to other vehicles or property.

Note that compulsory third party (CTP) insurance isn’t offered through iSelect’s comparison tool—CTP remains part of your state’s registration process.

How to Compare and Buy

Getting started couldn’t be simpler. Head over to the iSelect car insurance page, enter your vehicle and driver details, then filter results by price, cover features or insurer ratings. With a Trustpilot score of 4.6 out of 5 based on over 4,200 reviews, you can see which insurers consistently deliver on service. Once you’ve chosen a policy, iSelect handles the paperwork and directs you to the insurer’s purchase page. It’s a streamlined journey that puts you firmly in control of your car insurance decision.

10. AAMI – Australia’s Long-Standing Insurer

AAMI has been a fixture in the Australian insurance landscape for decades, earning its reputation through a blend of broad coverage options, a vast repairer network and simple digital tools. Whether you prefer getting car insurance quotes online in minutes via their mobile app or you value having access to local branches and partnered mechanics, AAMI combines traditional service with modern convenience.

Why Choose AAMI?

• Trusted heritage: Operating since 1970, AAMI has grown into one of Australia’s most recognised car insurers, backed by Suncorp’s financial strength.
• Extensive network: AAMI-approved repairers span the country, so you’re never far from a workshop that meets their quality standards.
• Digital convenience: The AAMI app lets you request quotes, lodge claims, track repairs and manage your policy on the go.

Coverage and Policy Options

AAMI’s car insurance range lets you tailor cover to suit your needs:

• Comprehensive Car Insurance:
  • Up to $20 000 000 in third-party liability for damage you cause to others.
  • New-for-old replacement if your vehicle is written off within two years of its manufacture date.
  • Choice of repairer, or access to AAMI’s preferred network for guaranteed workmanship.
• Optional Extras:
  • Windscreen and window glass cover with reduced or waived excess.
  • Roadside assistance for battery boosts, tyre changes, towing and more.
  • Accident hire car cover to keep you mobile while repairs are under way.

How to Get a Quote and Discounts

Securing a competitive rate is straightforward:

1. Visit AAMI’s online quoting tool at aami.com.au/car-insurance/comprehensive.html.
2. Fill in a few vehicle and personal details to generate instant car insurance quotes online.
3. Check for multi-policy savings if you bundle home, landlord or life cover, and ask about safe-driver or payment discounts (annual payment often attracts a lower rate).

With its blend of heritage, network support and digital flexibility, AAMI remains a go-to choice for Australians seeking reliable cover and fast, online quotes.

Finding the Right Policy for You

Choosing the right car insurance is more than just picking the cheapest premium—it’s about matching your cover to the way you drive, the vehicle you own and the rules in your state. Start by considering your budget alongside your tolerance for out-of-pocket costs. A higher voluntary excess can reduce your annual premium, but you need to be confident you could cover that excess in the event of a claim.

Next, think about your vehicle type and usage. Do you drive an electric car, a work ute or a prestige model? Each insurer treats these differently, so be sure you compare specialist EV cover or agreed-value options if your car is new or high-value. If you use your vehicle for rideshare, courier delivery or business tasks, you’ll want to select a policy that explicitly includes “business use” or a specialised commercial package.

Payment frequency and loyalty incentives can also make a difference. Paying annually often attracts a discount compared to monthly instalments, and many insurers offer multi-policy or safe-driver benefits. Don’t forget to check your state’s CTP requirements—Green Slips in NSW aren’t the same as no-fault CTP in the NT, so factor that cost into your overall spend.

Before you commit, compare cover levels (comprehensive, TPF&T, TPPD), optional extras (roadside assistance, hire car, windscreen cover) and insurer ratings. Read the Product Disclosure Statement (PDS) for exclusions and limits, and look at independent reviews to gauge claims service and customer support.

Ready to secure the best cover at the lowest price? Start your quote with Australia’s Price-Beat Guarantee specialist at National Cover today.