Top 10 Vehicle Insurance in Australia 2025 Now: Choosing the right vehicle insurance company can save you money, provide peace of mind, and ensure you are covered when the unexpected happens. Australia’s car insurance market is competitive, with a range of providers offering various policies for all kinds of drivers. Whether you are a seasoned motorist or a new car owner, understanding who the top players are in the industry can help you make an informed choice.
Here are the top 10 vehicle insurance companies in Australia in 2025, based on customer Satisfaction, coverage options, claim handling, and overall value.
1. NRMA Insurance
Best for: Reliable customer service & roadside assistance
NRMA is a well-known name in the Australian insurance market, especially in New South Wales and the ACT. They offer comprehensive car insurance with great customer service, optional roadside assistance, and flexible policies.
Key Features:
- Lifetime guarantee on repairs by approved repairers
- Choice of repairer option
- 24/7 claims support
2. AAMI
Best for: Easy online claim process
Part of the Suncorp Group, AAMI is one of the largest and most popular insurers in Australia. It’s praised for its transparent policies and hassle-free online claims process.
Key Features:
- Free windscreen repairs on comprehensive policies
- No-claim discount rewards
- Flexible excess options
3. RACV (Royal Automobile Club of Victoria)
Best for: Victorian drivers
RACV offers a variety of insurance products tailored specifically for drivers in Victoria. They’re known for solid customer service and membership benefits.
Key Features:
- Access to exclusive member discounts
- Strong roadside assistance network
- Highly rated customer satisfaction
4. Allianz Australia
Best for: International brand reliability
As a global insurance giant, Allianz brings international experience with strong local service. It’s ideal for those looking for extensive coverage options backed by a reputable brand.
Key Features:
- 24/7 emergency claims service
- Optional rental car cover
- Trusted repairer network
5. Budget Direct
Best for: Affordable premiums
Consistently awarded for customer satisfaction and value, Budget Direct is perfect for those looking for comprehensive cover at a competitive price.
Key Features:
- Customisable policies
- Lifetime repair guarantee
- Award-winning value for money
6. Youi
Best for: Personalised policies
Youi stands out for its tailored approach to car insurance. Instead of cookie-cutter plans, they personalise your policy based on how and where you drive.
Key Features:
- Custom pricing based on driving habits
- Helpful customer service
- Fast claims process
7. RAC (WA)
Best for: Drivers in Western Australia
The RAC WA is similar to its Victorian counterpart but serves drivers in Western Australia. It offers strong coverage with excellent local benefits.
Key Features:
- Local expertise
- Member benefits & discounts
- Trusted in WA for generations
8. Bingle
Best for: Digital-savvy drivers
A digital-first insurer under the Suncorp umbrella, Bingle is a great choice for tech-savvy, younger drivers who want low-cost, no-frills insurance they can manage online.
Key Features:
- Low premiums
- Straightforward online services
- Fast claims through the app
9. API A (Australian Pensioners Insurance Agency)
Best for: Seniors & retirees
APIA, also a Suncorp brand, is tailored for over-50s. It offers competitive car insurance with benefits that reflect the lifestyle and needs of older Australians.
Key Features:
- Discounts for safe, experienced drivers
- No claim bonus protection
- Flexible payment options
10. Shannons
Best for: Car enthusiasts & collectors
Shannons is the go-to insurer for motoring enthusiasts, offering policies for vintage, classic, and performance vehicles.
Key Features:
- Specialised insurance for classic cars
- Enthusiast-friendly coverage
- Support for motoring events and clubs
Final Thoughts
Top 10 Vehicle Insurance in Australia 2025 Now: The best vehicle insurance company for you depends on your personal circumstances: your car’s value, how often you drive, where you live, and what features matter most to you. These top 10 companies each bring something unique to the table — so take the time to compare Quotes, Read the PDS (Product Disclosure Statement), and choose a policy that fits your needs.
