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Car insurance deals and offers – September 2025
Car insurance deals generally come in the form of a percentage off or a dollar reduction to a policy’s first year’s premium. While these kinds of deals shouldn’t be the sole reason you choose one policy over another, they’re worth considering, and can potentially save you hundreds of dollars on your insurance premiums if you find a good one with a sign-up offer attached.
Below are some of the latest deals from a wide range of providers when you quote and buy a new policy online. The deals listed are subject to change. Please read the terms and conditions on each provider’s page to learn more about how the deals work, as well as if any exclusions apply.
AAMI
Get $50 off your first year’s premium on a comprehensive policy or $20 on a Third Party Property Damage policy.
ahm
Eligible ahm and Medibank Health members receive 10% off premiums. You can also save up to 30% if you drive 15,000km or less each year compared to regular comprehensive cover.
Apia
Get a 10% discount on your first year’s premiums when you buy an eligible comprehensive policy. A Drive Less Pay Less discount is available on comprehensive policies (if you travel under 20,000km per year). A Work Less Pay Less discount may also be available 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.
Australian Seniors
Get at a 5% discount on your premium if you hold a Seniors Card.
Australian Unity
Save up to 10% on your first year’s premium when you take out a comprehensive motor insurance policy. 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.
Bank of Melbourne
Save up to 10% on your first year’s premium when you take out a comprehensive motor insurance policy. This comprehensive 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.
BankSA
Save up to 10% on your first year’s premium when you take out a comprehensive motor insurance policy. This comprehensive 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.
Beyond Bank
Get up to a 10% discount off your first year’s comprehensive car insurance premium.
Budget Direct
Receive a 15% discount on the first year’s premium when you buy a new car insurance policy. Budget Direct also offers a Low Kilometres policy, which provides cheaper premiums if you drive less than 10,000km per year.
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% 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.
Coles Insurance
Save 15% on your first year’s premium when you buy an eligible car insurance policy.
CommBank
Save up to 10% on an eligible car insurance policy.
Everyday Insurance
Save up to $320 on comprehensive car insurance if you drive less than 15,000km a year. Everyday Insurance customers can also save 10% on an in-store grocery shop (on purchases up to $500) once a month.
GIO
Get a 10% discount on your first year’s premium when you buy a new car insurance policy. You can also get a 10% multi-policy discount for combining three or more eligible 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.
gmcu
Save up to 10% off your first year’s premium when you take out a comprehensive policy.
HSBC
Get up to a 10% discount on your first year’s premium when you take out a comprehensive policy. 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.
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) with its Pay as you Drive Cover.
Hume Bank
Save up to 10% off your first year’s premium when you take out a comprehensive policy.
ING
Save up to 15% of your first year’s premium when you buy a new car insurance policy.
Kogan Insurance
Save up to 10% on your first year’s premium when you take out a comprehensive policy. 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. Policyholders also receive $10 off a purchase of $100 or more at Kogan.com once per month.
NAB
Save up to 10% off the first year’s premiums when you take out a comprehensive policy. You may also be able to reduce your premiums by naming the drivers of your car on your policy.
National Seniors Insurance
Save up to 10% on your first year’s premium when you take out a comprehensive policy. If you’re eligible, a Safe Driver Discount of up to 10% may be applicable for comprehensive policies.
NRMA
Save up to 10% on your first year’s premium if you buy an eligible car insurance policy. NRMA also offers a Multi-Product Discount when you have two or more eligible insurance policies 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 policy with a NSW or ACT address may be able to get $100 off their policy. Offer ends 23 September 2025.
Over Fifty Insurance
Save up to 10% on your first year’s premium when you take out a comprehensive policy. If you’re eligible, a Safe Driver Discount of up to 10% may also be applicable for comprehensive policies.
Qantas Insurance
Save up to 15% on your first year’s premium when you buy a new car insurance policy. Qantas is also offering up to 20,000 Qantas Points after 60 days when you join or switch to Qantas car insurance, offer ends 24 September 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.
QBE
Save $75 when you buy a comprehensive policy.
RAA
Save 10% on each policy if you hold three or more insurance policies (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, with the discount amount being dependent on how long you’ve been a member.
RAC
Get up to 25% off a comprehensive policy’s premiums for an eligible low-emissions car. RAC also offers savings of up to 10% for existing members on their comprehensive premium.
RACQ
Get a $75 discount when you buy a comprehensive policy. Other discounts, such as multi-policy and no-claim discounts, may also be available to eligible customers. Member savings of up to 15% could also apply for those with RACQ Roadside Assistance.
RACT
Combine your comprehensive policy with home and contents insurance for a 10% discount on your car insurance premium.
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, savings of up to 20% also apply on all eligible car insurance policies.
Real Insurance
Save up to $367 based on a Pay As You Drive profile when compared to Real Insurance’s comprehensive policies.
ROLLiN’ Insurance
Receive a 10% discount on your 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.
Shannons
Multi-vehicle, multi-policy and no-claim discounts can apply. Shannons also offer limited-use, laid-up and club plates special premium rates for eligible customers and vehicles.
St.George
Save up to 10% on your first year’s premium if you take out a comprehensive policy. 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.
Suncorp
Get $50 off your first year’s premium when you buy a comprehensive policy. Alternatively, get $20 off your first year’s premium when you buy a Third Party Property Damage or Third Party Fire and Theft insurance policy.
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 policy, you’ll receive a 10% discount on your own comprehensive premium.
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.
Westpac
Save up to 10% on your first year’s premium when you take out a comprehensive policy. 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.
Source: Providers’ websites as at 02/09/25.
This is not a comprehensive list and you may be able to find other car insurance deals and discounts that apply to your circumstances. Some of these discounts may not apply to extra premiums for optional covers (such as windscreen cover, roadside assistance and rental car use).
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 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.
