Australian car insurance provider reviews
Neutral, plain-English overviews of 16 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.
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Australian car insurance provider directory
16 of 16 providers · sorted alphabetically
AAMILong-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
AllianzGlobal 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
APIASpecialist 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
BingleOnline-only no-frills budget insurer.
No-frills budgetOnline onlyNational- Distribution
- Online-only direct
- Cover types
- Comp · TPP
- Geography
- National
- Bundling
- Very limited
Budget DirectBudget direct insurer with streamlined online quoting.
Budget directOnline focusedNational- Distribution
- Direct online + phone
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Limited
ColesRetail-distributed insurance underwritten by a partner insurer.
Retail brandLoyalty alignedNational- Distribution
- Retail-branded direct
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Loyalty-aligned
Everyday Insurance from WoolworthsRetail-distributed insurance underwritten by a partner insurer.
Retail brandLoyalty alignedNational- Distribution
- Retail-branded direct
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Loyalty-aligned
GIOLong-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 InsuranceMainstream 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
QBEMajor Australian insurer accessible direct and via brokers.
MainstreamBroker accessibleNational- Distribution
- Direct + broker channels
- Cover types
- Comp · TPFT · TPP
- Geography
- National
- Bundling
- Personal + business lines
RACQQueensland 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
RACVVictorian 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 InsuranceDirect 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
Rollin'Digital-first pay-as-you-drive insurer pitched at low-mileage drivers.
Pay-as-you-driveDigital-firstLow mileage- Distribution
- Direct (web + app)
- Cover types
- Pay-as-you-drive comprehensive
- Geography
- National
- Bundling
- Standalone
SuncorpMajor 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
YouiTailored 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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