Compare car insurance in NSW

Average customer rating: 4.3/5

We do not compare all brands in the market or all products offered by all brands. At times certain brands or products may not be available or offered to you. Learn more about how our comparison service works.

What’s the difference between types of car insurance?

We’ve compiled this table of benefits to help you see the differences between the levels of cover. This information should be used as a guide only, as different policies and insurers might offer varying coverage.

Comprehensive

Usually the highest level of cover available, it includes protection for your car and also covers damage to other people’s vehicles and property.

  • Legal liability for third party vehicle and property damage
  • Damage to your car in an accident
  • Loss or damage to your car from fire and theft
  • Storm damage to your car
  • New car replacement
Compare now

Third Party Fire and Theft

Generally covers damage you cause to other people’s vehicles and property. It also includes protection for your car for fire and theft.

  • Legal liability for third party vehicle and property damage
  • Damage to your car by an uninsured driver
  • Loss or damage to your car from fire and theft
  • Storm damage to your car
  • New car replacement
Compare now

Third Party Property Damage

It provides cover for damage you cause to other people’s vehicles and property. It only covers your car if it’s damaged by an uninsured vehicle.

  • Legal liability for third party vehicle and property damage
  • Damage to your car by an uninsured driver
  • Loss or damage to your car from fire and theft
  • Storm damage to your car
  • New car replacement
Compare now

Comprehensive

Usually the highest level of cover available, it includes protection for your car and also covers damage to other people’s vehicles and property.

  • Roadside assistance
  • Car hire after an accident
  • Windscreen excess cover
  • Choice of repairer
Compare now

Third Party Fire and Theft

Generally covers damage you cause to other people’s vehicles and property. It also includes protection for your car for fire and theft.

  • Roadside assistance
  • Car hire after an accident (fire and theft only)
  • Windscreen excess cover
  • Choice of repairer
Compare now

Third Party Property Damage

It provides cover for damage you cause to other people’s vehicles and property. It only covers your car if it’s damaged by an uninsured vehicle.

  • Roadside assistance
  • Car hire after an accident
  • Windscreen excess cover
  • Choice of repairer
Compare now

Top 3 things to know about car insurance in NSW

1

Car insurance options

There are four main types of car insurance products available to a driver in NSW, Australia – one that is compulsory, and three that you can choose from.

Learn more
2

Premiums are influenced by a range of factors

Your car make and model, along with your claims and driving history, are a few factors that can affect the cost of your car insurance in NSW.

Learn more
3

Weigh up which extra features to add to your cover

There may be some car insurance features on offer to help you better tailor your cover.

Learn more

It pays to compare

Compare quotes in minutes and start saving today.

 

Simple to use

Get started by answering a few quick questions to help us understand your needs.

 

Compare & save

Save time and money by easily comparing options from a range of providers side-by-side.

 

Switching is easy

Follow a few easy steps online to switch to a new deal that suits you and your budget.

Why compare with us?

Our smart comparison technology is trusted, free, safe and secure.

Trusted by Aussies

Since 2012 our smart comparison technology has helped over 6 million Aussies compare & search for savings.

Free to use

When you buy through us, our partners pay a commission, which keeps our service free for you. We don’t markup any of the prices on our website.

Safe & secure

We take data privacy and security seriously, and will only use your information with your permission. You can read our full privacy policy here.

Meerkat Arm

We believe the best decisions start with a comparison.

We’re proud to have helped millions of Aussies look for a better deal.

4.3 / 5
Based on 2,903 reviews
23 million comparisons and counting
4.5 / 5
Based on 1,884 reviews
Ratings as of 09/06/2025.

A guide to comparing car insurance in NSW

Updated 31 January 2025
Written by Kenneth Young
Reviewed by Eliza Buglar
Expert reviewed by Adrian Taylor

Kochie’s top tips for drivers in New South Wales

Looking for great value car cover in New South Wales? Our Economic Director David Koch shares our expert tips to help you save.

David Koch
Economic Director
Play Button
 

What types of car insurance are available in NSW?

Comprehensive car insurance

Third Party Fire and Theft (TPFT)

Third Party Property Damage (TPPD)

Green Slip (Compulsory Third Party)

What is the best car insurance in NSW?

Which car insurance policy features should NSW drivers look for?

The cost of car insurance in NSW

How much will car insurance cost in NSW?

How does living in NSW affect your car insurance?

Will I have to pay an excess?

How can I get cheap car insurance in NSW?

Important to know

Will my car insurance change much if I move house?

Do car insurers in NSW offer no claim discounts?

Car thefts in NSW

Compare car insurance quotes online

If you’re looking to compare car insurance providers available in NSW, it’ll only take a few minutes through our comparison service. To get your own car insurance quote, you’ll need to enter your:

  • Basic car details like your vehicle’s make and model. If you’re unsure, entering your registration details can help prefill this information.
  • Type of car insurance you’re looking to purchase (comprehensive, TPFT or TPPD).
  • Advanced car details including whether it has any modifications and how much you drive annually.
  • Personal details such as your date of birth and claims history.

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As a General Insurance expert with over 13 years’ experience in financial services, Adrian Taylor is passionate about demystifying car insurance for consumers, so they have a better understanding of what they’re covered for. Adrian’s goal is to make more information available from more insurers, to make it easier to compare and save.

1 NSW Bureau of Crime Statistics and Research – NSW Recorded Crime Statistics Quarterly Update (June Quarter 2024). September 2024. Accessed January 2025.