The best insurance for a car in Australia for most drivers is comprehensive car insurance from a highly rated insurer, because it provides the widest protection. The best provider depends on your priorities. For overall best value and customer satisfaction, Canstar and Finder awards in 2024-2025 consistently rank Budget Direct, NRMA Insurance, Allianz, Youi and Suncorp as top for comprehensive cover. Budget Direct is often rated best for low price and offers good online discounts, up to 30% off for combined policies. NRMA Insurance is best for NSW and ACT drivers for its extensive repair network, lifetime guarantee on repairs, and excellent roadside assistance add-on. Allianz is strong for new car replacement for 2-3 years if your car is a total loss, and for EV cover for Teslas and BYDs. Youi is best for tailored premiums and for drivers who want choice of repairer. If you are over 50, Apia offers great benefits. If you are under 30, Rollin is designed for you with flexible monthly payments and lower youth excess. For the actual type of insurance, comprehensive is best if your car is worth over $10,000, while Third Party Property Damage may be sufficient if your car is old and worth under $5,000-$7,000 and you could afford to replace it. Always look for key features like agreed vs market value, hire car after not-at-fault accident, windscreen cover without excess, and choice of repairer.
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