Cheap car insurance

Our experts sourced 1,000+ car insurance quotes using 36 Australian driver profiles to help you find the cheapest car insurance.

Swipe to see more top picks
Top pick:
Best value
Budget Direct Comprehensive
Finder Award
  • 15% off online purchases
  • Best Value – 2023 Finder Award winner
  • Cheaper than most insurers
Top pick:
Bingle Comprehensive
  • The cheapest policy on Finder
  • Good at covering the basics
  • Flexible payment options
Top pick:
Young drivers
ROLLiN' Comprehensive
  • Cost effective for 20 year olds
  • No added excess for under 25s
  • Pay month to month
Top pick:
Best features
Youi Comprehensive
Finder Award
  • Best Features – 2023 Finder Award winner
  • Automatically includes roadside assistance
  • Cover for collisions, weather damage and more
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Finding the cheapest car insurance

Our insurance experts have selected a handful cheap comprehensive car insurance options based on 2023 Finder Awards research.

Keep in mind, these are the insurers that typically offer the cheapest options according to our research – but your prices will differ depending on your age, driving history, the car you drive and the the state you live in.

Why you can trust our research


policies analysed


quotes gathered


hours of research

Cheap car insurance

Comprehensive car insurance is the only level of cover that protects your car as well as others. It can start from an average of $767 per year, according to Finder research.

ProviderAdjustable excessRestricted driver optionOnline sign up discount/bonusesAgreed or market valuePriceApply
Picture not described
Market$767Get a quote
Rollin' car insurance
Agreed$821Get a quote
Agreed$906More info
AAMI insurance
Both$1,000More info
Budget direct logo
Both$1,004Get a quote

Best value car insurance: Budget Direct

Budget Direct car insurance
Best value car insurance 2023

Why we chose Budget Direct:

Budget Direct is cheaper than almost all of its competitors but covers more than other budget brands. That's why it won our Best Value Finder Award in 2023.

  • It won the 2023 Finder Award for 2023 Finder Award winnersbest value car insurance. Why? Budget Direct covers the same as other insurers but charges a lot less. The average comprehensive policy costs $1,004 per year, according to our research of 32 brands. That's cheaper than 27 others including NRMA, Allianz and QBE by at least $200 a year.
  • It's cheap but you actually get quite a lot for your money (damage to your own car, theft cover, severe weather cover, towing costs, new car replacement cover, a hire car if you're in a no fault accident, and more).
  • There's lots of ways to lower your costs further. For example, you can increase your excess, restrict drivers under a certain age and get a 15% online discount.
  • It's not the cheapest policy on the market. If price is your sole concern, look elsewhere. Bingle tends to be around $200 a year less but won't cover you for as much.
Get a quote

Cheapest car insurance: Bingle

Bingle car insurance logo

What we like about Bingle:

Bingle is good if you want what is typically the cheapest comprehensive car insurance policy money can buy, according to our research. You may want to look elsewhere though if you want more than entry-level comprehensive cover.

  • Bingle offered the cheapest comprehensive car insurance out of all the providers included in our 2023 Awards.
  • It offers the standard inclusions you'd want with entry-level comprehensive cover. Bingle's policy covers damage to your vehicle, including after an accident, theft, fire or storm. It also covers accidental damage to other people's cars and property.
  • It's third party option is also typically one of the cheapest on the market if you want to downgrade from comprehensive cover.
  • Bingle is cheap because it covers you for the essentials and not much more. You'll have to pay extra if you want things such a hire car after an accident and new car replacement.
  • It's all online-only. Some customers have complained about its poor customer service if you do need to make a claim.
Get a quote

Cheap car insurance for young drivers: ROLLiN'

Rollin' car insurance

What we like about ROLLiN':

ROLLiN' is cheap for young drivers. It's good if you're in your 20s and you can cancel any time.

  • It's hard to beat on price. ROLLiN's comprehensive policy is typically the lowest-priced policy for 20-year-olds. It was $41 cheaper than Bingle, who were the second cheapest brand, according to our 2023 pricing research.
  • ROLLiN' won't hit you with an additional excess based on your age – you'll just pay $800 per named driver. This isn't standard. For example, Bingle charges an extra age excess if the driver is under 25 years old of $600.
  • ROLLiN' offers agreed value cover, giving you more control when it comes to your payout if your car's written-off.
  • ROLLiN's comprehensive policy isn't available for residents of Victoria.
Get a quote

Cheap car insurance with lots of features: Youi

Youi car insurance
Best car insurance features winner 2023

What we like about Youi:

Youi is good if you want a competitively-priced policy that covers a bit more than other insurers (such as roadside assistance).

  • Youi won the 2023 Finder Car Insurance Award for best features. It's the only car insurance provider out of 32 to automatically include roadside assistance with its comprehensive policy.
  • On average, a policy cost just over $1,100 per year when we collected 30+ quotes. Only 6 insurers were cheaper and none include roadside assistance.
  • On top of roadside assistance, you get accidental damage, theft, towing, new car replacement, baby seat replacement, personalised registration plate cover and more.
  • You typically need to chat with someone over the phone to get a policy, which may be off-putting for some people.

Get a quote

Cheap third party car insurance

Third party property damage car insurance is a cheaper alternative to comprehensive car insurance.

Keep in mind, third party policies are cheaper because they don't cover damage to your own car.

1 - 4 of 8
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Third Party Property Damage
⭐ Current offer: Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.

Who it might be good for: Drivers who only want cover for damage to another person’s vehicle and up to 15% off your first year.
Youi Third Party Property Damage
Agreed or Market
⭐ Current offer: Covered up to $5,000 for accidental damage to your car caused by an uninsured third party.

Who it might be good for: Drivers who want a reliable insurer. It was the 2022 Insurer of the Year for Customer Satisfaction.
Everyday Third Party Property Damage
Everyday Rewards Members can save 10% once a month on their Woolies shop. T&Cs apply.
ahm Third Party Property Damage
People who want to add roadside assistance and a flexible excess option (which can help lower your premium). It only covers up to $3,000 if your vehicle is damaged by an uninsured driver at fault who you can identify.

Cheap car insurance in your state

Finder sourced over 1,100 quotes based on multiple driver profiles from 30+ comprehensive policies. We've broken our research down by state. These are the cheapest policies. Keep in mind, costs differ based on your own circumstances.

Truck crush

Cheap comprehensive car insurance

Bingle logo$848.87Get a quote
Koba$863.47More info
Rollin' car insurance$1,102.26Get a quote
Budget direct logo$1,279.73Get a quote
Virgin Money$1,304.49More info
Truck crush

Cheap comprehensive car insurance

Koba$720.32More info
Rollin' car insurance$729.82Get a quote
Bingle logo$788.34Get a quote
AAMI car insurance$911.60More info
Budget direct logo$921.20Get a quote

Truck crush

Cheap comprehensive car insurance

Bingle logo$1,034.15Get a quote
Koba$1,035.74More info
AAMI car insurance$1,053.82More info
Budget direct logo$1,163.76Get a quote
GIO$1,259.28More info

Truck crush

Cheap comprehensive car insurance

Bingle logo$638.88Get a quote
Rollin' car insurance$794.90Get a quote
AAMI car insurance$810.81More info
Budget direct logo$861.08Get a quote
Koba$873.03More info

Truck crush

Cheap comprehensive car insurance

Bingle logo$669.13Get a quote
Rollin' car insurance$716.70Get a quote
AAMI car insurance$815.88More info
Budget direct logo$856.75Get a quote
Virgin Money$873.89More info

Truck crush

Cheap comprehensive car insurance

Bingle logo$623.32Get a quote
Rollin' car insurance$762.04Get a quote
Koba$868.46More info
AAMI car insurance$874.00More info
Budget direct logo$939.983Get a quote

We didn't include quotes for NT and ACT because the sample size was too small.

Tips for finding cheap car insurance

  • Compare online. Loyalty doesn't pay with car insurance – the best value policy today might be more expensive when it renews next year. Shop around and you could save hundreds of dollars.
  • Restrict drivers. Choosing not to let drivers under 25 drive your car can lead to a premium saving.
  • Choose a higher excess. You'll have to pay more upfront to make a claim, but taking a higher excess will lower your regular premiums.
  • Pay annually. Some car insurers offer discounts if you're able to pay your annual premium upfront rather than in monthly instalments.
  • Keep your car in a garage. Your car is safer if it's kept in a garage or in an off-street parking spot, so your premium should be less.
  • Pay-as-you-go. If you don't use your car much, consider a pay-as-you-drive insurance policy. It can be a cheaper alternative if you drive fewer than 15,000km per year.

Expert tips on finding cheap car insurance

Why you can trust Finder's car insurance experts


We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.

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Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions about cheap car insurance

  1. Finder Awards Car Insurance 2023
  2. Budget Direct car insurance PDS (accessed May 2023)
  3. RolliN' car insurance PDS (accessed May 2023)
  4. Bingle car insurance PDS (accessed May 2023)

More guides on Finder

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2 Responses

    Default Gravatar
    LeonMarch 31, 2019

    Hi sir
    I am looking for cheapest car insurance
    Pls help me about that

      Avatarfinder Customer Care
      MaiApril 1, 2019Staff

      Hi Leon,

      Thank you for reaching out to Finder.

      I’m afraid we may not be able to identify which of them offers the lowest rate as the insurance premium varies on the details that you will provide as you request for a quote. It may be good to click the Get Quote button above so you can start checking how each insurers charge based on your qualifications and the car that you own. There are also some deals available that you want to take advantage. You can click Get Deal for that.

      Hope this helps.

      Kind Regards,

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