Multi-policy discounts for car insurance

*Source: Canstar. Based on comprehensive policies rated in Canstar’s 2026 Car Insurance Star Ratings. Premiums include quotes for both new and used cars for a range of scenarios, with a state-specific target excess ranging from $800 to $1,000.

Potential saving based on someone paying an average premium of $2,460 switching to one of Canstar’s top-rated policies (average 5-Star Rated car insurance premiums of $1,809)

Advertiser Disclosure & Sort Order

Canstar may earn a fee from its Online Partners for referrals from its website tables, and from sponsorship or promotion of certain products. Fees payable by product providers for referrals and sponsorship or promotion may vary between providers, website position, and revenue model. Our paid partners have a link to their website. Payment of referral fees does not influence our Star Ratings. See How We Get Paid to find out more.

When you first see our results, they're shown in what we call our Top Picks order. This is simply the order we display products in, based on the factors listed below. It’s not a ranking of what's best for your circumstances. You can change the sort order at any time to choose the order you wish to see the products in.

Top Picks sort order is based on:

Canstar Star Ratings — our expert assessment based on how competitive the product is on price and features

How often people go on to purchase the product after leaving our site — Products that Canstar's consumers purchase more frequently may appear higher in our sort order.

Partner fees — Where products are otherwise similarly ranked on the factors above, those generating higher fees for Canstar may be displayed higher in the sort order.

Online Partner filter

Where we show an Online Partner filter this means we may prioritise the partners who pay us ahead of those who don't. You can turn this off to see all providers, including those who don't pay us. When all products are displayed, they are ordered by Online Partners, and then other products.

The Canstar Star Ratings for Car Insurance were issued by Canstar Research Pty Ltd ('Canstar Research'), AFSL 437917. Canstar Pty Ltd is an authorised representative (AR 443019) of Canstar Research and displays Canstar Star Ratings under that authority.

The Star Ratings and Award results referred to on this page is published annually. Product data in the table is updated from time to time to reflect changes notified to us by product issuers.

The results do not include every provider in the market, and we may not compare all features relevant to you. A description of the initial sort order appears below the table, and you can use the sort buttons at the top of each column to change the order. You can read more in our Car Insurance Star Ratings Methodology. The rating shown is only one factor to consider when comparing products.

The products and Star Ratings shown may not match the details you entered. Star Ratings are based on standardised research profiles set by Canstar Research rather than your individual circumstances, so the table shows the products that most closely match your selection. If you are unsure about any terms used in the table, please refer to the glossary.

What is a Target Market Determination?

A Target Market Determination (‘TMD’) is a document that explains which people particular financial products may be suitable for (the target market) and sets out any conditions around how financial products can be distributed to consumers.

Why do product issuers provide Target Market Determinations?

TMDs are compulsory for most financial products.

Issuers and distributors of financial products must take reasonable steps that are likely to result in financial products reaching consumers in the target market defined by the product issuer. Canstar takes this responsibility seriously. As a distributor, we periodically review the TMDs of products we list on our website to help ensure our distribution channels are likely to result in the products reaching consumers within the relevant target market. This is one of the reasonable steps we take to comply with our obligations.

We recommend that you consider the TMD before making a purchase decision. Not all policies provide cover for business purposes such as rideshare, delivery of goods and services, including food delivery, and taxi hire services. If you use your car for any of these purposes, check the insurance provider’s policy documentation carefully to ensure you are covered for your situation. Contact the product issuer directly for a copy of the TMD.

The results don’t include every provider in the market and we may not compare all features relevant to you. You can find a description of the initial sort order below the table. You can use the sort buttons at the top of each column to re-order the display. Check current rates and product details with the product issuer. The results will show the products that most closely match the inputs in the selector above the table. If you are unsure about any terms used in the comparison table please refer to the glossary. Any advice on this page is general and has not taken into account your objectives, financial situation or needs. Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Canstar is not providing a recommendation for your individual circumstances. It’s important you check product information directly with the provider. Not all policies cover every part of a region. Your specific address may not be included in the policy’s coverage, even if other parts of the area are. For example, some insurers cover North Queensland but exclude Far North Queensland. Consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a purchase decision. Contact the product issuer directly for a copy of the PDS and TMD. For more information, read our Detailed Disclosure.

Canstar is not providing a recommendation for your individual circumstances. We cannot and do not recommend that any particular product is suitable for you. 

We provide links to our Online Partners. These are brands that may pay Canstar a fee for referring you. Our tables default to display only our Online Partners’ products initially, you can adjust the Online Partner Filter to see all of the products available for comparison on Canstar’s website. We provide these links so that you can click through to the product provider’s website to get more information. The provision of these links does not constitute a recommendation by Canstar.

If you are seeking to replace an insurance policy, you should consider your personal circumstances, including continuing the existing cover until the replacement policy is issued and cover confirmed. Your current policy may have different features to products currently on the market. Please consider what features are right for you when comparing insurance products and refer to the provider for further details on a policy.

Companies listed in the table, or in ads, may use or be used by another company to arrange, issue, distribute or sell its insurance policies to customers. For more information on the issuer of the policy, please read the Product Disclosure Statement.