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Living in South Australia? Choose us for your Compulsory Third Party (CTP) Insurance, Comprehensive Car Insurance and more
From the charming capital city of Adelaide to beautiful Barossa vineyards, breathtaking coastlines and the unforgettable Nullarbor Plain, South Australia has no shortage of treasures for locals and travellers alike.
Wherever you are in South Australia, you've got a range of NRMA car insurance policies to choose from, with cover for different vehicles, drivers and lifestyles.
Whether it’s hailstorms in summer or slippery roads in winter, we understand the various seasonal challenges you could be facing as a driver in SA. Explore our Comprehensive Car Insurance, Third Party Fire & Theft Insurance, Third Party Property Damage Insurance, and Classic Car Insurance. We also offer CTP Green Slip Insurance.
In South Australia, there are mandatory and optional types of insurance for your vehicle.
CTP is a mandatory requirement for registering a vehicle in SA. It’s designed to help cover injuries you might cause to other people in an accident. Importantly, CTP doesn’t pay for damage to your own car, damage to someone else’s vehicle, or any property repairs. It’s intended for people, rather than vehicles.
Insurance other than CTP Insurance is optional, and you can choose the level of protection you want for yourself and your vehicle.
Drivers in SA looking for car insurance with all the bells and whistles could consider one of the levels of Comprehensive Car Insurance.
This type of insurance covers damage to your car, and accidental damage to other cars or property. Comprehensive Car Insurance also cover fire, theft and storm damage.
Third Party Property Damage Insurance and Third Party Fire & Theft Insurance is an option if you’re only looking to cover accidental damage you might cause to other vehicles or property, or want to help protect your own car against fire or theft.
As an SA driver, choosing your cover might be based on local conditions, such as whether you’re likely to experience wildlife collisions, severe hailstorms or bushfire risks, especially in outer‑metro and rural regions.
Whether you’re in metropolitan or regional SA, 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.
Cover for people you injure if you cause an accident on the road, purchased when you renew your registration in SA. You can nominate us as your preferred CTP insurer when you renew your registration.
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 South Australia. Collision accounted for the largest share of claims in FY26, followed by damage whilst parked and glass damage.4
Collision was the largest motor claim category in our South Australian data, accounting for 68% of claims in FY26. This can include incidents such as rear-end collisions, hitting stationary objects or colliding with animals.4
Damaged whilst parked was the second-largest motor claim category in South Australia, accounting for 16% of claims in FY26. This was up slightly from 15% in FY25.4
Glass damage accounted for 13% of South Australian motor claims in both FY25 and FY26. This category can include damage to windscreens, windows and sunroofs.4
We're here for you as an authorised CTP Insurance provider in South Australia
You'll be choosing Australia’s most trusted insurance brand3
We've been insuring drivers in Australia for 100 years
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 CTP and Classic Car Insurance.
The only insurance that’s mandatory for South Australian drivers is CTP Insurance.
If you want protection for your car or other things that can happen on the road, like damage to other people’s cars or property, you can choose from a range of car insurance policies that cover this.
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.
CTP Insurance and Comprehensive Car Insurance are different.
You need CTP Insurance to register your vehicle in South Australia, and it covers related medical costs and lost income if people are injured in an accident you cause on the road.
Comprehensive Car Insurance is optional and covers certain things that your CTP Insurance doesn’t. It covers your car for accidental damage, collision or crash, severe weather, theft, vandalism and malicious acts. Our Comprehensive Car Insurance also covers the extras on your car like alloy wheels, sunroofs and custom baby seats.
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 South Australia in FY26, accounting for 68% of claims. Damage whilst parked was the second largest at 16%, followed by glass damage at 13%.4
These categories cover a range of incidents, from collisions with other vehicles or objects to damage involving windscreens and windows.
Cover for glass damage depends on the policy you choose. Comprehensive Plus Car Insurance automatically includes no excess for glass-damage-only claims, such as damage to your windscreen, windows or sunroof.
If you choose Comprehensive Car Insurance, you may be able to add no excess for glass damage as an optional benefit.
Terms and conditions apply, so check the relevant policy documents to understand your cover.