Car insurance deals and offers

While upfront car insurance deals, discounts and offers shouldn’t be the sole reason you choose one policy over another, they can be something worth considering. Especially if you’ve compared policies and found the best-value product for you happens to have a sign-up deal attached.

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Below are some of the discounts and incentives found on the websites of a wide range of car insurance providers (at the time of writing) when you buy online.

You’ll need to check with the provider to confirm how any discount is applied, especially multiple discounts. They may be applied in a predetermined way that’s not necessarily just adding them together to get one combined discount. The discount may also apply before any other benefits, taxes and government charges are applied, and there could be a minimum premium limit. Check with the provider to confirm the expiration date, eligibility criteria (some offers are state and territory specific) and other details of any sign-up offer you’re considering.

Car insurance deals and offers – July 2025

AAMI

Get $50 off your first year’s premium on a new comprehensive car insurance policy or $20 on a new Third Party Property Damage policy when you buy online. Check with AAMI for eligibility requirements and other T&Cs.

ahm

Eligible ahm and Medibank Health members receive 10% off premiums. You can also save up to 30% on your premium if you drive 15,000km or less each year compared to regular comprehensive cover. Check with ahm for eligibility requirements and other T&Cs.

Apia

Get a 10% discount on your first year’s premiums when you buy a new eligible comprehensive policy online (this discount cannot be used at the same time as other offers). A Drive Less Pay Less discount is available with comprehensive car insurance if you travel under 20,000km per year. A Work Less Pay Less discount may also be applied if one or more policyholders work less than 37 hours per week. A separate 10% discount applies for having two or more eligible policies with Apia, with car insurance counting as one. Exclusions may apply. Check with Apia for eligibility requirements and other T&Cs.

Australia Post

Get $75 off your first year’s premium when you buy comprehensive car insurance online. Check with Australia Post for eligibility requirements and other T&Cs.

Australian Seniors

Get at a 5% discount on your premium if you hold a Seniors Card. Check with Australian Seniors for eligibility requirements and other T&Cs.

Australian Unity

Save up to 10% on your first year’s premium when you quote and buy a new comprehensive motor insurance policy online. This comprehensive policy also has an optional “Named Driver” discount available if you name all drivers on your policy, but a high excess will be charged for any claims under an unnamed driver. Eligible safe drivers may also receive a Safe Driver Discount. Check with Australian Unity for eligibility requirements and other T&Cs.

Bank of Melbourne

Save up to 10% on your first year’s premium when you quote and buy a new comprehensive motor insurance policy online. Bank of Melbourne’s Comprehensive Car Insurance policy also has an optional “Named Driver” discount available if you name all of the drivers of your vehicle on your policy, but a high excess will be charged for any claims caused by an unnamed driver. Conditions apply as to how discounts may be combined. Check with Bank of Melbourne for eligibility requirements and other T&Cs.

BankSA

Save up to 10% on your first year’s premium when you buy a new comprehensive car insurance policy online. BankSA’s Comprehensive Car Insurance policy also has an optional “Named Driver” discount available if you name all of the drivers of your vehicle on your policy, but a high excess will be charged for any claims caused by an unnamed driver. Conditions apply as to how discounts may be combined. Check with BankSA for eligibility requirements and other T&Cs.

Beyond Bank

Get up to a 10% discount off your first year’s comprehensive car insurance premium when you quote and buy online. Check with Beyond Bank for eligibility requirements and other T&Cs.

Budget Direct

Receive a 15% discount on the first year’s premium when you buy a new car insurance policy online. Budget Direct also offers a Low Kilometres policy, which provides cheaper premiums if you drive less than 10,000km per year. Check with Budget Direct for eligibility requirements and other T&Cs.

Bupa Insurance

Bupa Health members may receive a 10% discount when buying a car insurance policy, and Bupa Ultimate Health members may receive up to 15% off each year. New policyholders can also receive 12 months of free roadside assistance when they join by 30 January 2026.

You may also be able to save up to 30% on your premium if you drive 15,000km or less each year through Bupa’s Pay As You Drive cover—compared to regular Bupa comprehensive car insurance policies. Check with Bupa for eligibility requirements and other T&Cs.

Coles Insurance

Save 15% on your first year’s premium when you buy a new eligible car insurance policy online. You can also get 10% off one Coles shop every calendar month (up to $50) for 12 months when you take out and hold a new Coles Comprehensive Car Insurance policy, join and redeem a free Coles Plus Saver account (excludes existing members) and link your Flybuys. Limit one membership per Flybuys account and offer ends 31 August 2025. Check with Coles Insurance for eligibility requirements and other T&Cs.

CommBank

Save up to 10% on your premium when you buy online. You could also receive $50 cashback if you log on and take out comprehensive car insurance provided by Hollard. Check with CommBank for eligibility requirements and other T&Cs.

Everyday Insurance

New customers who take out an eligible car insurance policy by 31 August 2025 and link their Everyday Rewards card can receive a $50 Everyday Wish e-Gift Card. Use the promo code EDICAR50 to redeem this offer.

You could also save up to $320 on comprehensive car insurance if you drive less than 15,000km a year. Everyday Car Insurance customers can also save 10% on an in-store grocery shop (on purchases up to $500) once a month. Check with Everyday Insurance (from Woolworths) for eligibility requirements and other T&Cs.

GIO

Get a 10% discount on your first year’s premium when you buy a new car insurance policy online. You can also get a 10% multi-policy discount for combining three or more eligible GIO policies at the same time, with car insurance counting as one. If you’re a driver under age 25, you can get a 10% family discount if your parents are also with GIO.

For those in NSW, you may also be eligible for a $50 discount on your GIO Platinum or Comprehensive premium if you combine it with a GIO NSW CTP Green slip on the same car and registration. Check with GIO for eligibility requirements and other T&Cs.

gmcu

Save up to 10% off your first year’s premium when you quote and buy a new comprehensive car insurance policy online. Check with gmcu for eligibility requirements and other T&Cs.

HSBC

Get up to a 10% discount on your first year’s premium when you quote and buy a new comprehensive car insurance policy online. You may be able to get a Safe Driver Discount of up to 10% on your comprehensive policy, based on the insurance and driving history of all drivers listed on your policy. Check with HSBC for eligibility requirements and other T&Cs.

Huddle Insurance

Save up to 30% on your premium if you drive 15,000km or less each year compared to Huddle Insurance’s regular comprehensive cover. Check with Huddle Insurance for eligibility requirements and other T&Cs.

Hume Bank

Save up to 10% off your first year’s premium when you quote and buy a new comprehensive car insurance policy online. Check with Hume Bank for eligibility requirements and other T&Cs.

ING

Save up to 15% of your first year’s premium when you buy a new car insurance policy online. Check with ING for eligibility requirements and other T&Cs.

Kogan Insurance

Save up to 10% on your first year’s premium and receive a $100 Kogan credit when you quote and buy a new comprehensive car insurance policy online. Kogan Insurance policyholders also receive $10 off a purchase of $100 or more at Kogan.com once per month. Check with Kogan Insurance for eligibility requirements and other T&Cs.

NAB

Save up to 10% off the first year’s premiums when you quote and buy a new comprehensive car insurance policy online. You may also be able to reduce your premiums by naming the drivers of your car on your policy. Check with NAB for eligibility requirements and other T&Cs.

National Seniors Insurance

Save up to 10% on your first year’s premium when you quote and buy a new comprehensive car insurance policy online. If you’re eligible, a Safe Driver Discount of up to 10% may be applicable for comprehensive car insurance policies. Check with National Seniors Insurance for eligibility requirements and other T&Cs.

NRMA

Save up to 10% on your first year’s premium if you buy an eligible car insurance policy online. NRMA also offers a Multi-Product Discount when you have two or more eligible insurance policies with NRMA and a Relationship Discount when you’ve held an eligible policy for five consecutive years.

Additionally, existing NRMA customers who purchase a new Comprehensive Car Insurance, Comprehensive Plus Car Insurance or Comprehensive Basics Car Insurance policy with a NSW or ACT address may be able to get $100 off their policy. Excludes renewing policies. Discounts only apply to the first year’s premium. Discounts may be subject to minimum premiums. Offer ends 23 September 2025. Check with NRMA for eligibility requirements and other T&Cs.

Over Fifty Insurance

Save up to 10% on your first year’s premium when you quote and buy a new comprehensive car insurance policy online. If you’re eligible, a Safe Driver Discount of up to 10% may also be applicable for new comprehensive car insurance policies. Check with Over Fifty Insurance for eligibility requirements and other T&Cs.

Qantas Insurance

Save up to 15% of your first year’s premium when you buy a car insurance policy online. Qantas is also offering up to 30,000 Qantas Points after 60 days when you join or switch to Qantas car insurance (minimum spend of $2,000 required to earn 30,000 points), offer ends 27 August 2025.

Earn one Qantas Point per $1 spent on your premium and an additional 2,600 points a year by using the Qantas Wellbeing App and regularly completing car safety checks and reaching your sleep goals. Check with Qantas Insurance for eligibility requirements and other T&Cs.

QBE

Save $75 when you buy a new comprehensive car insurance policy online. Check with QBE for eligibility requirements and other T&Cs.

RAA

Save 10% on each policy if you hold three or more insurance policies with RAA (excluding travel insurance). If you hold a Seniors Card, you may also receive a 10% discount on your car insurance premiums. RAA also offers a loyalty discount to those with at least one RAA Road Service product. The discount amount will depend on how long you have been a RAA member. Check with RAA for eligibility requirements and other T&Cs.

RAC

Get up to 25% off comprehensive car insurance premiums for an eligible low-emissions car. RAC also offers member savings of up to 10% for existing members on their comprehensive car insurance premium. Check with RAC for eligibility requirements and other T&Cs.

RACQ

Get a $75 discount when you buy comprehensive car insurance online. Other discounts, such as a multi-policy discount, no-claim discount and roadside assistance discount, may also be available to eligible customers. Member savings of up to 15% could also apply for those with RACQ Roadside Assistance. Check with RACQ for eligibility requirements and other T&Cs.

RACT

Combine your comprehensive car insurance with home and contents insurance for a 10% discount on your premium. Check with RACT for eligibility requirements and other T&Cs.

RACV

Get a 10% discount on your car insurance and any other eligible multi-policy insurance when you take out two or more eligible policies. Depending on your membership tier, member savings of up to 20% also apply on all eligible car insurance policies. Check with RACV for eligibility requirements and other T&Cs.

Real Insurance

Save up to $367 based on a Pay As You Drive profile when compared to other comprehensive car insurance. Actual savings are determined by your individual circumstances. Check with Real Insurance for eligibility requirements and other T&Cs.

ROLLiN’ Insurance

Receive a 10% discount on your base premium for the first two months through ROLLiN’s Safe ‘n Save discount. From your third month onwards you can receive a discount of up to 15% depending on your policy score as determined by the ROLLiN’ app. The app tracks how safe of a driver you are by assessing factors such as your braking, acceleration and how you take corners. All listed drivers must have the app installed and running while driving to be eligible. Check with ROLLiN’ Insurance for eligibility requirements and other T&Cs.

Shannons

Multi-vehicle discounts, multi-policy discounts and no-claim discounts can apply with Shannons car insurance. Shannons also offer limited-use, laid-up and club plates special premium rates for eligible customers and vehicles. Check with Shannons for eligibility requirements and other T&Cs.

St.George

Save up to 10% on your first year’s premium if you quote and buy a new comprehensive car insurance policy online. You could also reduce your premium by choosing to name all the drivers of your car on the policy, but a high excess will be charged for any claims caused by an unnamed driver. Conditions apply as to how discounts may be combined. Check with St.George for eligibility requirements and other T&Cs.

Suncorp

Get $50 off your first year’s premium when you buy comprehensive car insurance online. Alternatively, get $20 off your first year’s premium when you buy Third Party Property Damage or Third Party Fire and Theft insurance online.

If you combine three or more eligible policies (with car insurance counting as one policy), you can get a 15% multi-policy discount. Additionally, if you’re under 25 and your parent has a Suncorp comprehensive car insurance policy, you’ll receive a 10% discount on your own comprehensive premium. Check with Suncorp for eligibility requirements and other T&Cs.

TIO

Get up to a 5% discount on comprehensive car insurance if you name all the drivers you want to be covered by the policy. Check with TIO for eligibility requirements and other T&Cs.

Virgin Money

Save 15% on your first year’s premium when you buy a new car insurance policy online. Check with Virgin Money for eligibility requirements and other T&Cs.

Westpac

Save up to 10% on your first year’s premium when you quote and buy a new comprehensive car insurance policy online. By choosing to list all drivers of your car on your policy, you could also reduce your premium, but a high excess will be charged for any claims caused by an unnamed driver. Conditions apply as to how discounts may be combined. Check with Westpac for eligibility requirements and other T&Cs.

Source: Providers’ websites as at 08/07/25.

This is not a comprehensive list and you may be able to find other car insurance deals and discounts that apply to your circumstances. The discounts and deals listed are also subject to change.

Some of these discounts might not apply to extra premiums for optional covers (such as windscreen cover, roadside assistance and rental car use). Also, the discount or savings often only apply to the first year of premiums. Be sure to read the full terms and conditions of the offers and policies and any relevant documents, such as the Product Disclosure Statement (PDS) and Target Market Determination documents (TMD), before you apply.

What types of car insurance deals and discounts can I get?

Along with the discounts and offers listed above, you can often reduce your overall premiums by considering the following:

• Paying your premiums annually, rather than monthly.

• Parking your vehicle in a secure location, like a garage that can be locked, rather than on the street.

• Considering what type of car insurance coverage best suits your needs.

• Considering insuring your car for its market value, rather than for an agreed value.

• Increasing your excess, which usually means lower premiums in return. It’s important to remember though, if you need to make a claim, you could face higher out of pocket costs if you have a higher excess.

• Choosing your extras (windscreen cover, roadside assistance, rental car use etc.) carefully.

• Shopping around by comparing different car insurance policies and their providers.

While car insurance deals can sound great, keep in mind that a policy offering an online discount isn’t always better value than one that doesn’t offer one. It’s important to take into account the overall price, as well as the quality of the coverage you’re getting for your money.

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