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Compare Car Insurance

Compare our Car Insurance options and discover the benefits. We’ll help you get covered with an easy comparison of policies and an online quote.

Car Insurance policy options

Compare Car Insurance

You're covered for:

  • Damage to your vehicle and to other vehicles or property

  • Emergency transport and accommodation up to $750

You won’t get:

  • New vehicle replacement

  • Cover for personal items

  • Hire car to use after an incident

Comprehensive Basics Car Insurance is our entry-level comprehensive policy. Your car will be covered for collision damage, accidental damage to other people’s property, as well as vandalism, theft, fire and severe weather. But with this level of cover, you can’t add any optional benefits.

You're covered for:

  • Damage to your vehicle and to other vehicles or property

  • Emergency transport and accommodation up to $1,000

You’ll also get:

  • New vehicle replacement

  • Cover for personal items up to $1,000

  • Option to add hire vehicle after an incident and excess-free glass cover

Comprehensive Car Insurance offers the protection of our Comprehensive Basics cover, plus new vehicle replacement, cover for personal items, and optional benefits like hire vehicle after an incident.

You're covered for:

  • Damage to your vehicle and to other vehicles or property

  • Emergency transport and accommodation up to $1,500

You’ll also get:

  • New vehicle replacement

  • Cover for personal items up to $1,000

  • Hire vehicle after an incident and excess-free glass cover

Comprehensive Plus Car Insurance is our highest level of comprehensive cover. It’s got all the basics plus optional benefits like no excess for glass damage and hire vehicle after an incident automatically included. It also offers higher value limits for certain areas of cover, like daily car hire limits and taxi fare limits.

Cover for damage you cause to other people's cars or property in an accident.

Covered

  • Damage to your car if an uninsured driver causes an accident (up to $5,000)

  • Damage to other cars if you cause an accident

  • Towing to a safe place if an uninsured driver causes an accident

Not covered

  • Damage to your vehicle if you cause an accident

Cover for your car if it's stolen or catches fire, and cover for other people's cars and property if you cause an accident.

Covered

  • Fire or theft (up to $10,000)

  • Damage to your car if an uninsured driver causes an accident (up to $5,000)

  • Damage to other cars if you cause an accident

  • Towing to a safe place if an uninsured driver causes an accident

Not covered

  • Damage to your vehicle if you cause an accident

A Compulsory Third Party (CTP) Green Slip is a must-have for NSW drivers. You need one before you can register your vehicle.

Covered

  • Your injuries from an accident for up to 52 weeks regardless of fault

  • Other people’s injuries from an accident you cause

  • Part of your income if you need time off work to recover

Not covered

  • Damage to vehicles or property

Motor Accident Injuries (MAI) Insurance is a must-have for ACT drivers. MAI Insurance pays for medical treatment for anyone injured in a road accident. You need MAI insurance before you can register your vehicle.

Covered

  • Your injuries from an accident regardless of fault

  • Other people's injuries from an accident you cause

Not covered

  • Damage to vehicles or property

A Compulsory Third Party (CTP) policy is a must-have for SA drivers. CTP Insurance pays for medical treatment if you injure someone in a road accident. You need CTP insurance before you can register your vehicle.

Covered

  • Other people’s injuries from an accident you cause

Not covered

  • Your injuries – but you can make a claim on the other driver’s CTP Insurance if they’re considered partly or completely at fault

  • Damage to vehicles or property

Got a veteran, vintage or classic car?

Our cover for vintage and classic cars is bespoke, like your vehicle. Our cover will depend on the vehicle’s model, make and special features.

Call us so we can talk about your car and give you a quote.
Call 1800 646 605
Explore Classic Insurance

Comparing car insurance?

Here’s some things to consider when choosing a policy.

While price is important, it’s not the only thing to consider when you’re choosing a policy. Here’s a few other ideas to keep in mind:

  • Car age and value: Do you have a new car you recently purchased, or an older vehicle with a lot of mileage? Sometimes it’s worth considering how much your car is worth against what you might be paying for insurance. You may want to check whether a policy has an agreed or market value arrangement when making a decision on your policy.

  • Other drivers: Will there be more than one person driving the car? Sometimes, a different excess will apply depending on who’s behind the wheel at the time of an accident. For example, an age excess can be added to a policy if a young driver (under 25) is going to be driving the car.

  • Location: Different road risks can apply to different areas, and this may impact your decision on what level of cover you want to choose.

  • Crime statistics: Did you know that in 2023-24, around 72,000 Australian households had a motor vehicle stolen? Depending on where you’re located, this may be a risk worth considering when choosing a policy. For example, Third Party Property Damage won’t cover a stolen vehicle claim, so if this is important to you, you may want to consider a Comprehensive policy or Third Party Fire and Theft instead.

  • Your budget in the event of a claim: Accidents happen and unexpected costs can be stressful. Assess the cost of insurance against how much you think you could afford to pay in the event of a collision.

Why choose NRMA Car Insurance?

Lifetime guarantee

We guarantee the workmanship of all authorised repairs of your car1

Award-winning insurance

You'll be choosing Australia's most trusted insurance brand2

100 years of help

With a century of experience, we know how to protect the things you care about

FAQs

Car Insurance Comparison FAQs

Read more

When buying car insurance, consider your budget, the types of claims you’re most likely to face and how they might impact you if you’re not covered.

To compare car insurance policies, consider:

  • what is and isn’t included and limits that can apply
  • the standard excess, including any additional fees, at claim time
  • cover for additional drivers, both named and unnamed
  • the level of support during the claims process.

NRMA Insurance has been named Australia’s Most Trusted Insurance Brand2 since 2022 (Roy Morgan). The recognition reflects the trust our policy holders have in us, and the dedication we have in providing help when motorists most need us.

With a century of experience, we know how to protect the things you care about. That’s why we’ve been voted Australia’s most trusted insurance brand, four years straight2.

Explore these articles

  • 02 December, 2025
    On the road | NRMA Insurance Blog

    Agreed vs market value

    Questioning the difference between agreed and market value and which option is right for you? We break down key considerations of each to help you decide.

    Read more
    Car Insurance Guide
  • 17 October, 2025
    On the road | NRMA Insurance Blog

    Comprehensive versus Third Party Fire and Theft

    Need help finding the right car insurance cover? We explain the difference between Comprehensive and Third Party Property Fire and Theft insurance.

    Read more
    Insurance Guide
  • 02 December, 2024
    On the road | NRMA Insurance Blog

    Do’s and Don’ts for teaching your teenager to drive

    We help you with some tips for teaching your teen how to drive, so they can feel safe and confident on the road.

    Read more
    Guide Car

Things you should know

  1. For as long as you own the car.

  2. NRMA Insurance was awarded the Roy Morgan Most Trusted General Insurance Brand in 2022, 2023, 2024 and 2025.