Cheap full coverage car insurance no license

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The easiest way to save on car insurance is to shop around for a competitively priced deal offering the right cover for your needs. Find a cheap car insurance policy in Australia based on the state or territory you live in.

What you need to know

  • Finder research found Bingle had the lowest prices comprehensive cover, at $628.10 annually.
  • AAMI offered the cheapest third party, fire and theft policy at $408.96. Bendigo Bank had the cheapest third party property damage policy at $225.82.
  • CTP insurance, which is a legal requirement if you want to drive, starts from around $430 per year.

Comprehensive car insurance starts from $628 per year, according to Finder research. It'll protect you if you're in an accident, a storm damages your car or someone dents your vehicle. It also protects you as a driver. Comprehensive insurance offers the most complete cover you can get.

ProviderPriceApply
Bingle $628.10 Get quote
AAMI $804.40 More info
Coles $853.90 Get quote

Compare more comprehensive car insurance providers in Australia.

This type of car insurance typically costs more than third party cover. It covers your vehicle if it's damaged due to fire or theft – 2 very common vehicle hazards. Third party, fire and theft won't cover the costs of damage to your own car in an accident.

ProviderPriceApply
AAMI $408.96
Coles $441.00 Get quote
GIO $460.44 More info

Compare more third party fire and theft insurance providers in Australia.

Third party property damage insurance covers the cost of compensating other people if you cause damage to their cars or property. Prices generally start from around $225 per year.

Be aware that third party insurance doesn't cover any damage to your own car.

ProviderPriceApply
QBE $360.61 Get quote
Bingle $347.66 Get quote
Bendigo Bank $225.82 More info

Budget Direct won the Finder Insurance Awards 2022 for being the best-value car insurance.

Compare more third party property damage insurance providers in Australia.

Expert tip

There are some powerful price levers to pull when it comes to car insurance, including opting for a larger excess or removing cover for under-25 drivers (if you're absolutely sure none will drive your car). Just don't skimp on rental car cover...they are expensive right now and repairs, because of hugely high demand, are taking ages.

Cheap full coverage car insurance no license

Finder sourced 72 quotes across 12 different providers to help you find the cheapest car insurance in your state. The providers listed in the table below have been selected as the cheapest, according to Finder research and reflect the estimated monthly cost based on the profile used.

  • NSW
  • QLD
  • ACT
  • VIC
  • TAS
  • WA
  • NT
  • SA

Cheap full coverage car insurance no license

Cheapest comprehensive car insurance

Cheap full coverage car insurance no license

Cheapest third party fire and theft car insurance

Cheap full coverage car insurance no license

Cheapest third party property damage car insurance

Cheap full coverage car insurance no license

Cheapest comprehensive car insurance

Cheap full coverage car insurance no license

Cheapest third party fire and theft car insurance

Cheap full coverage car insurance no license

Cheapest third party property damage car insurance

Cheap full coverage car insurance no license

Cheapest comprehensive car insurance

Cheap full coverage car insurance no license

Cheapest third party fire and theft car insurance

Cheap full coverage car insurance no license

Cheapest third party property damage car insurance

Cheap full coverage car insurance no license

Cheapest comprehensive car insurance

Cheap full coverage car insurance no license

Cheapest third party fire and theft car insurance

Cheap full coverage car insurance no license

Cheapest third party property damage car insurance

Cheap full coverage car insurance no license

Cheapest comprehensive car insurance

Cheap full coverage car insurance no license

Cheapest third party fire and theft car insurance

Cheap full coverage car insurance no license

Cheapest third party property damage car insurance

Cheap full coverage car insurance no license

Cheapest comprehensive car insurance

Cheap full coverage car insurance no license

Cheapest third party fire and theft car insurance

Cheap full coverage car insurance no license

Cheapest third party property damage car insurance

Cheap full coverage car insurance no license

Cheapest comprehensive car insurance

Cheap full coverage car insurance no license

Cheapest third party fire and theft car insurance

Cheap full coverage car insurance no license

Cheapest third party property damage car insurance

Cheap full coverage car insurance no license

Cheapest comprehensive car insurance

Cheap full coverage car insurance no license

Cheapest third party fire and theft car insurance

Cheap full coverage car insurance no license

Cheapest third party property damage car insurance

Compulsory third party (CTP) car insurance generally costs between $430 and $750 per year.

CTP insurance, which is legally required to register a car in Australia, protects you from legal costs that result from injuries and deaths suffered on the road. It doesn't cover any kind of vehicle damage or damage to any other types of property.

Here are quotes from 3 of the cheapest CTP providers in NSW, sourced from the government's website:

InsurerOffers At-Fault Cover?Yearly costApply
Cheap full coverage car insurance no license

Youi

  • Yes
$436.53 Get quote
Cheap full coverage car insurance no license

QBE

  • No
$437.49 Get quote
Cheap full coverage car insurance no license

Allianz

  • Yes
$740.00 More info

Read more on buying CTP insurance in your state or territory.

Cheapest car insurance deals and offers

    1. Compare online. Don't just choose the first policy you find. Shop around and you could save thousands of dollars on your car insurance.
    2. Restrict drivers. Choosing not to let young drivers behind the wheel of your car can save you on your insurance.
    3. Choose a higher excess. You'll have to pay more if it ever comes to making a claim, but taking a higher excess will lower your regular premiums.
    4. Pay annually. Some car insurers offer discounts if you're able to pay your annual premium upfront rather than in monthly instalments.
    5. Keep your car in a garage. Your car is safer if it's kept in a garage or in an off-street parking spot, so your premium should be less.
    6. Pay-as-you-go. If you don't use your car much, consider a pay-as-you-drive insurance policy. It can be a cheaper alternative if you drive fewer than 15,000km per year.

Cheap full coverage car insurance no license

We're free

You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.

Cheap full coverage car insurance no license

We're experts

Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.

Cheap full coverage car insurance no license

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.

Cheap full coverage car insurance no license

We're here to help

Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

James Martin is the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News and 7NEWS. He holds a Tier 1 General Insurance (General Advice) certification.

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