Car insurance in QLD Background

Compare comprehensive car insurance in QLD

The table below displays a range of comprehensive car insurance policies from our Online Partners for drivers in Queensland.

Group Manager, Research & Ratings
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  • Star Rating - lowest first
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  • Agreed or market value - lowest first
  • Agreed or market value - highest first
  • New car in case of write-off - lowest first
  • New car in case of write-off - highest first
  • Pay monthly at no extra cost - lowest first
  • Pay monthly at no extra cost - highest first
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Market Glossary
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If written off before 36 months old
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Agreed Glossary
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If written off before 15000 kms
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Only monthly premiums are offered
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Agreed or market Glossary
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If written off before the earlier of 36 months old or 60000 kms
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Agreed or market Glossary
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If written off before the earlier of 24 months old or 40000 kms
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Agreed Glossary
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If written off before 24 months old
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Agreed or market Glossary
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If written off before the earlier of 24 months old or 40000 kms
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Agreed or market Glossary
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If written off before 24 months old
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Agreed or market Glossary
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If written off before the earlier of 36 months old or 50000 kms
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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 car insurance do I need in Queensland?

Car owners are required to have Compulsory Third Party (CTP) insurance in Queensland, and it may also be worth considering other levels of car insurance, such as comprehensive car insurance, Third Party Fire and Theft or Third Party Property Damage.

Frequently Asked Questions about Car Insurance in Queensland

There are four main types of car insurance in Queensland and Australia generally:

  • Compulsory Third Party (CTP) insurance
  • Third party property damage insurance
  • Third party fire and theft insurance
  • Comprehensive insurance

 

Compulsory Third Party (CTP) insurance cover is generally included with your vehicle registration in Queensland, though you do get a choice of provider. You can opt out if you already have pre-paid CTP insurance.

But CTP insurance mainly covers you from any financial responsibility if you injure someone in a motor vehicle accident. It doesn’t cover you or your car.

It may be a good idea to consider seeking some extra car insurance cover to protect you from much more when travelling the Sunshine State’s many varied roads.

There are many sites to see on the Sunshine State’s roads, but there are also potential hazards to be aware of, so it can help  to look for the best car insurance in Queensland that suits your needs.

Queenslanders love to travel and the state has 226,632km of the nation’s 877,651km roads, according to the latest federal government figures. That’s about a quarter of all roads in Australia as measured by distance.

They include some of the remote dusty single track roads that cross the Outback, to the sandy streets of the coastal towns and cities and bustling suburban lanes of the state capital Brisbane.

So if you are looking for cover for your car in case it is damaged from an accident, a weather event, or is stolen, then comprehensive car insurance may be worth considering.

Comprehensive car insurance is the highest level of car insurance coverage in Australia. It provides a level of financial cover for damage to other people’s cars and property in an accident, damage to your own vehicle caused by fire or theft, and accidental damage to your own vehicle, regardless of who caused the damage.

It may also provide additional types of cover, such as damage to your car from storms or vandalism, depending on the insurance provider and policy you choose. Given the risk of damage from flooding or hail damage from Queensland’s severe thunderstorms and rain events, you might want to check what’s covered in any policy you’re considering.

If you are looking to compare comprehensive car insurance policies in Queensland, you can use the table at the top of the page.

The cost of car insurance in Queensland will vary depending on a range of factors, including:

  • your age
  • driving experience
  • address
  • the type of car you are looking to insure
  • where your car is parked
  • how often and how far you drive it
  • your nominated excess.

Depending on your circumstances, you may be able to find a provider that will cover you for less, so could be a good idea to compare your options.

Latest in car insurance

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.

Canstar's Car Insurance Awards

About our car insurance experts

Michael Lund, Senior Finance Journalist

Michael Lund
Michael is an award-winning journalist with more than three decades of experience reporting on a range of subjects, including general news, lifestyle, local government, science and technology. As a senior finance journalist at Canstar, Michael has written more than 100 articles covering superannuation, savings, wealth, life insurance, home loans and more. His work has been referenced by a number of other finance publications, including Yahoo Finance and The Motley Fool. Michael started in the UK working for a number of local and evening newspapers, including as a local government reporter. He then moved to the BBC and worked in radio before taking up the position of bi-media local government correspondent for the West of England, based in Bristol. In 1998 Michael moved to Australia and worked for Queensland’s The Sunday Mail before joining the ABC in Brisbane. There, he worked as a reporter and producer in a number of areas in radio and television, including for ABC TV’s popular Australian Story. After a stint as a tutor and lecturer in journalism at Queensland University of Technology, Michael returned to News Corp as a feature writer for The Courier-Mail. An interest in online journalism saw Michael join The Conversation first as a science and technology editor and later as a commissioning editor, working across all areas of coverage including with The Conversation’s New Zealand team. Michael has been lucky enough to win a few awards for his work, including a Queensland Media Award and a highly commended in the Walkleys. In 2021 he was part of a team that was a finalist in the Australian Museum Eureka Prize for Science Journalism. He holds a Bachelor of Science in mathematics and applied physics (Manchester Metropolitan University) and a Masters of Science in pure mathematics (Liverpool University). You can connect with Michael on LinkedIn. View Michael’s articles.

Joshua Sale, Group Manager, Research & Ratings

Joshua Sale

As Canstar’s Ratings Manager, Josh Sale is responsible for the methodology and delivery of Canstar’s Car Insurance Star Ratings and Awards. With tertiary qualifications in economics and finance, Josh has worked behind the scenes for the last five years to develop Star Ratings and Awards that help connect consumers with the right product for them.

Josh is passionate about helping consumers get hands-on with their finances. Josh has been interviewed by media outlets such as the Australian Financial Reviewnews.com.au and Money Magazine.

You can follow Josh on LinkedIn, and Canstar on Twitter and Facebook.


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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.

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. Sponsorship/promotion fees may be higher than referral fees. If a product is sponsored or promoted, it’s an ad and it is clearly marked as such. An ad might appear in different places on our website, such as in comparison tables and articles. Ads may be displayed in a fixed position in a table, regardless of the product's rating, price or other attributes. The location of an ad doesn’t indicate any ranking or rating by Canstar. Payment of fees for ads does not influence our Star Ratings. See How We Get Paid to find out more.

The Car Insurance Star Ratings were awarded in June 2023 and data in the table is current as at that date, updated from time to time to reflect product changes notified to us by product issuers. 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. Learn more about our Car Insurance Star Rating Methodology. The rating shown is only one factor to take into account when considering products.

The products and Star Ratings in the table might not match your exact inputs in the selector. Sometimes the methodology uses profiles with categories or bands (e.g. income, loan amount or monthly spend), but sometimes a single methodology, without any categories or bands, is applied. The results will show the products that most closely match your selection, based on our profiles. If you are unsure about any terms used in the comparison 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?

From 5 October 2021, 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.

We recommend that you consider the TMD before making a purchase decision. Contact the product issuer directly for a copy of the TMD.

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. If you decide to apply for an insurance policy, you will deal directly with the provider, not with Canstar.   It’s important you check product information directly with the provider. 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.

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.