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Car insurance SA

Living in South Australia? Choose us for your Compulsory Third Party (CTP) Insurance, Comprehensive Car Insurance and more

South Australia, we're here to help

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.

Car insurance in SA explained

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 and Third Party Fire and Theft Car Insurance

    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.

    Compare car insurance in SA

    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.

    Why choose NRMA Insurance in SA

    Get compulsory cover

    We're here for you as an authorised CTP Insurance provider in South Australia

    Award-winning insurance

    You'll be choosing Australia’s most trusted insurance brand3

    100 years of help

    We've been insuring drivers in Australia for 100 years

    Online discount

    Get up to 10% off

    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.

    FAQs

    SA car insurance FAQs

    Read more

    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.

    Things you should know

    1. Some product exclusions apply. Any applicable discounts may be subject to minimum premiums. Discounts only apply until a minimum premium is reached. When we determine your premium on renewal, we may also limit any increases or decreases in your premium by considering factors such as your previous year's premium amount. Find out more about our online discount.

    2. Your car’s covered up to $5000 if we agree it was the other driver's fault and you give us their name, address and rego number.

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