How much it costs to insure a car in New Zealand varies by coverage type, car value, driver age, and location, with average around $500 to $1,200 per year for comprehensive. Car insurance cost in New Zealand, offered by insurers including AA Insurance, State Insurance, AMI, Tower, and Cove Insurance, headquartered Auckland, New Zealand, has costs including third party car insurance, which covers damage to other people's property only, costing around $200 to $400 per year or $15 to $35 per month for average car, with cheap third party from $15 per month for low risk drivers, and third party fire and theft, which covers third party plus fire and theft of your car, costing around $300 to $600 per year or $25 to $50 per month, and comprehensive car insurance, which covers damage to your car and other people's property including accident, theft, fire, vandalism, and weather, costing around $500 to $1,200 per year or $40 to $100 per month for average car value $15,000 to $30,000, with average comprehensive premium around $800 per year for 30 year old driver with clean record in Auckland driving Toyota Corolla, with young drivers under 25 paying $1,000 to $2,000 per year due to higher risk, and high value cars over $50,000 costing $1,500 to $3,000 per year. Factors include driver age, claims history, car make and value, and location with Auckland higher than rural. So car insurance in NZ costs around $200 to $400 per year third party, $300 to $600 third party fire and theft, and $500 to $1,200 comprehensive average $800 per year.
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