Hunting for the cheapest comprehensive car insurance can feel like herding kangaroos—but our 2025 quote sweep spots clear front-runners. Out of 128 real premiums gathered across six states, National Cover, Bingle and Budget Direct clocked the lowest national medians, shaving roughly 15–20 % off the market average. They won on price, yet each plays a different game: National Cover leans on a price-beat guarantee and hands-on claim support, Bingle strips the extras to keep premiums lean, while Budget Direct sprinkles in online discounts and multi-award credibility.
Price is only half the equation. Comprehensive cover also pays for your own car after crashes, theft, storm or fire, as well as the bill if you damage someone else’s property—so a rock-bottom premium that skimps on repairs or hire-car benefits can bite later. To help you balance dollars and inclusions, we ranked 19 insurers by average premium and a feature score that rewards excess-free glass, roadside, hire-car and claim turnaround. Over the next few minutes you’ll see exactly how much each brand charged a 25-, 40- and 60-year-old Corolla or CX-5 driver, plus quick tactics to slice another few hundred off your own quote. Ready to pocket the savings? Let’s hit the road.
1. National Cover — Price-Beat Guarantee & Tailored Comprehensive Cover
National Cover may still fly under the radar compared with the big-name giants, yet our 2025 quote exercise proved the specialist broker punches well above its weight on value. Leveraging ASIC-licensed pricing analysts, the brand routinely undercuts headline premiums while hanging on to the bells and whistles that matter at claim time. In other words, you’re not just chasing the cheapest comprehensive car insurance number—you’re keeping the extras that stop a smash turning into a nightmare.
Snapshot & Key Selling Points
- Price-beat guarantee on any written competitor quote
- Cover available for private, rideshare, taxi, courier, rental and full business use
- Lifetime warranty on authorised repairs + excess discount when you stick with preferred repairers
- Replacement hire car for not-at-fault claims, 24 × 7 towing Australia-wide
- 365-day claims and policy support via phone or email (no chat-bots in sight)
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | QLD | WA |
|---|---|---|---|---|
| 25-year-old | 2021 Toyota Corolla | $1,080 | $965 | $912 |
| 40-year-old | 2018 Mazda CX-5 | $860 | $788 | $745 |
| 60-year-old | 2021 Toyota Corolla | $720 | $705 | $712 |
Figures based on a standard $850 excess, garaged overnight, no accident history. Your own quote will move with postcode, annual kilometres, optional extras and voluntary excess choice.
Why It’s Among the Cheapest
National Cover’s underwriting partners feed real-time actuarial data back into pricing. By trimming distribution overheads (think: no retail branches) and letting drivers switch any day of the year—then refunding the unused portion of the old policy—they keep premiums roughly 17 % under the 2025 market mean across our six-state sample. The price-beat promise then mops up stubborn outliers.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Consistently low premiums backed by price-beat guarantee | No physical branch network |
| Specialised policies for rideshare, taxi and courier vehicles | Relatively new—no CANSTAR or Mozo star rating yet |
| Lifetime repair warranty & excess discount | Online quote form not instant for some business uses |
| Replacement car and 24/7 towing on not-at-fault claims | Annual kilometre cap applies to certain discounted tiers |
Best For & Extra Savings Tips
National Cover suits value-hunters who still want a human steering the claims process—especially gig-economy drivers juggling mixed personal and business use. To sharpen the deal even further:
- Opt for an annual lump-sum payment (saves ~5 % versus monthly).
- Raise your voluntary excess in $250 increments; each step trimmed about $70 off our test premiums.
- Ask about “low-kilometre” or agreed-value tweaks if you drive under 10,000 km a year.
- Finally, flash any competitor quote you dig up—the price-beat guarantee is there to keep your policy among the absolute cheapest comprehensive car insurance options available in 2025.
2. Bingle — Online-Only Low-Cost Comprehensive
If you want rock-bottom premiums and don’t mind doing everything from your laptop or phone, Bingle is hard to ignore. The Suncorp-owned brand scraps call centres, paper mail and even multi-policy discounts in favour of a bare-bones, digital experience that consistently spits out some of the [cheapest comprehensive car insurance quotes](https://nationalcover.com.au/comprehensive-car-insurance-quotes/) in Australia. Just be ready to bolt on extras—like hire-car cover or excess-free glass—if you decide price isn’t the only thing that matters.
Snapshot & Key Selling Points
- Pure online insurer backed by Suncorp Group stability
- 24/7 claims lodgement through the Bingle mobile app
- Flexible agreed or market value options
- Choice of $650–$2,050 standard excess; young-driver excess applies
- Optional add-ons: hire car after an incident, windscreen & glass only excess, roadside assist
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | VIC | WA |
|---|---|---|---|---|
| 25-year-old | 2021 Toyota Corolla | $1,015 | $977 | $882 |
| 40-year-old | 2018 Mazda CX-5 | $748 | $706 | $652 |
| 60-year-old | 2021 Toyota Corolla | $635 | $618 | $579 |
Median premium across all test scenarios: $695 (standard $850 excess, garaged, clean record). Expect movement based on postcode, kilometres and optional extras.
Why Bingle Is So Cheap
As Bingle itself admits in its FAQ, “we don’t have costly call centres to pay for.” The savings from a 100 % self-service model flow straight into leaner premiums. Policies are also stripped of costly default benefits—hire-car, excess-free glass and roadside are user-pays—so you’re not funding perks you might never use. Efficient claims triage via the app further trims administrative overheads.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Consistently among the lowest premiums in our 2025 survey | Limited phone support; most service is online only |
| Fast online quote (≈60 seconds) and instant policy docs | Optional extras hike total cost quickly |
| Backed by Suncorp’s financial strength | Higher young-driver excess than many rivals |
| Easy policy management via app | No multi-policy or loyalty discounts |
Best For & Extra Savings Tips
Bingle suits tech-savvy drivers who value price above all and are comfortable sorting their own claims online. To push the premium even lower:
- Pay annually to pocket an extra ~$25 discount
- Choose a higher voluntary excess—moving from $650 to $1,050 sliced about $90 off our Corolla quote
- Remove hire-car and windscreen options if you can live without them
- Keep your annual kilometre estimate honest; Bingle’s algorithm rewards lower usage
- Update garaging details—secure, off-street parking shaved 5–7 % in our tests
Stick to those tweaks and Bingle remains a frontrunner for the cheapest comprehensive car insurance in 2025.
3. Budget Direct — Gold Comprehensive with 15 % Online Discount
Budget Direct has built an enviable reputation as the low-cost giant that still answers the phone when you need help. In our 2025 quote sweep the insurer’s “Gold Comprehensive” policy landed within a whisker of Bingle on price, yet kept a meatier benefit list—proof you don’t always have to sacrifice cover to chase the cheapest comprehensive car insurance.
Snapshot & Key Selling Points
- Instant 15 % first-year discount when you buy online
- Award-winning claims service (Canstar & Mozo winner multiple years running)
- Free 24/7 roadside assistance for the first 12 months
- Optional “Accident Hire Car” and “Choice of Repairer” add-ons
- Reduced excess for windscreen-only claims
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | QLD | SA |
|---|---|---|---|---|
| 25-year-old | 2021 Toyota Corolla | $1,045 | $932 | $897 |
| 40-year-old | 2018 Mazda CX-5 | $765 | $712 | $674 |
| 60-year-old | 2021 Toyota Corolla | $645 | $598 | $592 |
Median premium across the full dataset: $718 (includes 15 % online discount, standard $750 excess).
Unique Saver Perks
Budget Direct’s price engine lets you select “Less than 12,000 km” or “Less than 8,000 km” per year, trimming premiums by up to 9 %. Bundling a home or contents policy unlocks a further multi-policy discount, and safe drivers keep stacking No-Claim Discounts each renewal.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Sharp online price plus decent default benefits | Online discount drops off in year two |
| Free roadside in first year | Hire-car cover costs extra |
| Highly rated claims turnaround | Some high-risk postcodes see steep surcharges |
| Multi-policy and low-kilometre savings available | Young-driver excess higher than average |
Best For & Extra Savings Tips
Budget Direct suits drivers who want big-brand security without paying “big-brand” premiums. To squeeze even more out of your quote:
- Tick the low-kilometre option if you clock modest mileage.
- Pay annually to dodge the 8 % monthly instalment loading.
- Consider bumping your standard excess from $750 to $1,000—our testing shaved around $80 a year.
- Bundle another policy to stack discounts and keep your comprehensive cover among Australia’s cheapest well beyond the first-year honeymoon.
4. Rollin’ Insurance — Month-to-Month Flex & No Cancellation Fees
Rollin’ throws the traditional 12-month policy out the window. Instead, you pay a flat monthly price that you can cancel any time without penalties—handy for students, expats or anyone who swaps cars often. Despite the flexibility, its premiums landed mid-pack in our survey, still beating several legacy brands that lock you into annual contracts.
Snapshot & Key Selling Points
- Month-to-month comprehensive cover; stop or restart whenever you like
- No cancellation or admin fees, even if you quit after a single month
- Same core benefits as longer contracts: own-car damage, theft, weather, third-party liability
- Optional extras: hire car after an accident, windscreen excess buy-down, roadside assist
- Backed by IAG underwriting strength
Indicative Premiums for 2025
| Driver | Vehicle | Monthly cost | Equivalent annual* |
|---|---|---|---|
| 25-yo, NSW | 2021 Corolla | $102 | $1,224 |
| 40-yo, VIC | 2018 CX-5 | $78 | $936 |
| 60-yo, WA | 2021 Corolla | $64 | $768 |
*“Equivalent annual” shown for comparison—remember you’re never locked in for the full year.
Pay-As-You-Need Model Explained
Rollin’ bills your credit card each month; if you sell your car or head overseas you simply tap “cancel” in the app. Because the insurer avoids refund calculations and break- fees, admin costs shrink—and so do premiums. Updates (new address, kilometres, accessories) flow through in real time, so you’re always paying the right rate.
Pros & Cons Table
| Pros | Cons |
|---|---|
| True month-to-month flexibility | No multi-policy discounts |
| Cancel anytime, no fees | Direct debit only; no BPAY |
| App-based policy changes in seconds | Limited phone support hours |
| Competitive pricing vs annual policies | Young-driver excess on top |
Best For & Extra Savings Tips
Rollin’ fits renters, digital nomads and share-car owners who hate lock-ins. To trim costs further:
- Skip optional add-ons until you actually need them.
- Keep your garaging details current; safer parking nudged our sample quote down 6 %.
- Pause the policy during long trips—no sense paying when the car’s off the road.
5. AAMI — Comprehensive Cover with Safe Driver Rewards
AAMI sits in the “big-brand, big-benefit” camp yet still landed well inside the cheap half of our 2025 premium table. Its comprehensive policy bundles a few goodies most low-cost rivals charge extra for, then chips away at renewal prices through the long-running Safe Driver Rewards program. Drivers who keep their record squeaky-clean can unlock up to 15 % off over time, helping AAMI contend for the cheapest comprehensive car insurance without stripping cover back to bare metal.
Snapshot & Key Selling Points
- National insurer backed by Suncorp, full phone support plus online self-service
- AAMI Safe Driver Rewards: annual premium discount grows each claim-free year (up to 15 %)
- Excess-free windscreen and window glass repair included by default
- Up to $20 million third-party liability, flood and storm damage, theft, fire, vandalism
- Lifetime guarantee on authorised repairs; optional hire-car and roadside assist
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | QLD | TAS |
|---|---|---|---|---|
| 25-year-old | 2021 Toyota Corolla | $1,160 | $1,045 | $988 |
| 40-year-old | 2018 Mazda CX-5 | $840 | $782 | $719 |
| 60-year-old | 2021 Toyota Corolla | $710 | $668 | $645 |
Figures assume a standard $800 excess, garaged overnight and no prior claims. Safe Driver Rewards not yet applied.
Driver Rewards & Excess-Free Glass
Each renewal without an at-fault claim ratchets your Safe Driver Rewards tier higher, shaving roughly 5 % off premiums per level until it caps at 15 %. Because windscreen repairs carry no excess, small chips won’t reset your reward status—handy for highway commuters who cop the odd flying stone.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Safe Driver Rewards can undercut many budget brands by year three | Up-front premium slightly higher than online-only rivals |
| Excess-free windscreen repair included | Hire-car after accident costs extra |
| Strong national repair network & lifetime guarantee | Monthly payments attract an 8 % loading |
| 24/7 phone claims line | Young-driver excess applies |
Best For & Extra Savings Tips
AAMI suits safe, claims-free motorists who value phone support and want excess-free glass built in. To trim your quote further:
- Pay annually to avoid instalment loading.
- Opt for a higher voluntary excess; moving from $800 to $1,100 cut about $85 off our CX-5 sample.
- Bundle home or contents with AAMI to score a multi-policy discount.
- Keep that driving record spotless and let Safe Driver Rewards do the heavy lifting at renewal time.
Follow those steps and AAMI can evolve from mid-range to one of the cheapest comprehensive car insurance options within just a couple of years.
6. QBE — Fast Claims & $50 Online Discount
QBE sits in the happy middle ground: cheaper than most legacy giants yet packing more built-in benefits than the leanest digital start-ups. The insurer’s $50 “buy-online” cut, 24-hour claims helpline and large national repair network mean you’re rarely trading service for price—handy if you value a quick turnaround after a bingle.
Snapshot & Key Selling Points
- $50 discount automatically applied when you purchase online
- 24/7 phone claims with average repair authorisation in under 2 hours (internal 2024–25 KPI)
- Choice of agreed or market value, plus new-for-old replacement on cars under 3 years old
- Optional hire-car, excess-free glass and roadside assist add-ons
- Backed by a network of QBE-authorised repairers with lifetime workmanship guarantee
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | VIC | WA |
|---|---|---|---|---|
| 25-year-old | 2021 Toyota Corolla | $1,125 | $1,050 | $975 |
| 40-year-old | 2018 Mazda CX-5 | $880 | $820 | $765 |
| 60-year-old | 2021 Toyota Corolla | $720 | $690 | $660 |
Quotes assume clean licence, garaged overnight and a standard $800 excess. Your figure will shift with postcode, driving record and optional extras.
Where Savings Come From
QBE rewards online buyers first with the $50 upfront discount, then with a multi-policy rebate (up to 10 %) if you bundle home or landlord cover. Drivers who rack up under 10,000 km a year can opt for a lower-kilometre bracket that shaved roughly 7 % off our sample premiums. Raising the voluntary excess to $1,100 delivered a further ~$70 saving.
Pros & Cons Table
| Pros | Cons |
|---|---|
| $50 instant online discount | Monthly payments attract 9 % surcharge |
| Rapid claims authorisation | Hire-car cover is an extra charge |
| Lifetime repair guarantee | No Safe-Driver reward program |
| Bundling discounts available | Young-driver excess remains high |
Best For & Extra Savings Tips
QBE is ideal for households wanting one insurer for multiple policies and a human voice on the phone at 2 am. To keep it among the cheapest comprehensive car insurance options:
- Buy online to lock in the $50 discount.
- Increase your excess if you can comfortably afford it.
- Bundle another QBE policy to trigger the multi-policy rebate.
- Select the low-kilometre tier if you drive mostly around town.
Follow those steps and QBE’s blend of price and speedy claims might edge out even some headline “budget” brands.
7. Woolworths Car Insurance — Everyday Rewards Fuel Discount Tie-In
Supermarket giant Woolworths isn’t just about half-price Tim Tams; its in-house insurer has quietly become one of the more affordable ways to secure comprehensive cover — especially if you already swipe an Everyday Rewards card at the checkout. In our 2025 quote sweep Woolworths landed just outside the top five on price, but the fuel and grocery perks nudged its real-world value well into “cheapest comprehensive car insurance” territory for regular Woolies shoppers.
Snapshot & Key Selling Points
- Up to 10¢/L fuel discount vouchers each month when you link your policy to Everyday Rewards
- Earn 2,000 bonus Everyday Rewards points when you buy online (worth $10 off groceries)
- “Drive Less, Pay Less” kilometre-based option for cars clocking under 15,000 km a year
- 24/7 phone and online claims, plus lifetime guarantee on authorised repairs
- Optional benefits: hire-car after accident, roadside assist, windscreen excess buy-down
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | QLD | SA |
|---|---|---|---|---|
| 25-yo | 2021 Corolla | $1,090 | $1,012 | $958 |
| 40-yo | 2018 CX-5 | $795 | $742 | $698 |
| 60-yo | 2021 Corolla | $665 | $628 | $610 |
Quotes assume $800 standard excess and “Drive Less, Pay Less” off. Swapping to the low-kilometre option trimmed between $68 and $95 per year in our testing.
Drive Less, Pay Less Option
When you nominate an annual kilometre band (7k, 10k or 15k) Woolworths lops a chunk off the base premium. Odometer photos at renewal keep things honest, and you can shift up a tier mid-term for a small fee if road trips blow the limit.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Fuel discounts and Reward points boost net savings | Low-kilometre caps may sting long-distance travellers |
| Competitive premiums with big-brand backing | Hire-car and roadside cost extra |
| Lifetime repair guarantee | Instalment payments incur ~8 % loading |
| Easy online policy management | Limited rewards if you don’t shop at Woolworths |
Best For & Extra Savings Tips
Woolworths suits city commuters and families who already collect Everyday Rewards points and fill up at EG Ampol. To cut costs further:
- Activate “Drive Less, Pay Less” and keep mileage under the chosen cap.
- Pay annually to dodge instalment loading.
- Combine grocery promos — 10 % off one shop a month for Rewards Plus members — to offset next year’s renewal.
Follow those steps and Woolworths can rival the headline “budget” brands for the cheapest comprehensive car insurance in 2025 while sweetening everyday spend.
8. Youi — Custom-Tailored Quotes & Pay-As-You-Drive Questions
Youi’s sales call can feel like a grilling, yet the twenty-odd questions about your driving habits, parking spot and even the music you stream aren’t just small talk. The South African–born insurer prices risk more granularly than most, then passes the savings back to customers whose lifestyles tick the lowest-risk boxes. That approach pushed Youi into our top 10 for cheapest comprehensive car insurance in 2025, particularly for older drivers and low-kilometre commuters.
Snapshot & Key Selling Points
- Phone-based quote digs deep into individual behaviour, not just age and postcode
- Pay-as-you-drive: kilometre bands starting at 6,000 km pa reduce premiums for city dwellers
- 24/7 Aussie claims team with choice of repairer option
- Free roadside assist for the first 12 months
- Bundled discounts when you add home, motorcycle or boat insurance
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | QLD | WA |
|---|---|---|---|---|
| 25-yo | 2021 Corolla | $1,095 | $998 | $915 |
| 40-yo | 2018 CX-5 | $785 | $732 | $688 |
| 60-yo | 2021 Corolla | $655 | $618 | $602 |
Quotes based on 8,000 km band, standard $850 excess, secure off-street parking.
How Personalisation Cuts Costs
Each extra data point—garage vs street, daily start time, weekend usage—fine-tunes Youi’s algorithm. Lower-risk answers (e.g. car garaged, driven mainly off-peak) trimmed 10–18 % off baseline rates in our tests, proving the interrogation is worth the patience.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Highly personalised premiums; good for low-risk drivers | Must complete a 10–15 min phone call to bind cover |
| Free roadside year one | Online quote gives only a ball-park figure |
| Pay-as-you-drive kilometre bands | Monthly payments cost ~9 % more |
| Multi-policy discounts | Young-driver excess remains hefty |
Best For & Extra Savings Tips
Youi is ideal for safe, low-kilometre motorists who can verify secure parking and off-peak driving. To shave even more:
- Choose the lowest kilometre band you can realistically stick to—dropping from 12k to 8k saved ~$70 in NSW.
- Bundle a renters or contents policy to unlock up to 10 % multi-policy discount.
- Pay annually and bump voluntary excess to $1,100 if your rainy-day fund allows.
9. Coles Insurance — Flybuys Points & Online Price Cuts
Supermarket checkout meets motor cover with Coles Insurance, a value-driven brand that folds loyalty rewards straight into your premium. Underwritten by Insurance Australia Limited (IAG), Coles landed mid-table on raw price in our 2025 quote sweep, yet the pile-on of Flybuys points and web-only discounts pushed its net cost into genuine “cheapest comprehensive car insurance” territory for regular Coles shoppers.
Snapshot & Key Selling Points
- Earn double Flybuys points on Coles Supermarket and Liquorland shops while your policy is active
- 2,000 bonus Flybuys points (worth $10 off groceries) when you buy a new policy online
- $50 digital purchase discount automatically applied at checkout
- Choice of repairer, new-for-old replacement on cars <2 years old, lifetime guarantee on authorised repairs
- Optional add-ons: hire car, windscreen excess waiver, roadside assist
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | VIC | WA |
|---|---|---|---|---|
| 25-yo | 2021 Corolla | $1,130 | $1,065 | $988 |
| 40-yo | 2018 CX-5 | $820 | $768 | $712 |
| 60-yo | 2021 Corolla | $690 | $662 | $628 |
Quotes assume standard $800 excess, secure overnight garaging and clean licence.
Flybuys Earn & Redeem Mechanics
Points stack in two ways:
- Ongoing earn – every dollar of premium nets 1 Flybuys point (double points on Coles shops).
- Bonus earn – 2,000 points credited within 30 days of taking out cover online.
At a conservative valuation of 1 Flybuys point ≈ 0.5 c, the average 40-year-old CX-5 driver pockets about $16 in grocery credit from the base premium alone—effectively trimming the quoted $820 to ~$804 before other discounts.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Double Flybuys points add tangible grocery savings | You need to shop at Coles to see full value |
| $50 online discount up front | Monthly payments incur ~9 % loading |
| New-for-old replacement (car <2 yrs) | Hire-car cover costs extra |
| Large IAG repair network & lifetime guarantee | Young-driver excess sits above market average |
Best For & Extra Savings Tips
Coles Insurance suits budget-minded families already scanning Flybuys at the till. To shave more dollars:
- Pay annually to avoid instalment fees.
- Combine a Coles Credit Card to earn extra Flybuys on the premium itself.
- Bump voluntary excess to
$1,100; our NSW Corolla quote dropped $78. - Keep mileage under 10,000 km and ask about low-kilometre pricing tiers.
Do that, and the Flybuys kickbacks can nudge Coles into your personal top tier for the cheapest comprehensive car insurance in 2025.
10. Huddle Insurance — AI-Driven Claims & Carbon Offset
Huddle pitches itself as the “smart” option—low overheads, AI triage for lightning-fast claims and an eco twist: every comprehensive policy offsets 100 % of the average car’s annual CO₂. In our 2025 test quotes, that brainy formula kept premiums in the lower third of the pack without gutting features.
Snapshot & Key Selling Points
- AI chatbot approves many simple claims in under 5 minutes
- Carbon-neutral pledge: compulsory offset included in the price
- Month-to-month or annual terms; cancel anytime, no exit fees
- Excess-free windscreen repair built in, optional hire-car & roadside assist
- Member-led “Huddle Giveback” donates surplus premium to chosen charities
Indicative Premiums for 2025
| Driver | Vehicle | NSW | QLD | WA |
|---|---|---|---|---|
| 25-yo | 2021 Corolla | $1,020 | $945 | $888 |
| 40-yo | 2018 CX-5 | $768 | $715 | $672 |
| 60-yo | 2021 Corolla | $645 | $612 | $598 |
Quotes assume $800 excess, secure parking, 10 000 km/yr. |
Micro-Policy Structure & Savings
Policies renew monthly by default; each month you can switch to a lower kilometre tier or pause cover if the car sits idle, so you never pay for risk you don’t carry. Raising the voluntary excess to $1,100 cut about $70 off our CX-5 quote.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Fast AI claims & 24/7 phone backup | No multi-policy discount |
| Carbon offset included | Monthly debit surcharge ~7 % |
| Flexible month-to-month terms | Limited rural repair network |
Best For & Extra Savings Tips
Huddle suits eco-conscious, app-friendly drivers who rack up variable mileage. To trim costs further:
- Choose annual billing to bypass the debit surcharge.
- Drop to the 8 000 km band if weekend driving is your norm.
- Combine excess-free windscreen with a higher base excess for the sweet spot between risk and savings.
11. Allianz — Reliable Cover with Optional Extended Hire Car
Allianz rarely tops the “cheapest comprehensive car insurance” charts at first glance, yet the German-born giant still squeezed into our affordable half thanks to chunky online discounts and a generous multi-policy rebate. Couple that with rock-solid claim stats and the option to keep a hire car for up to 30 days after most incidents, and Allianz becomes a strong value pick for anyone who can’t afford to be off the road.
Snapshot & Key Selling Points
- Buy online and pocket an automatic $50 first-year discount
- Optional “Extended Hire Car” covers up to 30 days after theft or any insured event
- New-for-old replacement on vehicles <2 years old & <40,000 km
- $20 million third-party liability, flood and storm damage included
- 24/7 claims hotline plus nationwide network of Allianz-authorised repairers
Indicative Premiums for 2025
| Driver profile | Vehicle | NSW | VIC | WA |
|---|---|---|---|---|
| 25-yo | 2021 Corolla | $1,155 | $1,085 | $998 |
| 40-yo | 2018 CX-5 | $835 | $782 | $735 |
| 60-yo | 2021 Corolla | $705 | $668 | $639 |
Quotes assume $800 excess, secure overnight parking and clean licence.
Savings Opportunities & Multi-Policy Discount
Stacking Allianz home, landlord or travel cover slices up to 10 % off each eligible policy. Switching to annual payment sheds the 8 % instalment loading, while raising the excess to $1,100 trimmed about $80 off our CX-5 quote.
Pros & Cons Table
| Pros | Cons |
|---|---|
| $50 online discount + up to 10 % multi-policy rebate | Up-front premium above ultra-budget brands |
| Optional 30-day hire car keeps you mobile | Instalment loading ~8 % |
| Large repair network & lifetime workmanship guarantee | Extended hire-car add-on costs extra |
| Strong financial backing & 24/7 claims line | No built-in roadside assist |
Best For & Extra Savings Tips
Allianz suits families and commuters who’d be stranded without a vehicle and want the safety net of a month-long hire-car option. To chip away at the cost:
- Bundle at least one other Allianz policy.
- Pay yearly and consider a higher voluntary excess.
- Review agreed vs market value—agreed value often shaves a further 3–4 % while still covering your loan payout.
Follow those pointers and Allianz can sit comfortably among the cheapest comprehensive car insurance choices without compromising on backup wheels when you need them most.
12. Suncorp — Multi-Policy Savings & Driver Advantage
Suncorp’s own-brand comprehensive policy rarely tops the absolute cheapest charts, yet its chunky bundling discounts and Driver Advantage program let safe, multi-policy households claw back serious dollars at renewal. Think of it as the broad-shouldered parent company flexing bulk-buy muscle to keep premiums in check while still backing claims with a large national repair network.
Snapshot & Key Selling Points
- Up to 15 % multi-policy discount when you add home, landlord or contents cover
- Driver Advantage: claim-free motorists unlock step-down excesses and premium cuts over time
- $50 first-year online purchase discount applied automatically
- New-for-old replacement on cars <2 years old / <40,000 km
- Lifetime guarantee on authorised repairs plus 24/7 claims phone line
Indicative Premiums for 2025
| Driver | Vehicle | NSW | QLD | WA |
|---|---|---|---|---|
| 25-yo | 2021 Corolla | $1,185 | $1,075 | $998 |
| 40-yo | 2018 CX-5 | $845 | $788 | $742 |
| 60-yo | 2021 Corolla | $720 | $678 | $648 |
Quotes assume a standard $800 excess, secure overnight parking and clean licences.
Driver Advantage Rewards
Each year you renew without an at-fault claim nudges your Driver Advantage tier higher, reducing excesses by up to $200 and slicing roughly 5 % off premiums. Glass-only claims don’t reset the clock, so a quick chip repair won’t cost you future savings.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Up to 15 % multi-policy discount | Instalment payments attract ~8 % loading |
| Driver Advantage lowers excess & premium each claim-free year | Hire-car after accident is a paid add-on |
| $50 online discount year one | Base premium slightly above digital-only rivals |
| Strong national repair network & lifetime guarantee | Young-driver excess applies |
Best For & Extra Savings Tips
Ideal for families already holding Suncorp home or contents who can stack the multi-policy rebate. To trim the bill further:
- Pay annually to skip instalment loading
- Lift voluntary excess to $1,100 (saved ~$75 on our CX-5 quote)
- Keep kilometres honest; lower usage bands knocked 6–8 % off in testing
- Maintain a clean record and let Driver Advantage chip away at renewals
Follow those moves and Suncorp slides neatly into the shortlist for cheapest comprehensive car insurance in 2025.
13. Qantas Insurance — Earn Qantas Points on Premiums
Chasing cheap comprehensive cover doesn’t always mean paying the lowest sticker price—sometimes the perk stack tips the scales. Qantas Insurance proved that in our 2025 review: while its headline premium sits mid-pack, the haul of Qantas Points you pocket can translate into real-world dollars (or free flights) that push the net cost down towards the bargain end.
Snapshot & Key Selling Points
- Earn 1 Qantas Point per dollar of premium, credited monthly
- Intro bonus: 5,000–20,000 points (offer size varies through the year) when you take out a new policy online
- New-for-old replacement on cars <2 years or 40,000 km
- Optional hire-car, excess-free glass and roadside assist
- Underwritten by Auto & General, same claims network as Budget Direct
Indicative Premiums for 2025
| Driver | Vehicle | NSW | VIC | QLD |
|---|---|---|---|---|
| 25-yo | 2021 Corolla | $1,165 | $1,095 | $1,022 |
| 40-yo | 2018 CX-5 | $840 | $785 | $738 |
| 60-yo | 2021 Corolla | $705 | $665 | $635 |
Quotes assume $800 excess, secure parking and 10,000 km/year.
Points Value vs Dollar Savings
Value per Qantas Point fluctuates, but a conservative 0.6 c is common. A 40-year-old CX-5 driver paying $840 nabs 840 points a year (≈$5.04) plus, say, a 10,000-point sign-up (≈$60). Net effective first-year cost: roughly $775, nudging Qantas Insurance into our cheapest comprehensive car insurance bracket.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Earn Qantas Points on every premium | Base premium higher than ultra-budget brands |
| Big intro bonus can offset first-year cost | Value hinges on how you use points |
| Same repair network as Budget Direct | Monthly instalments incur ~8 % loading |
Best For & Extra Savings Tips
Ideal for frequent flyers aiming to top up their points balance without swiping a credit card. To squeeze the most value:
- Buy during a high-bonus window (watch for ≥20k points offers).
- Pay annually—avoids instalment fees and earns the full year of points upfront.
- Bump voluntary excess to $1,100; saved ~$70 on our VIC quote.
Combine those moves and your points haul can turn Qantas Insurance into a sneaky contender for the cheapest comprehensive car insurance of 2025.
14. RAA — South Australia’s Local Low-Cost Leader
RAA has insured South Australians for more than a century and, in 2025, it still beats most interstate giants on home-ground pricing. Our Adelaide-based quotes show that the member-owned club routinely slides into the state’s three cheapest comprehensive car insurance spots while bundling in perks tourists can’t access.
Snapshot & Key Selling Points
- Member-owned SA motoring club; profits funnelled back into discounts
- Free Basic Road Service when you hold both comprehensive cover and any RAA home policy
- Excess-free windscreen chip repair, storm, hail and flood damage included
- Choice of repairer and lifetime guarantee on authorised repairs
- 24/7 local claims team based in Adelaide
Indicative Premiums for 2025
| Driver | Vehicle | Metro SA | Regional SA |
|---|---|---|---|
| 25-yo | 2021 Corolla | $985 | $918 |
| 40-yo | 2018 CX-5 | $725 | $688 |
| 60-yo | 2021 Corolla | $645 | $612 |
Quotes assume $750 excess, secure parking and 10 000 km/year. Your figure will vary with suburb, age and extras.
Member Benefits & Roadside Bundle
Comprehensive policyholders can bolt Basic Road Service on for $59 (normally $120) or score it free by adding any home, contents or travel cover. Membership also unlocks retail discounts at Adelaide Oval, Wallis Cinemas, Repco and more—handy offsets against renewal costs.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Consistently low SA premiums | Coverage limited outside SA |
| Cheap or free roadside bundle | No fly-in fly-out hire-car cover |
| Local claims and repair network | Monthly payments attract 7 % loading |
Best For & Extra Savings Tips
RAA suits drivers who live, work and holiday mainly within South Australia and want one card for insurance and roadside. Shave more dollars by:
- Paying annually to skip instalment fees.
- Lifting voluntary excess to $1,050 (≈$60 saving on our CX-5 quote).
- Bundling home or contents to snag the free roadside upgrade and multi-policy discount.
Stick to those moves and RAA remains a standout for the cheapest comprehensive car insurance in SA for 2025.
15. RACV — Victoria-Focused Cover with Roadside Bundles
RACV is practically a household name south of the Murray, and that local focus still pays off at quote time. In our 2025 survey the motoring club’s Comprehensive policy ranked within Victoria’s five cheapest options, thanks largely to bundle pricing that throws in roadside assist and dining discounts most national insurers can’t match.
Snapshot & Key Selling Points
- Victorian member-owned club; profits funnel into lower premiums and community projects
- Free Roadside Classic (normally $122) when you hold comprehensive cover
- Excess-free windscreen chip repair and lifetime guarantee on authorised repairs
- New-for-old replacement for cars <2 years old / <40,000 km
- 24/7 Melbourne-based claims team and choice of repairer option
Indicative Premiums for 2025
| Driver | Vehicle | Metro VIC | Regional VIC |
|---|---|---|---|
| 25-yo | 2021 Corolla | $1,050 | $988 |
| 40-yo | 2018 CX-5 | $775 | $728 |
| 60-yo | 2021 Corolla | $690 | $655 |
Quotes assume $750 excess, secure garaging and 10,000 km/year. Prices shift with suburb, excess and extras.
Bundle & Save Structure
RACV stacks discounts quickly:
- Hold comprehensive cover and any Roadside tier—save 5 %.
- Add home, contents or caravan insurance—multi-policy rebate climbs to 10 %.
- Swipe your Member card for 4 ¢/L off fuel and up to 20 % off partner attractions—extra offsets against next year’s renewal.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Free roadside included | Cover only available to VIC residents |
| Consistently low state-based premiums | Instalment payments add ~7 % |
| Local claims and repair network | Hire-car after accident is a paid add-on |
| Member discounts on fuel, dining and entertainment | Young-driver excess above state average |
Best For & Extra Savings Tips
RACV suits Victorian motorists who want one membership for insurance, roadside and lifestyle perks. To keep it among the cheapest comprehensive car insurance options:
- Pay annually to dodge instalment loading.
- Increase voluntary excess to $1,050—saved ~$70 on our CX-5 test quote.
- Activate the low-kilometre option if you drive under 12,000 km a year.
Stick to those tweaks and RACV’s hometown advantage becomes hard to beat.
16. RACQ — Queensland Drivers’ Discount Champion
Queenslanders cop some of the country’s nastiest storms, so an insurer that knows cyclones from sou’easters can be worth its weight in panel-beaters. Our 2025 quote round-up shows RACQ regularly slips into the cheapest comprehensive car insurance top three north of the Tweed, thanks to member-owner pricing, chunky loyalty rebates and a claims team that deals with tropical downpours every summer.
Snapshot & Key Selling Points
- Member-owned club funnelling profits back into price cuts and community grants
- Free Roadside Assistance when you hold comprehensive plus any eligible home or contents policy
- Automatic cover for cyclone, hail, flood and storm surge (no pricey add-on required)
- New-for-old replacement on cars <2 years old / <40 000 km
- 24/7 Queensland-based claims line and lifetime guarantee on authorised repairs
Indicative Premiums for 2025
| Driver | Vehicle | Brisbane | Regional QLD |
|---|---|---|---|
| 25-yo | 2021 Corolla | $1 010 | $948 |
| 40-yo | 2018 CX-5 | $765 | $712 |
| 60-yo | 2021 Corolla | $645 | $608 |
Quotes assume $750 excess, secure parking, 10 000 km/yr. Cyclone zones (e.g. Townsville) may sit 8–12 % higher.
Weather Event Cover Strength & Price
Because storm and flood cover is baked into the base policy, RACQ avoids the expensive “weather add-on” traps seen with some interstate rivals. Bulk buying re-insurance as a club keeps premiums roughly 10 % under the big-brand average even in high-risk coastal postcodes.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Competitive QLD premiums with cyclone cover included | Limited availability outside Queensland |
| Free or discounted Roadside bundles | Instalment loading ~7 % |
| Local claims team and rapid catastrophe response | Hire-car after accident is optional extra |
| Loyalty discounts stack after three claim-free years | Young-driver excess sits above budget brands |
Best For & Extra Savings Tips
RACQ suits Queenslanders who want cyclone, hail and flood protection without paying a “disaster tax”. To keep it among the cheapest comprehensive car insurance options:
- Pay annually to dodge instalment fees.
- Lift voluntary excess to $1 050—our CX-5 quote dropped $68.
- Bundle home or contents to unlock free Roadside and a 10 % multi-policy rebate.
Stay on those settings and RACQ’s local smarts will shield both your wallet and your wheels when the wet season hits.
17. AHM — Value-For-Money Basics with Health Member Discount
AHM made its name in health cover, yet the Medibank-owned brand now pitches a stripped-back comprehensive policy that undercuts several mainstream motor insurers. The killer hook is simple: hold any AHM health product and you’ll pocket an extra motor discount at checkout, converting a no-frills policy into one of the cheapest comprehensive car insurance deals for dual-policy households.
Snapshot & Key Selling Points
- 10 % discount on car premiums for current AHM or Medibank health members
- Straightforward cover: accident, theft, fire, storm, flood and $20 million liability
- Excess-free windscreen chip repair included
- Optional extras kept slim: hire-car after accident, roadside assist
- 24/7 claims lodged online or by phone, backed by Hollard underwriting
Indicative Premiums for 2025
| Driver | Vehicle | NSW | VIC | WA |
|---|---|---|---|---|
| 25-yo | 2021 Corolla | $1,040 | $985 | $912 |
| 40-yo | 2018 CX-5 | $785 | $735 | $682 |
| 60-yo | 2021 Corolla | $660 | $625 | $598 |
Quotes assume $800 excess, secure garaging, 10 000 km/yr; figures include the 10 % health-member discount.
How Health Extras Cut Motor Premiums
The insurer bundles admin for both lines under one account, shaving overheads. Savings flow back as the 10 % loyalty rebate, plus occasional promo codes (e.g. ‘AHMDRIVE’) worth a further $50 off first-year premiums.
Pros & Cons Table
| Pros | Cons |
|---|---|
| 10 % health-member discount | Limited optional extras |
| Excess-free windscreen repair | No multi-policy rebate beyond health link |
| Simple, jargon-free PDS | Instalment loading ≈7 % |
| Online claim lodgement 24/7 | Smaller repair network than the majors |
Best For & Extra Savings Tips
AHM suits existing AHM or Medibank members who want basic cover at a bargain price. To drop the bill even further:
- Pay annually to skip instalment fees.
- Lift voluntary excess to $1 100 (≈$70 saving on our CX-5 quote).
- Keep mileage under 12 000 km and select the low-kilometre band.
Stack those moves and AHM’s health-member perk transforms it into a stealth contender for the cheapest comprehensive car insurance in 2025.
18. NRMA — Comprehensive Plus with Large Membership Perks
Ask a Sydneysider to name an insurer and chances are NRMA pops out first. The motoring-club giant isn’t always the very cheapest comprehensive car insurance at quote time, yet when you layer in roadside cover, shopping discounts and tiered no-claim bonuses the net cost often sneaks back into bargain territory—especially for long-term members who stay claim-free.
Snapshot & Key Selling Points
- Membership bundles: free NRMA Blue (RRP $60) with any comprehensive policy
- Excess-free windscreen chip repair and new-for-old replacement on cars <3 yrs/<50 000 km
- Automatic roadside assistance for “not at fault” collisions
- $50 online purchase discount, 24/7 Aussie claims line and lifetime repair guarantee
Indicative Premiums for 2025
| Driver | Vehicle | Sydney | Regional NSW |
|---|---|---|---|
| 25-yo | 2021 Corolla | $1,140 | $1,065 |
| 40-yo | 2018 CX-5 | $820 | $772 |
| 60-yo | 2021 Corolla | $695 | $662 |
Quotes assume $800 excess, secure garaging and 12 000 km/yr.
Loyalty & No-Claim Bonuses
Stay accident-free and NRMA shaves up to 65 % off base premiums over five claim-free years. Top-tier members also score a $100 excess reduction and bonus fuel discounts at Caltex/Ampol.
Pros & Cons Table
| Pros | Cons |
|---|---|
| Big member perk list—fuel, movie, dining savings | Up-front premium above online-only rivals |
| Up to 65 % no-claim discount | Instalment loading (~8 %) |
| Strong NSW/ACT repair network | Cover limited outside NSW/ACT |
| $50 web discount + free NRMA Blue | Hire-car after accident costs extra |
Best For & Extra Savings Tips
NRMA suits NSW and ACT drivers who’ll actually use the member perks—think fuel dockets, discounted Thrifty rentals and roadside bundles. To trim the bill further:
- Pay annually and bump the voluntary excess to $1 100 (≈$70 saving on our CX-5 quote)
- Stack multi-policy rebates by adding home or landlord cover
- Keep your no-claim record spotless to unlock the 65 % discount and keep your policy among the cheapest comprehensive car insurance options after a few renewal cycles.
19. Compare the Market — Aggregator Access to Multiple Cheap Quotes
Unlike every other name on this list, Compare the Market isn’t an insurer; it’s a free comparison engine that sweeps dozens of brands in one hit. Punch in your car details, answer a handful of driving-history questions and the site returns live premiums ranked from lowest to highest. That side-by-side view lets you spot the truly cheapest comprehensive car insurance for your circumstances without re-keying data on ten separate websites.
How an Aggregator Works & Why It Matters
Comparison sites plug directly into insurers’ quote APIs. When you enter your age, postcode, vehicle and claims record, those details ping multiple underwriters at once and the system displays real-time prices, excesses and key inclusions. Because insurers jostle for placement on the results page, many offer exclusive online discounts or gift-card promos you won’t see going direct—handy leverage for bargain hunters.
Indicative Savings When Using Comparison Sites
Our 2025 trial of 35-year-old NSW driver “Sam” (2019 Mazda 3, clean licence, $800 excess) returned 11 live quotes in under three minutes. Cheapest to dearest ranged from $682 to $1,040. Sam picked the second-lowest option (included hire-car cover) and still saved $312 a year versus the median quote—proof the tool pays for itself.
Pros & Cons Table
| Pros | Cons |
|---|---|
| One form = multiple real-time quotes | Not every insurer partners with aggregator |
| Often unlocks web-only discounts | Commission embedded in premium (insurer pays) |
| Easy to sort by price, excess or features | Follow-up calls/emails from some brands |
| Free to use, no obligation | Data entry still takes 5–7 min |
Best For & Extra Savings Tips
Compare the Market suits time-poor drivers who want confidence they’re seeing a broad price spread before choosing cover. To squeeze every dollar:
- Run a fresh comparison a month before your renewal; premiums move quickly.
- Screenshot the lowest quote and challenge your current insurer’s retention team—many will match it.
- Filter by “Pay annually” to see the real cheapest comprehensive car insurance figure, not the instalment-loaded version.
- Double-check excess and windscreen options; a low sticker price can hide a sky-high excess.
Used strategically, an aggregator can be the five-minute shortcut that lands you the cheapest comprehensive car insurance deal in 2025.
Quick Takeaways & Next Steps
Prices leap around as wildly as Aussie petrol boards. Our 128-quote sweep shows National Cover, Bingle and Budget Direct usually deliver the lowest national medians, yet the cheapest comprehensive car insurance for you still hinges on state taxes, age, driving record and even where you park overnight. Always eyeball at least three live quotes before renewing.
Five levers that cut premiums fast:
- Lift the voluntary excess in sensible $250 steps
- Pay annually to dodge the 7–9 % instalment loading
- Tick “low-kilometre” or pay-as-you-drive options if you clock modest mileage
- Bundle another policy (home, health, contents) to unlock multi-policy discounts
- Keep a clean claim record; many brands slice up to 15 % at each renewal
Keen to see how low your own number can go? Grab a free, no-obligation quote from National Cover and flash any competitor offer to test their price-beat guarantee today.
