We've been helping Australians for 100 years
From Brisbane peak-hour traffic to scenic road trips across regional Queensland – wherever the road takes you – we've got cover options to help protect your vehicle.
Whether you drive a family car, ride a motorcycle, tow a caravan or proudly own a classic car, you can choose the cover for each vehicle that suits your needs in the 'Sunshine State'.
Get a quote for Car Insurance in Queensland with NRMA Insurance, voted Roy Morgan's most trusted insurance brand 8 years in a row.3
Buy your Car Insurance online and we’ll automatically apply the discount. You’ll get up to 10% off your first year’s premium1. Excludes Classic Car Insurance.
It's no secret that Queensland is Australia’s ‘Sunshine State’. And with world-famous natural wonders like the Great Barrier Reef, Daintree Rainforest and Whitsundays, Queenslanders are blessed with more than just an enviable climate.
From down near Coolangatta to up past Cairns, our QLD Car Insurance policies offer cover for different vehicles, drivers and lifestyles.
Explore our Comprehensive Car Insurance, Third Party Fire & Theft Insurance and Third Party Property Damage Insurance.
If you own a different kind of vehicle, we have Caravan Insurance, Motorcycle Insurance and Classic Car Insurance.
Whether you’re in metropolitan or regional QLD, we’ve got different Car Insurance options to suit your preferences.
Cover for a wide range of things that can damage or destroy your car, including accidental damage, collision or crash, vandalism, theft, fire and severe weather.
Cover for your car if it's stolen or catches fire, as well as damage to other people's cars and property if you cause an accident.
Cover for damage you cause to other people's cars or property in an accident, as well as damage to your car caused by an uninsured driver2. This doesn’t cover fire or theft.
Specialised cover for your classic car, including cover for accidental damage or loss, fire, theft, vandalism, third party property damage and more.
NRMA Insurance claims data shows the types of incidents behind motor claims in Queensland. Collision and glass damage accounted for the largest shares of claims in FY26, while hail, storm and flood damage made up a larger share than in FY25.5
Collision was the largest motor claim category in our Queensland data, accounting for 51% of claims in FY26. This can include incidents such as rear-end collisions, hitting stationary objects or colliding with animals.5
Glass damage was the second-largest motor claim category in Queensland, accounting for 26% of claims in FY26. That’s around 1 in every 4 claims and can include damage to windscreens, windows and sunroofs.5
Hail, storm and flood damage accounted for 10% of Queensland motor claims in FY26, compared with 3% in FY25. This means these events represented a larger share of the state’s motor claim mix in FY26.5
Queensland drivers can choose from different levels of Car Insurance with us. Comprehensive Car Insurance is our highest level of cover. We also offer Third Party Fire & Theft Insurance and Third Party Property Damage.
Unlike Compulsory Third Party (CTP) Insurance, which is included in your Queensland vehicle registration, these covers are optional, so you can choose the level of cover that suits you and your vehicle.
Queensland drivers face a range of conditions, from busy Brisbane traffic to long stretches of regional highway.
Depending on where you travel, severe storms, flooding, tropical weather and wildlife can all pose unexpected risks. Whether you're commuting or heading off on a road trip, the right level of cover can help protect you against the unexpected.
What you're covered for depends on the policy you choose, so check the PDS for details.
You’ll select and pay for your CTP insurance as part of your vehicle registration, if you’re a vehicle owner in Queensland.
The Motor Accident Insurance Commission (MAIC) regulates and monitors the scheme, which provides third-party injury cover only.
It's important to note that CTP insurance in Queensland does not cover injury to at-fault drivers, damage to your own car or someone else’s property. To learn more, visit MAIC.
Get a quote, update your details, manage your policy and more in your online account or in the NRMA Insurance app.
Send us a message online (Mon–Sun).
Some drivers may choose to get protection for their car and even add options such as excess-free windscreen cover. Other drivers may choose to get basic protection for things like damage to other people’s cars or property. We have car insurance options for a range of preferences.
You can read about our Comprehensive Car Insurance, Third Party Fire & Theft Insurance and Third Party Property Damage Insurance.
And that’s not all. For classic cars, there’s Classic Car Insurance, and we even have insurance for other vehicles like caravans and motorcycles.
Comprehensive Car Insurance is optional. It offers a broader range of cover than Third Party Fire & Theft Insurance and Third Party Property Damage Insurance, as third party insurance doesn’t cover your car if you accidentally damage it.
Our Comprehensive Car Insurance covers your car for accidental damage, collision or crash, severe weather, theft, vandalism and malicious acts. It also covers the extras on your car like alloy wheels, sunroofs and even baby seats.
You have various options to choose from for your car insurance in Queensland, so you should consider which level of protection would best suit your needs.
For full details including limits, conditions and exclusions, read the policy documents.
According to NRMA Insurance claims data, collision was the largest motor claim category in Queensland in FY26, accounting for 51% of claims. Glass damage was the second largest at 26%, followed by damage whilst parked at 11%. Hail, storm and flood damage accounted for a further 10% of claims.5
These categories include a range of incidents, from collisions with vehicles or objects to damaged windscreens and weather-related damage.
NRMA Comprehensive Basics, Comprehensive and Comprehensive Plus Car Insurance cover damage to your car caused by storms and floods. Third Party Property Damage does not cover storm or flood damage to your own car.
Cover is subject to the applicable terms, conditions, limits and exclusions, so read the relevant policy documents to understand what’s included.