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Living in Western Australia? Explore Comprehensive, Third party car insurance and more with NRMA Insurance.
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.
From Perth to Port Hedland, Busselton to Broome, and Esperance to Exmouth, Western Australia offers an abundance of landscapes to explore.
With NRMA Insurance, West Australians can also explore our range of car insurance policies for different vehicles, drivers and lifestyles.
You can choose from Comprehensive Car Insurance, Third Party Fire & Theft Insurance and Third Party Property Damage Insurance as well as Classic Car Insurance, Caravan Insurance, and Motorcycle Insurance.
Whether you’re in metropolitan or regional WA, 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 Western Australia. Collision and glass damage accounted for the largest shares of claims in FY26, with the proportion of both claim types remaining unchanged from FY25.5
Collision was the largest motor claim category in our Western Australian data, accounting for 57% 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 Western Australia, accounting for 29% of claims in FY26. That’s almost 3 in every 10 claims and can include damage to windscreens, windows and sunroofs.5
Collision and glass damage accounted for the same proportions of Western Australian motor claims in FY25 and FY26. Collision remained at 57%, while glass damage remained at 29% of claims.5
Drivers in Western Australia can choose to get car insurance like Comprehensive Car Insurance, which offers the broadest cover. We also offer Third Party Fire & Theft Insurance and Third Party Property Damage.
This is optional, so it’s up to you to choose the level of protection you want for yourself and your vehicle.
Some drivers may choose to get protection for things like damage to their car or to other people’s cars or property.
We offer a range of car insurance options you can choose from with different levels of cover, including 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 WA, 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 Western Australia in FY26, accounting for 57% of claims. Glass damage was the second largest, accounting for 29% of claims.5
These categories include a range of incidents, from collisions with other vehicles or objects to damage involving windscreens, windows and sunroofs.
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.