Car Insurance · Australia
What are other Australians actually paying for car insurance for drivers after an accident?
Loyalty in car insurance often means paying more, not less.
The difference between the most and least expensive insurer for drivers after an accident for the same cover can be significant. A 60-second check is all it takes to find out where you sit.
Loyalty doesn't always get rewarded in insurance. Often, it just gets charged for.
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Typical cost
What are people actually paying?
Based on publicly available data, car insurance for drivers after an accident typically ranges from $900–$2,500 per year. That's a wide spread — and where you land depends heavily on which insurer you choose, not just your circumstances.
Prices are indicative only, sourced from general market research. Actual quotes may differ. Always read the PDS before purchasing.
What affects your premium
Why prices vary so much
- ✓Your insurer's risk model — different companies weigh the same factors differently.
- ✓Security features — immobilisers, alarms, and secure parking can earn discounts.
- ✓Policy inclusions — roadside assist, hire car cover, and windscreen protection affect the price.
- ✓Payment frequency — paying annually is often cheaper than monthly instalments.
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Common questions
Is car insurance compulsory in Australia?
CTP (Compulsory Third Party) insurance is compulsory in all states and territories and covers personal injury claims. Comprehensive or third party property insurance is optional, but strongly recommended.
Does my car insurance cover me if someone else drives my car?
It depends on your policy. Many policies extend cover to other licensed drivers, but some apply restrictions or additional excesses for unlisted drivers. Check your PDS.
What happens if I don't disclose information when applying for car insurance?
Non-disclosure of relevant information — such as prior claims or modifications — can result in a claim being reduced or denied. Always provide accurate information when applying.
Disclaimer: General information only. Not financial advice. Price ranges are indicative estimates based on general market research and may not reflect current market conditions. Always obtain a formal quote and read the Product Disclosure Statement before purchasing. RightCovers is a referral service and does not provide insurance directly.
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