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Car insurance

Save up to 10% on your first year of eligible car insurance with our online discount1.

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Get $100 off a new Comprehensive Car Insurance Policy⁵

Use promo code 100CAR. SA risk addresses only. Ends 9 Jan 2026.

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Roadside Assistance in South Australia

A year of Roadside Assistance is now included with eligible Car Insurance policies in South Australia6

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Find the right car insurance for you

Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather.

You're covered for:

  • Damage to your vehicle

  • Damage 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

Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather.

You're covered for:

  • Damage to your vehicle

  • Damage 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 car and excess-free glass cover

All the protection of our Comprehensive cover with additional benefits such as excess-free glass cover.

You're covered for:

  • Damage to your vehicle

  • Damage 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 car and excess-free glass cover

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

What is car insurance?

Car insurance can help protect you against financial loss if your car is involved in an accident, gets stolen or catches fire – but it will depend on the cover you choose. The type of cover you decide on is up to you, and what suits your needs and budget. You can choose to take out cover for your own car, or just for damage your car causes to third parties. When deciding, be sure to read the Product Disclosure Statement (PDS) for a full list of inclusions, exclusions and optional extras.

Existing customers

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Why Australians choose NRMA Car Insurance

Lifetime guarantee

We guarantee the workmanship of all authorised repairs of your car3 or your home’s buildings

Award-winning insurance

You'll be choosing Australia's most trusted insurance brand4

100 years of help

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

FAQs

Car Insurance FAQs

How much is car insurance?

Car insurance premiums vary because we all have different circumstances and needs. For all the factors we consider, take a look at the Premium, Excess and Discounts Guide.

What is a car insurance claim?

A car insurance claim is a request that you lodge to your car insurance provider when you have suffered damage or loss.

What information should I collect to make a claim?

The more information you can get, the better. You should try and collect:

  • The full name, residential address, phone number and licence details of any drivers involved
  • The make, model and number plate of any vehicles involved
  • The contact details of anyone who witnessed the accident
  • Don’t forget to find out the other driver’s insurance company.

Don't worry, we'll deal with all the people involved (in an accident we cover) on your behalf.

You’ll also need a police incident report if anyone is injured during an accident, or your claim is for theft, attempted theft or a malicious act.

Even if you don't have all the details, you can still start your claim and add more information later.

What is excess in car insurance?

An excess is the amount you may contribute towards the cost of your claim. Your current Certificate of Insurance shows the amount and types of excesses that apply to your policy.

What type of car insurance do I need?

In Australia, every driver needs to have Compulsory Third Party Insurance, also known as CTP or Green Slip Insurance. In some states and territories, CTP is automatically included as part of the registration fee, but in others, you’ll need to purchase it separately.

Besides mandatory CTP, any other insurance you take out is entirely up to you. You can check the PDS for all the nitty-gritty details of what is and isn’t covered to make sure you’re choosing the right cover for your circumstances.

Does NRMA Insurance cover electric (EV), hybrid and plug-in-hybrid (PHEV) vehicles?

Yes – as long as they meet our standard acceptance criteria. We generally cover standard-spec EV, hybrid and PHEV vehicles.

Report

Changing Gears: The Road Ahead for EV Adoption in Australia

Ready to learn more about electric vehicles (EVs)? Check out Changing Gears: The Road Ahead for EV Adoption in Australia – the first instalment of a two-part series that demystifies the electric mobility landscape and sheds light on Australian attitudes towards EVs. This report has been produced by market-research company Ipsos, on behalf of NRMA Insurance.

Read the report

Get a car insurance quote online

Once you know what cover you’re after, you’re ready to get a quote. Here’s a summary of what you’ll need to tell us: 

Details about your car 

Let us know your car’s make and model, where it’s registered and its number plate.

The level of cover you’d like

Select the type of insurance you’re after, when you need the cover to start, and provide details about the condition of your car, what you use it for and where it’s usually parked.

    Details about you

    We'll ask for your birth date, gender and some details on prior claims and driving history. We’ll also ask who else might drive your car regularly and whether you’d like roadside assistance.

    Explore these articles

    • 10 January, 2025
      On the road | NRMA Insurance Blog

      Had a car accident that wasn’t your fault?

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    • 30 March, 2025
      On the road | NRMA Insurance Blog

      What’s the difference between Compulsory Third Party and Third Party Property Damage Insurance?

      Read more
      Guide Insurance
    • 04 March, 2025
      On the road | NRMA Insurance Blog

      Why do I need CTP Insurance?

      Read more
      Guide Insurance

    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. Excesses may apply. Refer to your Certificate of Insurance.

    3. For as long as you own the car.

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