Low Km car insurance
The table below shows low Km car insurance policies from our Online Partners.
Product information
Promoted
If written off before the earlier of 24 months old or 40000 kms
- Save 15%^ on your first year’s premium when you purchase a new Car Insurance policy online.
- 24/7 Phone & Online Claims.
- Budget Direct - Insurance Solved.
Promoted
If written off before the earlier of 36 months old or 60000 kms
- Flexible cover before, 24/7 claims after.
- Save $75 on new Comprehensive car insurance online.
- Conditions apply.
Promoted
If written off before the earlier of 24 months old or 40000 kms
- Earn up to 50,000 Qantas Points with every car insurance policy. Ends 30 June 2026. Plus save 15% on your 1st year’s premium when you purchase online. T&Cs apply.
If written off before the earlier of 24 months old or 40000 kms
If written off before the earlier of 24 months old or 40000 kms
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- Included
- Not Included
- Optional
- Not applicable
- Canstar Star Rating
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The initial results in the table above are sorted by Star Rating (High-Low), then Provider Name (Alphabetical). Additional filters may have been applied, see top of table for details.
What is a low Km car insurance policy?
A low kilometre car insurance policy is generally a comprehensive policy that comes with a set yearly kilometre limit (e.g. 10,000 or 15,000 kilometres) up to which you can drive. In return for driving a lower than normal number of kilometres, you’ll receive reduced car insurance premiums from the insurance provider. This is due to the insurer seeing you as being less likely to make a claim on your insurance as you’re on the road less than other policyholders, and therefore less exposed to risk.
The comparison table above lists policies from our Online Partners that offer discounts for low kilometres. You can also change the filters on the table to better suit your requirements.
What happens if I drive more than my kilometre limit per year?
Generally speaking, if you drive more than your kilometre limit, the insurance provider may impose an additional excess if you were to make a claim on your insurance, or your premiums may increase as a result. Other penalties may occur if you fail to give your provider an accurate odometer reading when requested. You can contact your provider directly or check your policy’s Product Disclosure Statement (PDS) for more information.
What is pay-as-you-drive cover?
Similar to low kilometre policies, pay-as-you-drive car insurance often comes in the form of a comprehensive policy where you only pay for the kilometres you plan to drive. These policies are typically designed for people who drive 15,000 kilometres or less each year. These policies, however, may not always be the cheapest or best value, which makes comparing your car insurance options before taking out a policy very important.
Can I increase my kilometre limit during the year?
Yes, you can typically increase your agreed kilometre limit during the year—as long as your provider agrees to the new limit. If you think you’re going to exceed your agreed kilometre limit, it’s often best to contact your provider and update your policy, as this will help you avoid any additional excesses if you need to make a claim.
Increasing your kilometre limit, however, may result in an additional premium being applied or you no longer being eligible for your low kilometre policy. Contact your insurance provider or check your policy’s PDS for more information.
Can I reduce my kilometre limit if I’m driving less?
Yes, but usually not until you renew your policy. Again, you’ll need to contact your insurance provider or update your policy details to do so. If your policy is nearing renewal, it’s often wise to compare your car insurance options to ensure that your policy is still offering you good value for money. You can do so by using Canstar’s comparison tables, like the one above.
Can I switch to a regular comprehensive car insurance policy at any time?
Generally speaking, you can switch your car insurance policy at any time. Moving to a regular comprehensive policy with the same provider, however, may result in an additional premium being applied. If you’re thinking of switching policies, it’s worth comparing your car insurance options first, rather than just renewing with your current provider. By doing this, you could potentially save hundreds of dollars per year on your premium or confirm that your current provider is still offering you good value for your money.
Canstar Star Ratings and Awards
Looking for an award-winning product or to switch providers or brands? Canstar rates products based on price and features in our Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
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About our car insurance experts
Nick is a Content Producer at Canstar, providing assistance to Canstar’s Editorial Finance Team in its mission to empower consumers to take control of their finances. He has written hundreds of articles for Canstar across all key finance topics. Coming from a screenwriting background, Nick completed a Bachelor of Film, Television and New Media Production from Queensland University of Technology. Nick has also completed RG 146 (Tier 1), making him compliant to provide general advice for general insurance products like car, home, travel and health insurance, as well as giving him knowledge of investment options such as shares, derivatives, futures, managed investments, currencies and commodities. Nick’s role at Canstar allows him to combine his love of the written word with his interest in finance, having learned the art of share trading from his late grandfather. Nick strives to deliver clear and straightforward content that helps the everyday consumer navigating the world of finance. Nick is also working on a TV series in his spare time. You can connect with Nick on LinkedIn.
Josh Sale leads the team responsible for developing and delivering Canstar’s Car Insurance Star Ratings and Awards, helping consumers navigate the complex world of insurance with confidence. With a degree in economics and finance, a masters degree in data science, and almost a decade of experience at Canstar, Josh has played a pivotal role in shaping the transparent, data-driven methodologies behind Canstar’s comparisons.
In 2019, he spearheaded the launch of Canstar’s Most Satisfied Customer Awards for Car Insurance, recognising providers that excel in customer satisfaction – a valuable complement to Canstar’s expert-led Star Ratings. Josh sits on the Canstar Star Ratings Committee and collaborates closely with the insurance industry to ensure ratings reflect evolving consumer needs and market dynamics.
A regular media spokesperson, Josh has provided expert commentary to The Australian Financial Review, Money Magazine, news.com.au, and other national outlets. He also holds the RG146 Tier 2 General Insurance qualification, equipping him to offer general advice on insurance products with confidence and accuracy.
Driven by a passion for consumer empowerment, Josh is dedicated to helping Australians make better financial decisions by cutting through the complexity and spotlighting the real differences between providers.
Important Information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.