Who has the least expensive car insurance?

Who has the least expensive car insurance in Australia changes depending on your age, location and car, but comparison data from Finder, Canstar and ProductReview for 2024-2025 consistently shows that low-cost online insurers are cheapest for safe, low-risk drivers. For comprehensive cover, Bingle, which is owned by Suncorp, Budget Direct, Rollin for under 35s, and Youi often quote the lowest annual premiums for drivers over 25 with a clean record and rating 1 no-claim bonus. For example, for a 35-year-old driver in Adelaide with a Toyota Corolla, Bingle and Budget Direct often quote $650 to $850 per year compared to $1,200 to $1,500 from larger insurers like NRMA, Allianz or QBE. Budget Direct is often cheapest for drivers over 30 with market value cover and high excess, while Bingle is cheapest for metro drivers who do not need hire car or choice of repairer. For young drivers under 25, Rollin and Youi can be cheaper than Budget Direct because they have lower age loadings. For drivers over 50, Apia and Shannons can be cheaper with senior discounts. For third party property damage only, which is the cheapest optional cover, Bingle, Budget Direct and Real Insurance offer $300 to $450 per year. The best way to find the least expensive for you is to use Compare the Market or Finder and get at least 5 quotes, increase your excess to $1,000 to $1,500, choose market value, restrict drivers to over 25, and maintain rating 1. Also consider pay-as-you-drive insurers like KOBA if you drive under 15,000 km per year.