Car Insurance
Explore our range of car insurance policies to find the cover for you. Get an online car insurance quote today.
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Find the right car insurance for you
Comprehensive Basics Car Insurance
Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather.
- 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
Comprehensive Car Insurance
Covers your car for accidental damage, collision or crash, vandalism, theft, fire and severe weather.
- Damage to your vehicle
- Emergency transport and accommodation up to $1,000
You'll also get:
- New vehicle replacement
- Cover for personal items up to $1,000
Comprehensive Plus Car Insurance
All the protection of our Comprehensive cover with additional benefits such as excess-free glass cover.
- Damage to your vehicle
- Emergency transport and accommodation up to $1,500
You'll also get:
- New vehicle replacement
- Hire car and excess-free glass cover
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.
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Why Australians choose NRMA Car Insurance
Lifetime guarantee
We guarantee the workmanship of all authorised repairs of your car or your home's buildings
Award-winning insurance
You'll be choosing Australia's most trusted insurance brand^
100 years of help
With a century of experience, we know how to protect the things you care about
Where we offer Car Insurance in Australia
Car Insurance FAQs
How much is car insurance?
What is a car insurance claim?
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?
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?
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Ready to learn more about electric vehicles (EVs)? Check out Changing Gears: The Road Ahead for EV Adoption in Australia.
Get a car insurance quote online
Once you know what cover you're after, you're ready to Learn more. 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.
Details about you
We'll ask for your birth date, gender and some details on prior claims and driving history.
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Why do I need CTP Insurance?
Things you should know
- 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.
- Excesses may apply. Refer to your Certificate of Insurance.
- For as long as you own the car.
- NRMA Insurance was awarded the Roy Morgan Most Trusted General Insurance Brand Award in 2022, 2023, 2024 and 2025.