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*Kirsteen is based in 3197 VIC, switched her 2010 Toyota Prado on 28/05/2024.


We do not compare all brands in the market or all products offered by all brands. At times certain brands or products may not be available or offered to you. Learn more about how our comparison service works.

Our customers make real savings

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Maddie based in 2217 NSW, switched her 2010 Suzuki Kizashi on 22/11/2023.

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Kirsteen is based in 3197 VIC, switched her 2010 Toyota Prado on 28/05/2024.

What’s the difference between types of car insurance?

We’ve compiled this table of benefits to help you see the differences between the levels of cover. This information should be used as a guide only, as different policies and insurers might offer varying coverage.

Comprehensive

Usually the highest level of cover available, it includes protection for your car and also covers damage to other people’s vehicles and property.

  • Legal liability for third party vehicle and property damage
  • Damage to your car in an accident
  • Loss or damage to your car from fire and theft
  • Storm damage to your car
  • New car replacement
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Third Party Fire and Theft

Generally covers damage you cause to other people’s vehicles and property. It also includes protection for your car for fire and theft.

  • Legal liability for third party vehicle and property damage
  • Damage to your car by an uninsured driver
  • Loss or damage to your car from fire and theft
  • Storm damage to your car
  • New car replacement
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Third Party Property Damage

It provides cover for damage you cause to other people’s vehicles and property. It only covers your car if it’s damaged by an uninsured vehicle.

  • Legal liability for third party vehicle and property damage
  • Damage to your car by an uninsured driver
  • Loss or damage to your car from fire and theft
  • Storm damage to your car
  • New car replacement
Compare now

Comprehensive

Usually the highest level of cover available, it includes protection for your car and also covers damage to other people’s vehicles and property.

  • Roadside assistance
  • Car hire after an accident
  • Windscreen excess cover
  • Choice of repairer
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Third Party Fire and Theft

Generally covers damage you cause to other people’s vehicles and property. It also includes protection for your car for fire and theft.

  • Roadside assistance
  • Car hire after an accident (fire and theft only)
  • Windscreen excess cover
  • Choice of repairer
Compare now

Third Party Property Damage

It provides cover for damage you cause to other people’s vehicles and property. It only covers your car if it’s damaged by an uninsured vehicle.

  • Roadside assistance
  • Car hire after an accident
  • Windscreen excess cover
  • Choice of repairer
Compare now

Top 5 things to know about car insurance

1

Switching is easy

Our customers tell us that our online journey is easy to use. In fact, depending on your circumstances, you could purchase a new policy in just minutes. You don’t even have to wait for your renewal notice to check if you’re on the best deal by comparing.

2

There are different types of cover

From third party insurance covering other drivers’ cars in an accident to a comprehensive policy for more complete cover for your car and theirs – there are different types of cover to suit every car and driver.

Learn more
3

There are ways to save on your premium

There are ways to save money on your premium without losing your cover. Some drivers may choose to increase their excess, while others that don’t allow younger drivers to get behind the wheel of their car may accept age restrictions to lower their premiums.

Learn more
4

Optional extras can broaden your coverage

Our partners offer optional extras so you can get more from your insurance. This is just another way to tailor your car insurance to suit your needs and broaden your coverage.

Learn more
5

Product types to suit your driving style

You can tailor your cover to suit your driving lifestyle by finding the right product to suit you. Some insurance providers may offer products based on your driving habits, like low kilometre policies for people who don’t drive as much.

It pays to compare car insurance

 

Simple to use

It only takes a few minutes to look for new car insurance policies that suit your needs.

 

Compare & save

Compare car insurance coverage options and quotes from a range of providers side-by-side.

 

Switching is easy

It’s easy to switch to a car insurance deal that better suits you and your budget.

Why compare with us?

Our smart comparison technology is trusted, free, safe and secure.

Free to use

We don’t markup the prices on our website. Our partners pay us a commission when you buy through us, so our service is free for you to use.

Trusted by Aussies

Since 2012 our smart comparison technology has helped over 6 million Aussies compare and search for savings.

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We believe the best decisions start with a comparison.

We’re proud to have helped millions of Aussies look for a better deal.

4.3 / 5
Based on 2,697 reviews
23 million comparisons and counting
4.5 / 5
Based on 1,732 reviews
Ratings as of 06/06/2024.

A guide to car insurance

Updated 16 October 2024
Written by Kenneth Young
Reviewed by Adrian Taylor

Kochie discusses what you need to know about car insurance in Australia.

Don’t miss our top tips for ways to potentially uncover savings in your policy.

David Koch
Economic Director
Play Button
 

Expert tips for choosing the right car insurance for you

Our Executive General Manager of General Insurance, Adrian Taylor, has some helpful tips for finding the right car insurance policy for you.

Adrian Taylor
Executive General Manager – General Insurance

Compare your policy renewal offer with last year’s

Your renewal policy should show both last year’s premium and your new premium, meaning you can instantly see how much more you’re being asked to pay. Make note of the difference to see how big the new change is before comparing car insurance.

Save money on your insurance

Paying your car insurance annually can often be cheaper than paying it monthly or fortnightly. If you can, consider paying a lump sum once a year for a lower price.

Consider who is a listed driver

Consider who is driving your car. Generally, drivers under the age of 25 will likely increase the premium you pay. If you can restrict the age of drivers on your policy, this can help you save money.

Cancel your policy at any time

You don’t have to wait for your renewal to save money, either. You can cancel your existing policies at any time and switch insurers. Just be aware of any cancellation fees that may apply.

What is car insurance?

Car insurance protects you against the cost of damages caused by insured events, which may include things like car accidents, theft, weather events and other unforeseen events. Depending on your cover, a car insurance policy helps pay for the cost of these damages to your car, as well as any property you might damage with your vehicle.

Car insurance coverage

What does car insurance cover?

What isn't covered by car insurance?

Does car insurance cover me for ridesharing?

Will car insurance cover my vehicle for business use?

Can I get car insurance for my four-wheel drive?

Are learner drivers covered by car insurance?

Does car insurance cover the car's window glass?

What is the best car insurance?

The best car insurance for you will depend on the level of cover you want and your circumstances. The benefits of the three types of car insurance vary, and there isn’t a one-size-fits-all policy.

Here’s what you need to know about each level of cover.

Comprehensive

Third Party Fire and Theft

Third Party Property Damage

Costs and premiums

How much is car insurance?

How can I get cheap car insurance?

What is a car insurance excess?

Important to know

What car insurance extras are available?

What's the difference between market vs agreed value?

What qualifies as a classic car?

Who offers car insurance in Australia?

There are a wide range of car insurance providers operating in Australia, offering a variety of policies from third party-only car insurance to comprehensive coverage.

Car insurance companies in Australia

How to get car insurance online

You can compare car insurance policies in just minutes through our comparison service. Simply follow the prompts and our service can provide a list of policies from our partners.

You’ll need to provide the following information to get a car insurance quote through our service, so have these details handy.

Basic car details

The level of cover

Advanced car details

Personal details

Meet our car insurance expert, Adrian Taylor

As Executive General Manager of General Insurance at Compare the Market, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.

Adrian has over 13 years’ experience in the financial services industry. He helps review general insurance content on Compare the Market to ensure it accurately breaks down complex insurance topics.