Compare comprehensive car insurance

Compare our award winners for best comprehensive car insurance based on value, price and features.

Budget Direct Comprehensive

Budget Direct logo image
Promoted
  • Get a 15%* online discount
  • 24/7 Claims
  • Lifetime guarantee on repairs
  • Save by restricting younger drivers
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*First year's premium for a new policy. T&Cs apply.

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Compare all comprehensive car insurance policies on Finder

1 - 11 of 38
Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: The 2023 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Youi Comprehensive
Optional
Agreed or Market
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
ROLLiN' Comprehensive
Agreed
Finder's summary: One of the most cost-effective insurers for under 25s, according to Finder research, with no aged-based excess.

Who it might be good for: Young drivers looking to keep costs down and anyone who’d like to get more flexibility from their car insurance.
Australia Post Comprehensive
Optional
Agreed or Market
Finder's summary: Covers a little more than other insurers. You don’t need to pay an excess for windscreen repairs and cover applies to anyone who uses your car.

⭐ Current offer: Get $100 off your first year's premium when you buy online. T&Cs apply.

Who it might be good for: Multiple people using one car.
ahm Comprehensive
Optional
Agreed or Market
Finder's summary: Its "pay as you drive" cover can save you up to 30% compared to its standard comprehensive cover. There's also no excess to pay if you hit a Kanga or other animal.

⭐ Current offer: Get free roadside assistance for 12 months when you purchase a comprehensive car insurance policy by 30 June 2023. T&Cs apply.

Who it might be good for: Rural drivers and those who drive less than 15,000 km a year.
Bingle Comprehensive
Market
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
QBE Comprehensive
Green Company
QBE Comprehensive
Optional
Agreed or Market
Finder's summary: Our best-rated Car Insurer for Customer Satisfaction in 2021/2022 and Green Insurer for the last 3 years.

⭐ Current offer: Save $75 when you purchase a new comprehensive policy online. T&Cs apply.

Who it might be good for: Those who want a trustworthy insurer and more cover than other brands, such as 3-year new car replacement (e.g. they'll give you money for a new car for up to 3 years if yours is written off).
Everyday Comprehensive
Optional
Agreed or Market
Finder’s summary: It offers up to $500 worth of cover for child safety seats and prams, in addition to $500 in cover for personal belongings – not all insurers offer this. Plus, enjoy 10% off your Woolies shop each month. T&Cs apply.

Who it might be good for: Families and those who like to make savings as they shop at Woolies.
Club Comprehensive 4x4 Insurance
Optional
Agreed or Market
Finder's summary: With Club 4X4, you can take advantage of Australia-wide cover for your 4WDs or 4x4. Importantly, insurance extends to modifications and accessories. Also, get peace of mind with personal effects cover of up to $2,000, plus, $1500 towards the cost of recovering your off-road vehicle if you get in trouble.

Who it might be good for: Drivers of 4WDs or 4x4s looking for wide-ranging protection ahead of their next driving adventure.
Kogan Comprehensive
Optional
Agreed or Market
Finder's summary: Kogan comes with all the perks that most comprehensive car insurance policies include, but you'll also be entitled to some benefits from its online store. This usually comes in the form of a gift voucher or discount if you buy online.

⭐ Current offer: Get $125 off first year premiums when you purchase Kogan Comprehensive Car Insurance online + $10 monthly credit. T&Cs apply.

Who it might be good for: Kogan shoppers and those after a good range of policy options.
Qantas Comprehensive
Optional
Optional
Agreed or Market
Finder's summary: You need car insurance so why not get one that lets you earn Qantas Points? It's good value too (it's underwritten by the same insurer as Budget Direct).

⭐ Current offer: Earn up to 40,000 Qantas Points for every car insurance policy you take out by 31 July. T&Cs apply.

Who it might be good for: People who want more bang for their buck with Qantas Points.
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2023 Finder Awards: Best comprehensive car insurance

The 3 comprehensive car insurance policies below are based on our 2023 Finder Award winners. We've broken them down based on price, value and features. If you'd like to compare all of our comprehensive car insurance policies head here.

Car insurance methodology

Cheapest comprehensive car insurance: Bingle car insurance

Bingle car insurance logo

What we like about Bingle:

  • At an average of $767 per year, Bingle had the cheapest comprehensive car insurance premiums out of the 30+ providers we reviewed in our Finder Awards. That's $53 cheaper than the second cheapest policy: ROLLiN'.
  • It's cheaper than other insurers because it covers you for the essentials and nothing more – for example, it'll cover damage to your car, from bad weather to accidents, plus damage to other people's cars and property. If you want cover for key replacement or to insure your car for an agreed value then you'll need to look elsewhere.
  • Bingle isn't the best policy if you want lots of extras. For example, windscreen cover, a hire car after an accident and key replacement isn't automatically included.
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Best value comprehensive car insurance: Budget Direct

Budget Direct car insurance

What we like about Budget Direct:

  • It was our 2023 Finder Awards winner for best value comprehensive car insurance. It covers you for the essentials, such as damage to your own car and others, plus pays for other expenses including if you need to replace your keys or get a hire car if yours is stolen. Plus you get a 15% discount in your first year.
  • It earned the highest score for best value in our Finder Awards and an average price of $1,003 a year. Youi came second with an average price of $1,153.
  • Budget Direct doesn't necessarily offer the cheapest comprehensive car insurance policy. That award goes to Bingle. However, it does cover you for more.
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Best comprehensive car insurance for features: Youi

Youi car insurance

What we like about Youi:

  • It's good if you want a very comprehensive policy – Youi won our award for best features. It covers all the basics plus a it's the only car insurance provider to automatically include roadside assistance with its comprehensive policy.
  • It's a cost-effective policy with robust features. It costs an average of $1,154 per year inclusive of roadside assistance. Only 6 other insurers could beat this average cost but none of them include roadside assistance (which is typically around $100 extra per year).
  • You usually need to speak with someone over the phone before you buy a policy, so if you'd rather do it all online, Youi may not be best for you.
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How much does comprehensive car insurance cost?

To give you an idea of how much comprehensive car insurance might cost, we've broken down prices by different ages. Keep in mind, costs differ based on your individual circumstances.

Comprehensive car insurance

Comprehensive car insurance quotes for 20 year olds

ProviderPriceApply
Rollin' car insurance$1,058.80Get quote
Bingle logo$1,099.84Get quote
Koba$1,147.01More info
Budget direct logo$1,273.78Get quote
AAMI insurance$1,341.98More info

Comprehensive car insurance

Comprehensive car insurance quotes for 30 year olds

ProviderPriceApply
Bingle logo$695.31Get quote
Rollin' car insurance$793.20Get quote
AAMI insurance$946.41More info
Koba$961.21More info
Budget direct logo$982.90Get quote

Comprehensive car insurance

Comprehensive car insurance quotes for 40 year olds

ProviderPriceApply
Bingle logo$584.14Get quote
PD car insurance$651.27More info
Rollin' car insurance$705.29Get quote
Koba$806.53More info
AAMI insurance$846.27More info

Comprehensive car insurance

Comprehensive car insurance quotes for 50 year olds

ProviderPriceApply
Bingle logo$568.96Get quote
PD car insurance$679.87More info
Rollin' car insurance$691.66Get quote
Koba$789.44More info
AAMI insurance$846.27More info

Comprehensive car insurance

Comprehensive car insurance quotes for 60 year olds

ProviderPriceApply
Bingle logo$554.60Get quote
Rollin' car insurance$629.04Get quote
Youi$669.20Get quote
Australia Post$703.18Get quote
AAMI insurance$715.04More info

What does comprehensive car insurance cover?

Check icon

Always covered

  • Legal liability if you injure someone
  • Repairs to your car if you're in an accident
  • Repairs to your car if it's vandalised
  • Payment if your car is stolen or set on fire
  • Repairs if your car is damaged in a storm
plus icon

Typically covered

  • New car replacement if yours is written off within a certain period
  • Payment if personal items inside the car are stolen or damaged
  • Damage to a caravan or trailer
  • Roadside assistance
  • Emergency costs if you're stranded

When you think car insurance, it's possible you think 'accident'. But 'act of nature' is a big one too. 17% of the flood claims in early 2022 were for cars. That, and the ability to add rental car cover in case your vehicle needs to get fixed, is why I would always go for comprehensive cover.

Nicole Pedersen-McKinnon

Nicole Pedersen-McKinnon
Freelance finance journalist

Alex's first-hand experience

I once made the mistake of insuring a brand new car for market value instead of agreed value (in an attempt to save on my premium). Unfortunately, the car was stolen and written off. When I went to claim on insurance, I found that the market value wasn't high enough to cover what I still owed on the car and I ended up being out of pocket by around $7,000. While insuring for agreed value can increase your premium, at least it could prevent you from being stuck in the position I was!
— Alex Dalrymple, car owner

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