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Car insurance comparison

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Last updated: 05 June 2024


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

Compare more than 40 comprehensive car insurance policies to find the best cover for your ride. Select cover that has your choice of repairer, rental car after an accident, or no excess cover for windscreen replacements from the biggest brands on the market – Allianz, NRMA, RACV, Coles, GIO, Youi and more.

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We can help you get your head around the types of insurance on offer, the tips and traps when choosing a policy, and how to save money on your premiums. Read our car insurance buying guide to find out more.

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List of brands we tested in this review.

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

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    Member only

    This test score is for members only. Join now to unlock our expert results.

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    Features score

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    The score is made up of

    Incident cover (eg emergency accommodation and transport and hire car) - 25%

    New car replacement - 15%

    Choice of repairer - 12.5%

    Additional features (eg windscreen cover, roadside assistance) - 12.5%

    Personal property cover - 10%

    Default cover (fire, theft etc) and legal liability - 10%

    Agreed value 7.5%

    Excesses - 7.5%

    enter value/s in increments of i between 43 and 82

    Price score

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    The higher the percentage score, the cheaper the policy compared to other products. This score is across all policies Australia wide, but premiums can differ a lot depending on where you live. Check the $ price rating for your region or state in our comparison table to find a closer price indication for your home. "N/A" means the insurer doesn't operate here, or doesn't participate in the premium sharing program we use to collect pricing data.

    enter value/s in increments of i between 18 and 81

    Included in this comparison

    Members-only access
    • Recommended
    • CHOICE Expert Rating
    • Features score
    • Price score
    • Provider
    • ACT price comparison
    • NSW price comparison
    • NT price comparison
    • Queensland price comparison
    • SA price comparison
    • Tasmania price comparison
    • Victoria price comparison
    • WA price comparison
    • Insure for agreed value
    • Insured events
    • Contaminated fuel cover
    • Legal liability cover
    • Personal property cover
    • Child seat cover
    • Keys cover
    • Trailer cover
    • Accommodation and transport when far from home
    • Towing after an incident
    • Choice of repairer
    • New car replacement
    • Windscreen replacement
    • Roadside assistance
    • Rental car after insured event
    • Insurance for rental cars
    • Additional excesses

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