Who is the best comprehensive car insurance in Australia depends on what you value, whether low price, claims service, or extra benefits. According to Canstar, Finder and ProductReview awards for 2024-2025, several insurers consistently rank at the top. For overall best value, Budget Direct is often rated best for cheap premiums and good online service, winning Canstar Outstanding Value awards and offering up to 30% discount for online and multi-policy, plus good benefits like new car replacement for 2 years. For best claims service and repair network, NRMA Insurance is considered best in NSW and ACT, with a huge repair network, lifetime guarantee on repairs, and excellent customer service with 4.5 stars on ProductReview. For best for Tesla and electric vehicles, Allianz and NRMA are best because they include cover for charging equipment, battery and emergency charging. For best for young drivers, Rollin and Youi are best with lower age excess. For best for older drivers over 50, Apia is best with senior discounts. For best for choice of repairer, Youi and Suncorp are best. In terms of features, the best comprehensive policy should include agreed or market value choice, hire car after theft or not-at-fault accident, windscreen cover without excess, new car replacement for 2 years if total loss, cover for personal items in car, and emergency accommodation if you break down far from home. Budget Direct, NRMA, Allianz, Youi and Suncorp all offer these features. The best way to find best for you is to compare at least 5 quotes on Compare the Market or Finder.
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