Car Insurance Quote Comparison Calculator

Compare Australian car insurance quotes side by side, annual premium, excess and what's included.

How to use it: Start with your renewal check, then add each quote: the price and how often you pay, the excess and the cover type. Tick what's included. The calculator shows the yearly cost and what you'd pay in a year if you made one claim, so you can compare price and cover side by side.

Check your renewal first

Your renewal notice shows this year's price. Your old notice or bank statement shows last year's.

Last year's premium ($ a year)

This year's renewal ($ a year)

How to compare car insurance quotes properly

The cheapest premium is only a good deal if the cover matches what you need. Two quotes can look almost identical on price but pay out very differently when you make a claim. This calculator puts your quotes side by side so you can see the premium, the excess and the inclusions together, instead of flicking between insurer websites.

Step 1: Get quotes for the same type of cover

Make sure every quote is for the same level of cover. Comprehensive, third party fire and theft, and third party property are very different products. Use the same driver details, the same car value and the same excess setting on each quote, or the comparison will not be fair.

Step 2: Enter the price, how often you pay and the excess

Choose yearly, monthly or fortnightly and the calculator works out the yearly cost. If you pay in instalments, add the upfront yearly price too and it shows what paying in instalments costs you. Add the basic excess, plus any extra excess such as a young or unlisted driver excess.

Step 3: Tick what each policy actually includes

Look at the policy documents rather than the ad. Things like hire car after an accident, windscreen cover, choice of repairer and new car replacement are sometimes included, sometimes optional extras and sometimes not offered at all.

What to check before you choose

Every excess, not just the basic one. Many policies add extra excesses for young drivers, inexperienced drivers or drivers not listed on the policy. These can stack on top of the basic excess.
Agreed value or market value. Agreed value is a set amount you and the insurer agree on. Market value is what your car is worth at the time of the claim, which can be less than you expect.
Who is covered to drive. Check whether other drivers in your household need to be listed.
The renewal price. Introductory discounts often disappear at renewal. Put a reminder in your calendar a few weeks before your policy renews so you can compare again.
The Product Disclosure Statement (PDS). The PDS is the document that sets out exactly what is and is not covered. Read the exclusions section before you buy.

Frequently asked questions

Is the cheapest car insurance quote the best one?

Not always. A lower premium can come with a higher excess, fewer inclusions or market value cover instead of agreed value. Compare the total cost you would pay if you had to claim, not just the premium.

Should I pay car insurance monthly or annually?

Paying annually is often cheaper overall because some insurers charge more for monthly instalments. Enter the yearly total for both options to see the difference.

Does this calculator give me quotes?

No. It is a free comparison tool for quotes you have already received. You enter the figures, and nothing is sent to an insurer.

Where can I get independent information about car insurance?

The Australian Government's Moneysmart car insurance guide explains the types of cover and what to look for.

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