Australian car insurance provider reviews
Neutral, plain-English overviews of 15 Australian car insurance brands — what each offers, who it may suit, and how it compares. Use these alongside each insurer's PDS as a starting point for your own comparison.
Browse by priority
Australian car insurance provider directory
15 of 15 providers · sorted alphabetically
- AAMI
Long-established national mainstream brand, online and phone.
MainstreamDirect + phoneNational- Distribution
- Direct (online, app, phone)
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- AAMI personal lines
- Allianz
Global insurer with broad Australian operations and partner channels.
MainstreamDirect + partnersNational- Distribution
- Direct + partner channels
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Personal + business lines
- APIA
Specialist insurer pitched at Australians aged 50 and over.
Over-50s focusSpecialistNational- Distribution
- Direct, over-50s focused
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- APIA personal lines
- Bingle
Online-only no-frills budget insurer.
No-frills budgetOnline onlyNational- Distribution
- Online-only direct
- Cover types
- Comp · TPP
- Geography
- National
- Bundling
- Very limited
- Budget Direct
Budget direct insurer with streamlined online quoting.
Budget directOnline focusedNational- Distribution
- Direct online + phone
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Limited
- Coles
Retail-distributed insurance underwritten by a partner insurer.
Retail brandLoyalty alignedNational- Distribution
- Retail-branded direct
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Loyalty-aligned
- GIO
Long-established mainstream Australian insurer, direct and phone.
MainstreamDirect + phoneNational- Distribution
- Direct (online, app, phone)
- Cover types
- Comp · TPFT · TPP · CTP (eligible states)
- Geography
- National
- Bundling
- Personal + business lines
- NRMA Insurance
Mainstream Australian brand with branch network in eastern states.
MainstreamBranch networkEastern states- Distribution
- Direct + branch
- Cover types
- Comp · TPFT · TPP · CTP (NSW/ACT)
- Geography
- Strong NSW · ACT · QLD · TAS
- Bundling
- NRMA personal lines
- QBE
Major Australian insurer accessible direct and via brokers.
MainstreamBroker accessibleNational- Distribution
- Direct + broker channels
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Personal + business lines
- RACQ
Queensland motoring-club insurer with member benefits.
Member clubQLD focusBranch network- Distribution
- Member-aligned, branch + digital
- Cover types
- Comp · TPFT · TPP
- Geography
- Queensland
- Bundling
- Member services + insurance
- RACV
Victorian motoring-club insurer with member benefits.
Member clubVIC focusBranch network- Distribution
- Member-aligned, branch + digital
- Cover types
- Comp · TPFT · TPP
- Geography
- Victoria
- Bundling
- Member services + insurance
- Real Insurance
Direct insurer offering car, life and pet insurance products.
Direct + phoneSpecialistNational- Distribution
- Direct (online, phone)
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Real Insurance personal lines
- Suncorp
Major Australian insurer with strong Queensland heritage.
MainstreamQLD heritageNational- Distribution
- Direct (online, app, phone)
- Cover types
- Comp · TPFT · TPP · CTP (eligible states)
- Geography
- National · strong QLD
- Bundling
- Suncorp personal lines
- Woolworths
Retail-distributed insurance underwritten by a partner insurer.
Retail brandLoyalty alignedNational- Distribution
- Retail-branded direct
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Loyalty-aligned
- Youi
Tailored direct quoting, traditionally phone-led.
Phone-led tailoredDirectNational- Distribution
- Phone-led direct
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Limited
Head-to-head comparisons
Side-by-side comparisons covering the most-asked-about pairings. None of these declare a winner — the right fit depends on your vehicle, location and what you value in an insurer.
Not sure where to start?
If you're new to comparing car insurance, the comparison guide walks through what to put side by side. The quotes guide covers what insurers ask and how to set up an apples-to-apples comparison.
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