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Introduction: Struggling to Choose the Right Car Insurance in Australia?
Whether you’re a new driver, just bought your dream car, or renewing your policy—finding the right auto insurance in Australia can be confusing. With dozens of providers offering all sorts of policies, how do you know which one truly has your back when the rubber hits the road?
This article breaks down the top 10 auto insurance companies in Australia, helping you compare their features, pricing, and customer satisfaction so you can confidently protect your ride and your wallet.
Top 10 Auto Insurance Companies in Australia (2025)
| Insurance Provider | Types of Coverage | Average Annual Premium | Claims Experience | Customer Rating (out of 5) |
|---|---|---|---|---|
| AAMI | Comprehensive, Third-Party | $900–$1,400 | Smooth & Quick | 4.6 |
| NRMA Insurance | Comprehensive, Third-Party | $850–$1,500 | Trusted by locals | 4.5 |
| Allianz Australia | Comprehensive, CTP, Third-Party | $950–$1,600 | Efficient | 4.4 |
| Budget Direct | Comprehensive, Third-Party | $700–$1,200 | Award-winning service | 4.3 |
| Youi | Customised Coverage | $800–$1,400 | Personalised service | 4.4 |
| QBE Insurance | Comprehensive, CTP | $850–$1,500 | Reliable | 4.2 |
| Suncorp Insurance | Comprehensive, Third-Party | $900–$1,450 | Fast online claims | 4.3 |
| Bingle Insurance | Budget Comprehensive Cover | $600–$1,000 | App-based claims | 4.1 |
| RACV (VIC only) | Comprehensive, Roadside | $850–$1,400 | Excellent local rep | 4.6 |
| RACQ (QLD only) | Comprehensive, CTP, Third-Party | $820–$1,350 | Fast service | 4.5 |
What to Consider When Choosing Car Insurance in Australia
✅ 1. Comprehensive vs Third-Party
- Comprehensive covers theft, fire, damage to your car and others.
- Third-party covers damage to others but not your own car.
✅ 2. Compare Excess Fees
A lower premium might come with a higher excess. Always read the fine print.