Who has the best comprehensive insurance in Australia depends on your priorities, whether you value lowest price, best claims service or best benefits for electric vehicles and families. According to Canstar Outstanding Value Awards, Finder Awards and ProductReview ratings for 2024-2025, several insurers consistently rank top. For best overall value and cheapest premiums, Budget Direct is often rated best comprehensive insurance, winning Canstar 5-star value awards, offering up to 30% online discount, new car replacement for 2 years, and good extras like hire car and windscreen cover. For best claims service and repair network, NRMA Insurance is rated best in NSW and ACT with a huge recommended repairer network, lifetime repair guarantee and 4.5 stars on ProductReview. For best for electric vehicles like Tesla, BYD and MG4, Allianz and NRMA are best because they include specific EV benefits like cover for charging cables, wall chargers and emergency charging if you run out. For best for young drivers under 30, Rollin and Youi are best with lower age excess. For best for drivers over 50, Apia is best with senior discounts and extra benefits. For best for choice of repairer, Youi and Suncorp allow choice of repairer as standard. A good comprehensive policy should include choice of market or agreed value, hire car after theft or not-at-fault accident, windscreen cover with no excess, new car replacement for 2 years, personal items cover, and emergency accommodation. Budget Direct, NRMA, Allianz, Youi and Suncorp all offer these features and are considered best in different categories.
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