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6 Best Car Insurance in WA Ranked (2024)

Owning and driving a car in Western Australia can be an exciting experience, but driving through the densely populated and busy roads in some cities like Perth and Bunbury can cause drivers to become more vulnerable to accidents and other unforeseen risks.

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Since the vast majority live in the southwestern part of the state and a good number of the population live in the Perth area, it becomes necessary for all drivers in WA to seek the best car insurance to protect themselves against liabilities and damages to their assets.

While picking the best car insurance in WA can be debated due to several reasons like cost and coverage, we have carefully appraised insurers nationwide based on their coverage options, costs, flexibility, financial stability, and customer reviews to help you find the best auto insurer for your specific needs.

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Take a look at our review to learn more as we compare and rank the best car insurance companies in WA!

Also check: ROLLiN’ Insurance Review: Get Cheap Car Insurance

What is the average cost of car insurance in WA?

The cost of car insurance in WA will vary based on a number of reasons including your risk as a driver, the make and model of your vehicle, the value of your car, the purpose for which you use your vehicle, selected excess, and also the auto insurance company chosen.

According to data obtained from ComparetheMarket, the average cost of car insurance in WA is $88.60 a month or $1,036.20 a year, while the highest could average $3,000 or more per year.

Car insurance options available in WA

Not just in WA alone, here are the types of car insurance policies available for all states and territories throughout Australia.

Comprehensive

Comprehensive car insurance offers the most extensive protection for your vehicle of all forms of car insurance and goes beyond the basic requirements of third-party insurance by covering not only damages to other vehicles, but also damages to your own car, whether caused by accidents, theft, vandalism, or natural disasters.

This covers the repair costs, replacement of stolen items within your vehicle, and sometimes even emergency accommodation or towing services. As the most wide-ranging form of auto insurance, it normally comes with the highest premium compared to other insurance options.

The average cost of comprehensive car insurance in WA is $136 per month.

Third Party Property, Fire & Theft

This type of insurance covers damages your vehicle may cause to other people’s property (third-party property), and it also extends to provide protection in the unfortunate events of fire or theft, but doesn’t cover the cost of repairing your own vehicle if you suffer a car accident.

This mid-tier option is aimed at protecting you if your car is damaged by fire or stolen.

Third Party Property Damage

Third party property damage ensures you get maximum protection against liabilities resulting from property damage to a third party. This type of insurance typically includes benefit compensation such as covering the cost of repairing or replacing the other party’s car or property for which you were at fault.

Like the third party fire & theft option, this also will not cover the cost of repairing your own vehicle if you suffer a car accident.

Compulsory Third Party (CTP) 

As the name suggests, all vehicles operating in Western Australia (also applies throughout Australia) must own Compulsory Third Party (CTP) insurance.

Unlike the other aforementioned types of insurance, CTP specifically focuses on providing compensation for personal injuries and death caused by a motor vehicle accident.

CTP does not extend coverage to property damage or damage to vehicles involved in the accident, including your own.

Best Car insurance in WA

  1. Royal Automobile Club of Western Australia (RAC WA)
  2. Budget Direct
  3. SGIO/NRMA
  4. Real Insurance
  5. AAMI
  6. Youi

RAC WA

Royal Automobile Club of Western Australia tops our list as the overall best car insurance company operating and serving in Western Australia. As a household name, RAC has been serving thousands of WA residents with a range of car insurance options for over 115 years.

The company also has one of the best car insurance coverage for young drivers in WA aged between 17 and 21, by offering free standard roadside assistance for a year and up to two subsequent years for half the price of their premium. RAC is headquartered at 832 Wellington Street, West Perth, Western Australia.

What does RAC car insurance policies cover?

Whether you drive your car on selected days or cover more kilometers with it on a daily basis, RAC has extensive car options to cover any liability or damage you may suffer. It includes Comprehensive, Third Party Fire & Theft, and also Third Party

Here is a review of their plan benefits and coverage limits.

NOTE: We may be referring to Third Party Fire & Theft (TPFT) and Third Party Property Damage (TPPD) as – the other plans, in some car insurance policy coverage sections in this article.

  • Maximum cover for damage to your car on the Comprehensive Plan, and $5000 max for the other plans.
  • Coverage for legal liability in an accident involving your car, or a trailer up to $25,000,000 (available on all plans).
  • Open driver coverage is available for licensed drivers to use your car under your permission (available on all plans).
  • Coverage for temporary cover for your new car that’s indicated within 14 days after purchase (available on all plans).
  • Provision of Hire car if your vehicle is damaged or stolen (available on all plans).
  • Includes coverage for a lifetime guarantee on repairs to your car (available only on Comprehensive, and TPFT plans).
  • Coverage for towing car costs if it is damaged and unsafe to drive (available on Comprehensive, and TPFT plans).
  • Includes repair cover for window and window glass, but $100 excess for replacement (available only on Comprehensive plan).
  • Coverage for lost or stolen keys up to  $2000 max (available only on Comprehensive plan).
  • Accidental death benefits up to $15,000 to the deceased’s estate (available only on Comprehensive plan).
  • Up to $500 for lost or damaged personal belongings (available only on Comprehensive plan).
  • Travel or accommodation costs for any emergency if you’re over 100km away from home (available only on Comprehensive plan).

Cost and discounts

The actual cost of RAC car insurance will vary starting from your coverage level and several factors like selected excess and driving age. Getting a quote is the only way to find out the actual cost of your policy. But keep in mind the above-mentioned reasons will affect your premium rate.

For discounts, customers can save more through several discount options available from RAC. You can save $100 for the first year on the comprehensive plan, and $30 for the Third Party Fire & Theft and Third Party plan when you get a quote online.

Also, existing members who are on the Bronze level can save 5%, Silver members save 7.5%, while Gold and Gold Life members can save up to 10% on comprehensive car insurance.

Pros and cons

Pros

  • Massive discounts available for new and existing members
  • free2go Standard Roadside Assistance for 17 to 21-year-olds
  • Open driver cover for any licensed driver to use your car under permission
  • Lifetime guarantee on car repairs

Cons

  • Limited availability: Only available for drivers residing in WA
  • Lost or stolen keys coverage only available on the comprehensive plan
  • An excess of $100 if you need a window replacement

RAC WA car insurance reviews and ratings

RAC has received tons of reviews from numerous customers, with some expressing satisfaction with their service; while some have left poor reviews. Below is how RAC is rated on different review websites.

  • MOZO: RAC WA has 4.2 stars from 482 reviews.
  • ProductReview: RAC WA has 2.2 stars from 253 reviews.

How to get a car insurance quote from RAC WA

This is a simple and straightforward process. You can get a quote online by visiting the RAC WA website today or call 13 17 03 for general inquiries.

Budget Direct

Since 2000, Budget Direct has been insuring car owners in the Wildflower State, including Perth, Esperance, Fremantle, Broome, and beyond.

Budget Direct claims that customers from Western Australia have saved an average of $164 when they switched to their Comprehensive car plan. In addition, if you are a driver in WA, you can get up to 15% off on your first year’s premium when you purchase a car insurance policy on their website.

Its Gold Comprehensive Car Insurance policy includes a “New for Old” replacement cover if your brand-new car is damaged within the first two years of purchase – ensuring you get a new one.

Their policy comes at an affordable rate while maintaining quality car insurance service. Aside from car insurance, Budget Direct also sells, Pet, Home, Travel, Life, and Roadside assistance insurance.

One downside of Budget Direct is that roadside assistance is not automatically included in its standard cover. You will have to purchase it independently as an add-on.

What does Budget Direct car insurance policies cover?

Budget Direct Plans include Comprehensive and Third Party options. Take a look at what you got coverage for.

  • Legal liability up to $20 million (applicable on all plans).
  • Essential and immediate repairs to your vehicle following an insured event (available on Comprehensive Plan).
  • Coverage from hire car theft up to $1,000 with 14 days max (available on Comprehensive and TPTF plan).
  • Up to $1,000 for stolen or lost key replacement (available on Comprehensive Plan).
  • Coverage includes debris removal from your car.
  • Up to $200 for emergency transport and accommodation per day ($1,000 max).
  • Damage or theft of child seat/baby capsule in your car up to $500 (available on Comprehensive Plan).
  • $5,000 cover including recovery, towing, and storage costs for any damage caused by an uninsured driver (available on TPFT and TPPD plan)

Cost and discounts

Budget Direct car insurance costs can widely vary, but your premium will be based on your driving record, type of car, make and model, along with several other factors. Your final premium will only be determined when you get a quote.

Budget Direct offers 15% discount when you purchase your car insurance through their website in your first year.

Pros and cons

Pros

  • Good discounts
  • Free choice of repairer
  • Reduced excess on window-glass repairs
  • Debris removal

Cons

  • No automatic roadside assistance
  • Some poor reviews from customers

Budget Direct car insurance reviews and ratings

  • MOZO: Budget Direct currently has a 3.5-star rating from 1316 reviews.
  • ProductReview: Budget Direct currently has a 3.8-star rating from 8366 reviews.

Also check: Guild Insurance Review: Products & Coverages

How to get a car insurance quote from Budget Direct

Visit the Budget Direct website to sign up for a quote, or call 1800 700 027.

SGIO/NRMA

Formed in 1926, SGIO sold many insurance products including car insurance in Western Australia. However, in December 2022, the company announced it would transition its car insurance policy to NRMA. SGIO no longer offers new policies, but NRMA insurance can now help protect you and your ride.

All new customers seeking SGIO car insurance in WA can now enroll for a policy through NRMA.

The National Roads and Motorists’ Association car insurance includes benefits for your car like zero excess for windscreen repair, in addition to claiming up to $100 to hire a car until yours gets fixed.

NRMA also provides classic car insurance and extras that you can customize to meet your specific needs.

What does NRMA car insurance policies cover?

NRMA has three levels of Comprehensive coverage: Comprehensive Basics, Comprehensive, and Comprehensive Plus, along with TPFT, TPPD, and Classic car insurance.

Here’s what NRMA car insurance plans cover:

  • Liability coverage up to $20,000 on all policies including Classic car.
  • Replacement for fire extinguisher (available on all plans except TPPD plan).
  • Emergency repairs up to $800 on Comprehensive, TPFT, and up to $1,000 for Classic car if your car got damaged for a reasonable cause.
  • Cover for damaged personal items like baggage, gadgets, and watches with claim benefits up to $1,000 (applicable only on Comprehensive and Comprehensive Plus plans).
  • Includes cover for baby capsules and baby seats if they’re stolen or damaged in an accident (available on all plans except TPPD).
  • Ridesharing coverage for your car if it is used for ridesharing services like Uber on all plans.
  • Coverage if you get contaminated by Methamphetamine (available on all plans).
  • Includes coverage for a lifetime guarantee on repairs to your car (available on all plans).
  • Claim benefits up to $5,000 for accidents caused by other drivers to you on the TPFT plan, and $5,000 for accidents caused by uninsured drivers to you on the TPPD plan.
  • Includes Accessibility modifications like hoists, hand controls, and wheelchair ramps (available on all plans).
  • Optional excess free glass extension benefit (available on Comprehensive Plus plan & optional for Comprehensive plan).

Cost and discounts

It is difficult to set a price tag on NRMA car insurance premium since the rates are based on the risks posed by you as a driver making the rates slightly or greatly different from policyholder to policyholder.

NRMA offers up to 10% discount on your first year’s premium when you enroll online from Western Australia and up to 65% when you make no claims in each policy period.

Pros and cons

Pros

  • Flexible excess options
  • 10% discounts on online purchases from drivers in WA
  • Easy and quick online quotes
  • Rideshare coverage
  • Lifetime guarantee on all authorized repairs

Cons

  • No roadside assistance on basic coverage
  • Some poor customer reviews

NRMA car insurance reviews and ratings

NRMA has both positive and negative reviews from customers. Here’s how they rank on different review websites.

  • MOZO: NRMA has a 4.1-star rating from 2994 reviews.
  • ProductReview: NRMA has a 1.8-star rating from 1,399 reviews.

How to get a car insurance quote from NRMA

You can obtain a quote by visiting the website online.

Real Insurance

Another top car insurance provider Western Australians can consider is Real Insurance. The company entered the Australian market in 2005, and in 2008 became the first company to offer Pay As You Go (PAYG) car insurance in Australia, and the products have since received several awards.

Drivers can save up to $220 when they enroll on Real Insurance’s Pay As You Drive policy. This plan ensures that you’re only charged based on the kilometers you cover and saves you money when you don’t drive – a decent plan dedicated to drivers who drive less or use the road less often. Real insurance rates are priced reasonably while offering Western Australians value-for-money insurance.

Its other car insurance offerings include Comprehensive, and Third Party insurance products; meaning you can never go out of coverage in the event of an accident or liability. The Comprehensive and Third Party options typically include all the benefits of their respective plans.

What does Real Insurance car insurance policies cover?

Let’s take a glance at their car insurance product benefits and coverage limits.

  • A maximum of $20 million for legal liability cover (applicable on car all plans).
  • Coverage for caravan and trailer – $1,000 max (available on Comprehensive, PAYD, and TPPF plans).
  • Coverage for damage to personal property up to $500 (available on Comprehensive, PAYD, and TPPF plans).
  • Replacement for lock and keys up to $500 max (available only on Comprehensive, PAYD, and TPPF plans).
  • Includes coverage for towing costs of your vehicle (available on Comprehensive, PAYD, and TPPF plans).
  • Accommodation cost coverage – max $500
  • Up to $3,000 reimbursement for any damage to your car by an insured driver who’s at fault (available on Third Party Property Damage Insurance plan)
  • Coverage for legal liability associated with an uninsured temporary replacement car while your primary vehicle is undergoing repairs (available on Third Party Property Damage Insurance)
  • Optional cover for hire car and free excess on windscreen repair (available on Comprehensive, PAYD, and TPPF plans).
  • Optional roadside assistance coverage (available on all plans)

Cost and discounts

The final cost of your insurance will be disclosed when you sign up for a car policy. Discount is available through Pay As You Drive Car Insurance where you can save up to $220.

Pros and cons

Pros

  • Flexible payment options
  • Access to a hire car after theft
  • New for Old” replacement for your damaged or lost car

Cons

  • Expensive premiums
  • No option to choose your preferred repairer

Real Insurance car insurance reviews and ratings

  • MOZO: Real Insurance has a 4.1-star rating from 345 reviews.
  • ProductReview: Real Insurance has a 3.4-star rating from 619 reviews.

How to get a car insurance quote from Real Insurance

Enroll for a quote online with Real Insurance here, or call 1300 620 268 to speak with a Real customer representative.

AAMI

If you live and drive around major suburbs in the Perth area like Frenchman Bay, Port Hedland, and Fremantle, AAMI can help protect your vehicle and provide financial security in the event of a covered accident.

This coverage comes with a fair discount on premiums by taking off $50 when you enroll for a comprehensive plan and up to $20 when you buy any third party policy online.

AAMI car insurance also includes optional extras like:

  • Roadside Assistance
  • Hire car after suffering from an accident
  • Windscreen & window glass cover

What does AAMI car insurance policies cover?

AAMI cover typically ranges from accidental coverage, car theft, damage to third party property, and many others. Below are the benefits and coverage limits

  • Legal liability coverage up to $20 million (applicable on Comprehensive and other plans).
  • Coverage from accidental loss or damage due to hail, flood, fire, theft or attempted theft, malicious damage or vandalism, and storm, including collision and impact (available on Comprehensive Plan).
  • Includes coverage for towing assistance after a car breakdown
  • Up to $500 for baby capsules and child seat replacements (available on all plans).
  • Claims benefit up to $500 for personal property damage in your car like cash, smartcards, and phone cards (available only on Theft & Third Party Property Damage plan).
  • Transport cover to your car up to $250 for damage by an uninsured driver (available on TPFT and TPPD plans).
  • Maximum claim benefits up to $1,000 for damage to your trailer during your period of insurance (available on Comprehensive plan).
  • Cover from damage caused by collision with an uninsured driver up to $5,000 (available on TPFT and TPPD plans).
  • Claims benefit up to $90 per day for a hired car after damage to your car (available on Comprehensive plan).

Cost and discounts

Enroll for a policy today to get the actual cost of AAMI car insurance.

AAMI takes off $50 and $20 when you enroll respectively for a Comprehensive and Third party policy online from Western Australia.

Pros and cons

Pros

  • Good discount for WA residents
  • Wide range of coverage
  • Excess adjustments
  • Hire car after theft up to 21 days

Cons

  • No choice of repair unlike some car insurance companies

AAMI car insurance reviews and ratings

  • MOZO: AAMi has a 4.0-star rating from 4096 reviews
  • ProductReview: AAMI has a 1.8-star rating from 1,764 reviews

How to get a car insurance quote from AAMI

Get a quote today by visiting the website online.

Youi

Another household name for Western Australians is – YOUI. According to information from the website, it claims that about 72% of drivers from WA did save an average of $164 per year when they switched their car insurance to YOUI.

Unlike some other car insurance where you must separately purchase roadside assistance, YOUI’s comprehensive car policy comes with automatic roadside assistance.

Third party options are also available to cover your car against fire and theft and cover for damage involving another person’s car.

In addition, drivers are given the option to make payments either on a monthly installment or one large sum.

What does YOUI car insurance policies cover?

  • $20 million max in legal liability claims involving damages caused to a third party (available on all plans).
  • Replacement for locks and keys up to $1,000 per claim (available on Comprehensive and TPFT plans).
  • Up to $1,000 for emergency transport and accommodation (available on Comprehensive and TPFT plans).
  • Includes $100 for towing costs to your car after a breakdown (available on Comprehensive and TPFT plans).
  • Maximum of $5,000 for funeral expenses (available on Comprehensive plan).
  • Coverage for damages to your personal items inside your car up to $150 per item and a max of $750 per claim (available on Comprehensive plan).
  • Automatic roadside assistance on Comprehensive plan.
  • Personal transport cover up to $100 if your car becomes unusable (available on Comprehensive and TPFT plans).

Cost and discounts

The costs and discounts offered by YOUI are not publicly advertised. You can enroll for a policy today to find out if you are eligible for a discount.

Pros and cons

Pros

  • Allowed to choose your repairer
  • Flexible payment options
  • Automatic roadside assistance
  • New car replacement

Cons

  • Inconsistent to no discounts

YOUI car insurance reviews and ratings

Here’s how YOUI’s car insurance is rated on MOZO and Product Review.

  • MOZO: YOUI has a 4.1-star rating from 1198 reviews
  • ProductReview: YOUI has a 4.0-star rating from 7,077 reviews

How to get a car insurance quote from YOUI

Quickly get a quote from the website here, or call 1300 260 116 for more information.

Final verdict

Getting the right policy for your car in WA is essential and so requires a careful decision. Our list will help you make the right choice for your car insurance needs, whether you are on a budget or need comprehensive protection for your ride and yourself.

Picking these few from the numerous car insurance companies was a tight decision and was entirely done from our own review.

Frequently Asked Questions (FAQs)

How can I lower the cost of my car insurance in WA?

One of the ways to lower the cost of your car insurance in WA is by shopping for online discounts. Some insurance providers listed above offer discounts when you buy a policy online with them.

Also, choosing a higher excess can help reduce your premium, although it means you will have to pay more when making a claim.

How does CTP insurance work in Western Australia?

Compulsory Third-Party (CTP) insurance is mandatory and covers injuries to people in an accident for which you are at fault. It does not cover damage to vehicles or other property. CTP is usually included in the vehicle registration fee.

Can I choose my own repairer after an accident?

Depending on the insurer you enroll with, you can be given the choice of choosing your own repairer after an accident. Companies like Budget Direct and YOUI offer you your choice of repairer after an accident.

Can I add extra coverage to my policy?

Most car insurers typically include extras on their comprehensive coverage. AAMI for example, provides extras like roadside assistance, and hire car after suffering from an accident.

Do I need to notify my insurer if I modify my car?

Yes, it’s important to inform your insurer if you make modifications to your vehicle. Failure to do so could result in coverage issues if you need to make a claim related to those modifications.

Can I transfer my No Claims Bonus from another state?

Most times, you can transfer your No Claims Bonus (NCB) from another state when you move to Western Australia. Check with your insurer for specific details and requirements. Insurers like Budget Direct are good at handling this.

What happens if my car is damaged in a natural disaster?

Most comprehensive insurance will cover your car if it is damaged from a natural disaster like hail, storm, bushfire, or flood.