Our Best Car Insurance Policies for Queensland

Looking for a new car insurance policy? See the top rated car insurance policies in Queensland according to Canstar’s 2017 Car Insurance Star Ratings.

What you pay and the deals you can get for car insurance vary from state to state. In 2017, Canstar found that some policies indeed offer better value in some states than other states.

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

So if you live in the Sunshine State and are looking for a new car insurance policy, it’s worth reading on.

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Our best Queensland car insurance policies for young drivers

Car insurance is often more expensive for drivers aged under 25, as they are considered more likely to be in an accident and make more claims. So if you’re a younger driver, it’s especially important to find a policy that offers good value.

To help with this, the table below provides a snapshot of the top 5 car insurance policies available for drivers under 25 with no additional drivers under 25, sorted by star rating (highest to lowest).

Our best Queensland car insurance policies for 30-49 year olds

Drivers aged 25-50 often pay lower premiums than youngsters because they tend to have more experience behind the wheel.

The table below provides a snapshot of the top 5 car insurance policies available for drivers between the ages of 30 and 49, sorted by star rating (highest to lowest). These results are based on a male driver aged 40-49 in Queensland (the results are the same for females and 30-39 year olds).

Our best Queensland car insurance policies for over 50s

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, sorted by star rating.

Our best Queensland car insurance policies for seniors

Premiums often rise when drivers hit 60, as insurers often receive more claims from older drivers. This is mainly because the older you get, the more susceptible you are to health problems that could affect your driving, such as, impaired hearing and vision, slower reaction times, physical problems like arthritis and heart issues and more.

There are also 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 year.

The table below displays the top five car insurance policies for people aged 60+ without an extra driver under 25, sorted by star rating.

How much does car insurance cost in Queensland?

Age and driving experience aren’t the only factors that influence car insurance premiums – where you live can also increase or decrease your premiums. Fortunately for Queenslanders, car insurance premiums in the state are among the lowest in Australia.

The table below shows a breakdown of what Queenslanders can expect to pay for car insurance on average, based on our 2017 Car Insurance Research. Comparatively, the most expensive state (New South Wales), pays roughly $2,218 on average for a male driver under 25, while a driver aged 30-49 pays $763.

Car Insurance Premiums 2017 – Queensland
Age Average Premiums 2017 ($/year)
Under 25 Female $1,179.28
Under 25 Male $1,318.48
25-29 $627.66
30-49 $473.17
Family $1,376.60
Over 50 $419.07
Source: Canstar Research, May 2017

These are just the average figures though. There’s a high chance you can find a provider that will cover you for less, so make sure you look around!

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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.

Queensland used to operate under an ‘at-fault’ CTP scheme from 1936, where people were only eligible for cover if they could prove that they were not at fault. However, changes made as of July 1, 2016, now mean that anyone is able to claim if they have sustained severe injuries from a road traffic crash involving a registered vehicle in Queensland, regardless of whether or not they have caused the accident.

When you buy a new car, the cost of CTP insurance is built into the registration payments. By obtaining cover for third party damage, you are protected from all personal injuries on the road. If you’re not sure about what each of the various types of car insurance covers, then hopefully our table below will clear it up for you:

This is how the coverage varies between different levels:

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

Outstanding Value Car Insurance for Queensland

Budget Direct, one of Canstar’s National Award Winners for 2017, also took out the State Award for Outstanding Value Car Insurance in Queensland, in addition to New South Wales, Victoria, Western Australia and Tasmania.

Outstanding Value Car Insurance - NSW

Budget Direct is just one of dozens of car insurance providers in Queensland. To compare all of them, visit Canstar’s comparison tables to get help finding one that suits your needs:

Compare Car Insurance with Canstar

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