AAMI car insurance review: cover, features and how it compares
A neutral, plain-English overview of AAMI car insurance in Australia — what it offers, who it may suit, and what's worth weighing before comparing it with other insurers.
Overview
AAMI is a long-established Australian car insurance brand with a national footprint and a broad product range. It's part of a major Australian insurance group and distributes primarily direct to consumers via its website, app, and phone.
Like most major insurers, AAMI offers the standard ladder of car insurance cover — comprehensive, third party fire and theft, and third party property — alongside optional extras and add-ons. Specifics, exclusions and limits are set out in the AAMI PDS for each product.
Who AAMI car insurance may suit
- Drivers who want a recognised national brand with branch, phone and digital channels
- Customers who value an established claims network across Australia
- People who want to bundle car insurance with other AAMI products (home, contents, motorcycle)
Who it may not suit
- Drivers chasing the lowest possible premium without weighing features or service
- Customers who prefer a fully online, no-phone-contact experience (other brands lean further this way)
- High-risk drivers who may be declined by mainstream underwriting and need specialist cover
Cover types offered
AAMI typically offers the following cover types. Specific inclusions, exclusions and limits sit in the AAMI PDS for each product.
- Comprehensive car insurance
- Third party property
- Third party fire and theft
- CTP / green slip in eligible states
For background on what each cover type means, see our explainers on comprehensive car insurance and third party car insurance.
Key features
Online, app and phone claims lodgement with a national repairer network. Specific timeframes and conditions sit in the PDS.
Standard and voluntary excess choices at quote time, with age-based and inexperienced driver excesses commonly applying on top.
Hire car after an accident, choice of repairer and roadside assistance are commonly available as add-ons or upgrades.
Mobile app and online account for policy management, claims and renewals.
Pricing positioning
AAMI is generally positioned in the mid-market — neither the cheapest direct brand nor the most premium. Actual quotes vary widely by driver, vehicle and postcode, so it's worth comparing AAMI against both budget and major competitors using matched inputs.
For more on what shapes premiums in general, see our pages on car insurance cost and lowering your premium.
Pros and cons
- Long-established brand with broad national presence
- Multiple ways to lodge claims (online, app, phone)
- Bundling options across personal lines
- Broad set of optional extras
- Not always the lowest-priced direct option
- Pricing varies widely between profiles — not a one-size-fits-all winner
- Optional extras can add meaningfully to the premium if all stacked
How AAMI compares with other Australian insurers
AAMI is one of several mainstream brands worth quoting alongside NRMA, Allianz, Suncorp and Budget Direct. For a fair comparison, lock the same vehicle, drivers, excess and sum-insured method across each quote.
Related provider reviews worth comparing:
Useful background reading:
Frequently asked questions
Compare your options
The cleanest way to test whether AAMI is competitive for you is to quote it alongside a couple of other insurers using identical inputs. The pages below cover both the comparison framework and the quote process.
CoverScout may receive a commission or referral fee when you click through or apply for certain products. This does not change the price you pay. Our guides are written to help users compare options, but we may not compare every provider in the market.