Top Queensland Car Insurance Policies on Canstar's Database

Looking for a new car insurance policy and live in the Sunshine State? See the top-rated car insurance policies in Queensland according to Canstar’s 2020 Car Insurance Star Ratings.

From the remote dusty roads of Winton, to the sandy streets of the Gold Coast, and bustling suburban lanes of Brisbane, there are many sites to see on Queensland roads, but also potential hazzards to be aware of.

If you are looking for cover for your car in case it is damaged from an accident, a weather event, or is stolen, then comprehensive car insurance may be worth considering.

The tables below showcase the highest rated comprehensive car insurance policies on Canstar’s database for drivers in the Sunshine State.

Top-rated car insurance policies for young drivers in Queensland

According to Canstar Research, car insurance premiums are determined based on the likelihood that the insurer would have to pay a claim to the insured. Therefore, younger driver’s will tend to have higher premiums as they are statistically more likely to be involved in an accident and make a claim. For example, according to the Queensland Government, young drivers and riders aged 16 to 24 years old are 60% more likely to be involved in a serious crash than drivers and riders aged 25 to 59 years old.

With typically higher premiums for car insurance, it’s important for young drivers to research their options carefully to find a policy that provides them with good value.

The table below provides a snapshot of the five top car insurance policies available for drivers under 25 (with no additional drivers under 25) on Canstar’s database, sorted by Star Rating (highest to lowest).

Top-rated car insurance policies for 30-49 year-old Queensland drivers

Drivers aged 25-49 often pay lower premiums than those under the age of 25, because they tend to have more experience behind the wheel.

The table below provides a snapshot of the five top car insurance policies available for drivers between the ages of 30 and 49 on Canstar’s database, sorted by Star Rating (highest to lowest).

Top-rated car insurance policies for Queensland drivers over 50

People aged 50-59 can often enjoy even cheaper premiums than those in their thirties and forties because of their wealth of driving experience.

The table below shows the top five car insurance policies for people aged 50-59 with no cover for an extra driver under 25 on Canstar’s database, sorted by Star Rating (highest to lowest).

Top-rated car insurance policies for senior drivers in Queensland

There are a number of restrictions placed on senior drivers that vary depending on where you live. In Queensland, drivers over 75 must carry a ‘Medical Certificate for Motor Vehicle Driver’, which is valid for a maximum of 13 months.

The table below displays the top five car insurance policies for people aged 60+ without an extra driver under 25 on Canstar’s database, sorted by Star Rating (highest to lowest).

How much does car insurance cost in Queensland?

The cost of car insurance in Queensland will vary depending on a range of factors, including your age, driving experience, address and the type of car you are looking to insure.

The table below shows a breakdown of what Queenslanders can expect to pay for  comprehensive car insurance on average, based on policies rated in Canstar’s 2020 Car Insurance Star Ratings.

Average Annual Car Insurance Premiums 2020 – Queensland
Age Average Premiums ($/year)
Under 25 Female $1,457
Under 25 Male $1,653
25-29 $1,213
30-49 $865
Over 50 $698
Family with Young Driver $1,490
Source: www.canstar.com.au. Based on comprehensive car insurance policies rated in the Canstar 2020 Car Insurance Star Ratings (May 2020). Premiums include quotes for both new and used cars for a range of scenarios, with a target excess of $650.

Keep in mind these are average figures. Depending on your circumstances, you may be able to find a provider that will cover you for less, so it’s a good idea to compare your options.

Compulsory Third Party (CTP) insurance

Compulsory Third Party (CTP) insurance is compulsory in Queensland, as it is in all other states and territories. It is designed to cover the cost of compensation claims made against a driver if they injure or kill someone on the road.

At the time of writing, Queensland operates under an at-fault CTP scheme, regulated by the Motor Accident Insurance Commission (MAIC). The MAIC advises that under this scheme, people who are injured in a road accident in Queensland are only eligible for compensation if they can prove they are not at fault. They may also be eligible for a reduced claim if they can prove they are partially at fault.

This scheme differs to the no-fault legislation operating in NSW and Victoria. In these states anyone sustaining injuries from a road traffic crash may be eligible to claim CTP coverage from the other driver involved in the crash, regardless of whether or not they caused the accident.

There are currently no plans to reform the scheme in Queensland to bring it in line with Victoria and NSW. However, in 2016 the Queensland government did introduce a version of the National Injury Insurance Scheme (NIIS). Under the NIIS, Queensland drivers who suffer a serious personal injury (such as severe burns or spinal cord injuries) in a car accident may be eligible to receive necessary and reasonable lifetime treatment, care and support, regardless of whether or not they were at fault. However, to receive treatment they must meet eligibility criteria outlined in Queensland’s current NIIS legislation.

When you buy a car in Queensland, the cost of CTP insurance can be built into the registration payments or paid separately. The table below outlines each of the types of car insurance available in Australia and what they cover.

Type Damage to your car Damage to other people’s property (e.g. other cars) Damage or loss caused by theft of your car Injuries or death to other people in an accident
Compulsory third party Cross Cross Cross icon tick
Third party property Cross icon tick Cross Cross
Third party property, fire and theft Cross icon tick icon tick Cross
Comprehensive icon tick icon tick icon tick Cross

→Related Article: Queensland CTP Insurance

Outstanding Value Car Insurance for Queensland

Bingle, one of Canstar’s National Award Winners for 2020, also took out the State Award for Outstanding Value Car Insurance in Queensland, in addition to New South Wales, Victoria, Western Australia and South Australia.

Bingle is just one of several 5-Star winners in Queensland. Visit Canstar’s comparison tables for a snapshot of the top-rated car insurance policies on our database when looking for one that suits your needs:

Originally written by William Jolly

Cover image source: Cam Laird (Shutterstock)

Share this article