Car insurance in Brisbane

Comprehensive car insurance covers a range of events that could damage your car, including collision and fire damage, as well as weather events like storms and hail. It also covers accidental damage you may cause to other people’s cars and property.

Third Party Fire and Theft covers your car when it’s stolen, damaged by fire or, depending on your insurer, damaged by an uninsured driver. It could also provide cover for accidental damages you cause to other vehicles and property while driving.

Third Party Property Damage is generally the most basic form of the optional car insurance covers. It offers cover for the damages you cause to other cars and property, but only covers your own car in limited circumstances such as when it’s damaged by an uninsured driver. Cover for damage caused by an uninsured driver to your own car will depend on your insurer.

Like other states and territories in Australia, CTP insurance is mandatory for all vehicles registered in Queensland. It covers your legal liability for injuries and deaths in motor vehicle accidents where you’re at fault. It’s worth noting that the at-fault driver’s injuries aren’t covered by Queensland’s CTP scheme.

The best car insurance to get in Brisbane depends on what level of cover you’re looking for.

Comprehensive car insurance policies typically offer the most coverage, both for your own car and other people’s cars and property. Plus, if your car is less than two years old, your policy could include new car replacement cover. With this cover, if your car is a total loss and meets the terms and conditions, your previous vehicle may be replaced with a brand new one.

If you’re only looking for financial protection in cases where you damage other people’s cars and property, third party car insurance options like TPFT and TPPD could also cover these instances.

Always read the relevant Product Disclosure Statement (PDS) for full details on inclusions, exclusions and policy limits. The Target Market Determination (TMD) could also help you figure out if the product is right for your circumstances.

In the 2024 financial year, there were 5,235 incidents of unlawful uses of motor vehicles in the Brisbane region, which averages out to 436 incidents every month.²

The southside of Brisbane (246) averaged more of these incidents across this period than the northside (190), while the following areas averaged the most car thefts:

• Hendra (59)
• Upper Mount Gravatt (27)
• Inala (26)
• Moorooka (19)
• Brisbane City (19).²

There were 1,698 car accidents recorded in Brisbane between 1 January 2024 and 30 June 2024.³ Over this period, the most common motor vehicle accidents in Brisbane were:

• Rear-endings
• Angled collisions (e.g. the front of a car hitting the side of another)
• Cars hitting objects.³

Participants in most car accidents across this time required medical treatment (698) or hospitalisation (695), while 11 of these incidents recorded fatalities.