Introduction
The car insurance industry in Australia is highly competitive, making it difficult for consumers to pick the best policy for them. Customers frequently choose automobile insurance based on pricing, but as any insurance broker will tell you, there is much more to consider, such as the policy details, your individual needs, and the level of customer care provided. We’ve pulled together information about a range of policies for you to investigate, highlighting some best value and great quality auto insurance options. Here, we summarize the top 10 car insurance companies in Australia according to their customer feedback.
1. Budget Direct Gold Comprehensive Car Insurance
Budget Direct has won several auto insurance awards, proving that it provides excellent value for money. This policy contains useful features such as higher car coverage for 14 days following a theft or not-at-fault incident, up to $1,000 total. You’ll also be covered for new-for-old car replacement if the vehicle is less than 2 years old or has traveled less than 40,000 kilometers, and $1,000 in replacement keys. By applying for the policy online, you can earn a 15% premium discount on your first year’s coverage.
2. Huddle Comprehensive Car Insurance
One of Huddle’s standout money-saving features is its pay-as-you-drive strategy, offering up to a 30% discount on annual premiums if you drive less than 15,000 km per year. Coverage limits for selected items tend to be generous, including $500 for personal property, $500 for kid safety seats and prams, and up to $1,000 for lock and key replacement if stolen. The policy also includes $500 for travel and housing costs following an accident if you are more than 200 kilometers from home, as well as reasonable towing costs. If your car is written off, Huddle will replace it with a new one, provided it’s less than 2 years old and you are the original registered owner or it was a dealer-demonstrator model when you purchased it.
3. Woolworths Car Insurance
Woolworths’ Drive Less, Pay Less coverage option provides drivers with a premium discount if they set and stick to an annual kilometer restriction. Relevant policy points include $500 for personal property and up to $1,000 for replacing stolen keys and locks. This policy also offers new-for-old automobile replacement if your car is written off, provided it is less than 2 years old. You can save up to 15% on your first year’s premium if you apply online.
4. Youi Car Insurance
Best for Senior Drivers. Youi offers a variety of flexible solutions at a reasonable price. In an emergency, you can get up to $1,000 to cover repairs without having to go through an insurance assessment or use those funds for accommodation and travel if you’re more than 100 kilometers from home. This package also includes regular emergency roadside assistance. Youi’s higher car protection allows you to get back on the road after a theft or an accident in which you were not at fault for up to 14 days. Youi also provides new car replacement if your vehicle has been written off and is less than 2 years old and you purchased it new or as a dealer-demonstrator model.
5. Virgin Money Car Insurance
Best for Young Drivers. In the event of an emergency, Virgin Money comprehensive car insurance coverage ensures you are well taken care of. It covers up to $200 per day in travel and accommodation costs following an accident, up to $1,000 total, plus $500 in emergency repairs to get you back on the road. It also includes 14 days of higher car cover to keep you moving.
6. Rollin Car Insurance
Previously known as Poncho Car Insurance, Rollin attempts to keep protection simple by offering no-cost monthly payments and coverage that may be canceled at any time without penalty. The comprehensive policy covers damage to your automobile in the case of an accident, storm, or theft. If your car has less than 15,000 km on the odometer and is written off, Rollin will replace it with a new equivalent model. For windscreen or window glass damage, repairs are arranged without any additional fees. For other claim types, there is a single $800 excess for all listed drivers, making this a good alternative for drivers under 25 who would otherwise face an additional young driver excess. Unlisted drivers can still face an additional $3,000 excess.
7. Bingle Car Insurance
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Bingle’s policy combines the most important components of comprehensive coverage into a cost-effective package. Natural disasters and road accidents are covered, and Bingle will arrange affordable towing, travel, and lodging costs following an accident, as well as emergency repairs to get you back on the road. Being an online-only insurance provider, the sign-up and claims processes are all digital, so you’ll need to be an internet-savvy driver. Customers seem to be satisfied with this policy.
8. Koba Auto Insurance
Koba offers a tailored pricing system, helping you pay less if you drive less. Monthly premiums are calculated based on the actual distance traveled, tracked by a plug-in device that communicates with the Koba app. For most clients, this per-kilometer payment ranges between 3 and 8 cents per kilometer, with a fixed annual cost. Coverage limits include up to $500 per claim for broken baby seats ($1,000 total), higher car cover for up to 14 days following a theft ($70 per day), and $500 for emergency travel and housing if you are stranded more than 200 kilometers from home.
9. Qantas Car Insurance
Qantas car insurance allows you to earn Qantas Airline Points. You can get up to 20,000 Qantas points just for signing up. The number of points depends on your premium, with a minimum spend of $1,550 annually to qualify. Adding roadside assistance as an optional extra earns you one Qantas point for every dollar spent. This coverage offers excellent post-accident support, including higher car coverage for up to 14 days or a maximum of $1,000 after a theft or a not-at-fault accident. Travel and lodging charges after an accident are also covered. If your car is written off within two years and has less than 40,000 kilometers on the odometer, it will be replaced with a new comparable vehicle.
10. Stella Car Insurance
Specialist car insurance for women. Stella’s policy is excellent for parents, covering up to $2,000 in baby equipment and an additional $1,000 in personal items for theft and accidents. Another unique feature is domestic violence coverage, where if your car is intentionally damaged by a current or former spouse or another driver listed on your policy, you do not have to pay an excess if you report the case to the police. If your vehicle is less than 3 years old and has fewer than 60,000 kilometers, it will be replaced with a new similar model if written off. Stella offers discounts uniquely by deducting $100 from your excess for each year you don’t file any at-fault claims, up to a maximum of three years. Stella policies are available to all Australians, with additional benefits for female drivers.