South Australian Comprehensive Car Insurance

Looking for car insurance in South Australia? Find out everything you need to know here.

Our latest Car Insurance Star Ratings in May 2017 rated over 61 policies from 51 providers. Check out these ratings to get an idea of which policies might be better suited for you. Simply click the compare button below!

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You can also view a snapshot of the policies currently available in our database below, with links direct to the providers’ website. Please note that this table has been generated based on a 30-39-year-old male seeking car insurance in South Australia without an extra driver under 25.

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Average Cost of Comprehensive Car Insurance in SA

Car Insurance for New Cars in SA

According to Canstar research in May 2016, these are the average comprehensive car insurance premiums in SA for a new car (registered in 2014 or more recently):

Car insurance for new cars in South Australia
Average comprehensive car insurance premiums for SA drivers (new car)
Driver profile Annual premium
Family $1,731
45+ years old $608
30-44 years old $687
25-29 Female $831
25-29 Male $885
Under 25 Female $1,670
Under 25 Male $1,876
Source: Canstar, May 2016. Premiums rounded down to nearest dollar

Car Insurance for Older Cars in SA

Our researchers also calculated the average SA comprehensive car insurance premiums for drivers who own an older car (pre-2008).

Car insurance for used cars in South Australia
Average comprehensive car insurance premiums for SA drivers (older car)
Driver profile Annual premium
Family $1,622
45+ years old $554
30-44 years old $630
25-29 Female $603
25-29 Male $642
Under 25 Female $1,483
Under 25 Male $1,675
Source: Canstar, May 2016. Premiums rounded down to nearest dollar

SA Comprehensive Car Insurance vs Other Levels of Cover

In accordance with the other states around the country, SA requires all car owners to at least have compulsory third party (CTP) insurance. But this will only cover you for any injuries or deaths that occur at the hands of your driving.

Here’s a general overview of what the different types of car insurance will cover:

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 icon cross icon cross icon icon tick
Third party property cross icon icon tick cross icon cross icon
Third party property, fire and theft cross icon icon tick icon tick cross icon
Comprehensive icon tick icon tick icon tick cross icon

A comprehensive car insurance policy can give you the most peace of mind, but comprehensive coverage can vary between different providers. That’s why Canstar rates SA policies on value as well as price.

Comprehensive car insurance – features Canstar looks for

Car insurance isn’t just about price – the cheapest car insurance policy isn’t necessarily going to give you the level of insurance cover you need. Some of the features that Canstar looks for when assessing the value of car insurance in Victoria includes:

Policy Benefits & Options
After Accident Care Towing after accident, vehicle returned after repairs, Taxi fares covered after accident, Emergency accommodation after accident, Accident cleanup benefit/public liability cover, max
Repairs Repair for excess outlay, lifetime guarantee, choose own licenced repairer, genuine parts, help locating spare parts
Windscreen Cover No-excess windscreen claim, extra cost
Other Cover Personal effects covered in accident, Key replacement/recoding benefit if lost/damaged, Trailer/contents cover, Baby capsule/child seat cover, Death benefit.
Rental Car Rental car included – after theft/accident, additional cost, max days/cost daily for rental car
Roadside Assistance Roadside Assist offered, extra cost
Standard Company Terms
Exclusions Accidental damage, vandalism, fire/explosion, theft/attempted, hail, flood, storm, war
Company Terms Agreed/Market value, New-for-new, Same cover for substitute car
Application/Claims Process & Support
Application Process Can apply online, over phone, in branch
Claims Process Can lodge claim online, over phone, in branch, via mobile app
Support 24 hour helpline, phone assistance no of days per week/hours per day for claims/application, weather alerts
Policy Terms
Excess Options Min/Max excess, default excess in each state, nil excess, non-nominated driver excess, windscreen excess, discount for higher excess
Premiums Monthly payment, discount for additional driver age restriction, online discount, low km discount, no claims discount, multi-policy discount, discount for good driving
Eligibility Minimum/Maximum entry age (These are new questions this rating required for information purposes only –whether to score them and the weight to assign, if any, is to be raised next rating)
Customer Claims Satisfaction
Customer Claims Satisfaction A survey is conducted measuring quality of service provided during claims

You can find out more about car insurance claims satisfaction here.

2016 SA Award Winner – SGIC

SGIC wins CANSTAR - Outstanding Value - Car Insurance - SASouth Australia’s 2016 State Award Winner for Car Insurance in Canstar’s 2016 Rating was SGIC. After comparing policies across all the different profiles (e.g family, male 25-29 etc.), the researchers judged that for South Australians, SGIC offered outstanding value.

For more information on how we do our ratings and judge our awards, read our car insurance methodology here (PDF).

What do SA drivers want in a car insurance policy?

Canstar’s car insurance comparison table enables users to filter policies by what features are included. Looking at the South Australian usage of this filter over the year so far, South Australian drivers seem to really appreciate policies that give them the choice of insuring their car for either agreed or market value. With regards to after accident care, emergency repairs is a high priority.

SA usage of the features filter on Canstar’s car insurance comparison table between 1st January 2016 to the 15th of September 2016:

Features:

  • Agreed or market value: 21.52%
  • Pay monthly at no extra cost: 19.70%
  • Roadside Assistance: 16.06%
  • Cover for unnamed drivers: 14.55%
  • Reduction for driver’s age: 9.49%
  • 24 hour help line: 7.68%
Note: Percentage values represent the distribution of usage of this filter

Features glossary:

Feature Explanation
Pay monthly at no extra cost The premium can be paid in monthly instalments without costing you more than it would if you were paying it annually.
Agreed or market value The policy allows the driver to insure their car at either agreed or market value.
Roadside Assistance On-road mechanical help for policyholders left stranded by their cars.
Cover for unnamed drivers The insurance covers drivers of the vehicle that aren’t named on the policy.
Reduction for driver’s age The policy allows holders to reduce the premium by putting an age restriction on who’s insured to drive the car.
24 hour help line The insurance provider has someone to speak to over the phone at any time of the day.

SA usage of the after accident care filter on Canstar’s car insurance comparison table between 26th January 2016 to the 18th of July 2016:

After Accident Care:

  • Emergency repairs available: 45.72%
  • Can lodge claim online: 37%
  • Free repair service: 24.91%
Note: Percentage values represent the distribution of usage of this filter

After accident care glossary:

Feature Explanation
Free repair service Other than the excess payment, there’s no cost for repair when you make a claim.
Can lodge claim online A claim on the policy can be made over the internet through the provider’s website/app.
Emergency repairs available The policy allows immediate repairs to be made to the car (up to a certain cost) to help you get home or to a service station.

SA Road statistics

Statistics and road dangers to be aware of when driving in South Australia

How many cars?

  • Almost 1.4 million of motor vehicles are registered in SA (as at 31 January 2016)
  • This is around 7.6 percent of the 18.4 million motor vehicles in Australia.
Source: ABS

How many road deaths?

  • In the year ending July 2016, 100 people were killed on South Australian roads
  • 7 percent of all road fatalities in Australia that year (1,292) took place in South Australia.
Source: Commonwealth Department of Infrastructure and Regional Development

Road fatality factors: These are some of the biggest causes of fatal car accidents in South Australia:

  • Speeding – Speeding was a factor in 30% of fatal crashes in 2015
  • Alcohol – 22% of drivers and motorbike riders killed in 2015 were over the limit for alcohol
  • Drugs – 24% of drivers and motorbike riders killed in 2015 tested positive for drugs
Source: South Australia Department of Planning Transport and Infrastructure

Mobile phone usage: In 2015 a handful of South Australian drivers were surveyed by Canstar Blue about their driving habits. This was what they found:

  • 26% admitted to making/receiving a phone call (without hands free) while driving
  • 26% said they had sent a text while driving
  • 13% admitted to using social media while driving
Source: Canstar Blue

Car Theft in SA

South Australia has quite a low rate of car theft compared to the rest of the country. According to the National Motor Vehicle Theft Reduction Council (NMVTRC), SA’s theft rate per 1,000 registrations was only 2.15 in the 2015/16 financial year. This rate is lower than any other state and is well below the national rate of 2.86.

Nevertheless, there were still over 3,000 car thefts that year, so don’t get complacent. Insurers won’t cover your car theft claim if it’s proven you failed to take adequate security measures such as locking your car.

These were the 10 SA regions with the most car thefts:

10 Worst Areas for SA Car Theft (2015/16 financial year)
LGA Number of motor vehicle thefts
Salisbury 448
Port Adelaide Enfield 390
Charles Sturt 367
Playford 323
Onkaparinga 253
West Torrens 149
Marion 139
Tea Tree Gully 131
Adelaide 91
Prospect 60
Source: NMVTRC

SA Weather Threats

With a Mediterranean climate in the south and arid/semi-arid climate throughout the rest of the state, South Australia misses out on those famous summer storms and cyclones up north.

But threats to South Australian cars exist in the form of floods, storms and bushfires. In the higher regions such as the Adelaide Hills, snow and ice is also a possible danger to be aware of on SA roads in winter.

Compare Comprehensive Car Insurance in South Australia

Canstar compares and rates comprehensive car insurance policies available in SA by taking into account both price and features. Following in-depth analysis and assessment, Canstar gives out a star rating to the policies each year. Canstar researchers award five stars to the comprehensive car insurance policies that offer outstanding value to consumers. This table is formulated on a 30-39 year old male who currently lives in South Australia and does not require an extra driver under 25.

 

Compare Car Insurance Policies in South Australia

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