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Compare Car Insurance in Queensland
Written by
Kervin Mathew
Edited by
Ellie Garran
Reviewed by
Adrian BennettWe compare many well-known car insurers
iSelect does not compare all providers in the market or all policies offered by our partners in your area. Not all policies or special offers are available to all customers. Learn more.
How does car insurance work in QLD?
In 2024, there were 302 fatalities related to crashes on Queensland roads – that’s 12.5% higher than the previous five years’ average.1Queensland Government, Publications Portal – 2024 Weekly road fatality report Unfortunately, accidents can happen to anyone. That’s why it’s so important to consider your options when it comes to car insurance.
Queensland has a compulsory third-party (CTP) insurance scheme in place to cover your financial liability if anyone is injured or dies in a motor accident you cause. If you want coverage for property damage, though, you’ll have to consider other types of car insurance: third-party property; third-party property, fire, and theft; or comprehensive.
What’s driving like in QLD?
Queensland roads have a bit of everything, from dense city centres to scenic outback roads, with a decent number of cars scurrying about the Sunshine State. It might come as a surprise, but in 2023, Brisbane was Australia’s most traffic-congested city, ranking 12th globally!2Drive.com.au – Brisbane is Australia’s most traffic-congested city So, things can get pretty chockers on the road at times (looking at you, M1 and Gympie Road!).
Adding to that, the amount of traffic in parts of Queensland increases notably during the winter months, with tourists exploring the state’s outback and remote areas.
How does car insurance in Queensland work?
So, you live in Queensland and you own a car. The Sunshine State is your oyster. But before you jump in your vehicle and zoom off to somewhere beautiful one day, perfect the next, you might want to double check you’ve got suitable car insurance.
What kinds of car insurance are available in QLD?
Compulsory third-party (CTP)
CTP insurance is a must-have for all drivers in the Sunshine State. It’s actually compulsory across all states. CTP insurance helps prevent Queenslanders from being held financially responsible if they injure someone in a motor vehicle accident, including passengers, pedestrians, other drivers, and themselves (to some extent).
Comprehensive cover
Comprehensive insurance can help cover the cost of repairs to your car and other people’s cars and property, whether you’re at fault or not. Depending on your policy, it can also help cover other costs associated with an incident, such as emergency repairs, transportation, and damage caused by other drivers.
Third-party property
Third-party property insurance can help cover any damage that you may have caused to another person’s much-loved vehicle or property. It can include legal costs but it generally doesn’t cover the cost of damage to your own car.
Third-party fire and theft
Third-party fire and theft cover helps provide cover for the loss or damage of your car if it’s stolen or catches on fire, as well as your liability for damage caused by your car to another person’s vehicle or property.
What do the different types of car insurance in QLD cover?
| Insurance type | Injuries to other people | Damage to other people’s cars or property | Damage or loss caused by fire or theft | Damage to your own car |
| CTP | Yes | No | No | No |
| Third-party property | No | Yes | No | No (except by uninsured drivers) |
| Third-party property, fire, and theft | No | Yes | Yes | No (except by uninsured drivers) |
| Comprehensive | No | Yes | Yes | Yes |
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When it comes to comprehensive car insurance, we’re confident that you’ll get the same price through iSelect as going direct to the insurer.
So, if within 30 days after buying with us, you find the identical policy (commencing within two days of the quote) with a lower annual premium from the same insurer, we’ll give you a $100 e-gift card.*
How to buy with iSelect
Get acquainted
Tell us about your car and what you’re looking for, and we’ll get to work.
Explore your options
We’ll show you policies side by side, including their monthly premiums, inclusions, and exclusions, along with any optional extras.
Pick your favourite
You’re in control. Let us know which policy you want to buy, and we’ll set you up then and there.
Say goodbye to your old policy
All that’s left to do is let your previous insurer know that it’s over between you and them.
Helpful tip
If you’re looking to score cheaper insurance premiums, agreeing to pay a higher excess is one way to do it! Bear in mind, this means that you’d have to chip in a bit more every time you make a claim – so pick an excess that you’d be comfortable paying. You can also try paying your car insurance premium up-front annually instead of fortnightly or monthly to help lower car insurance costs.
Adrian Bennett
General Manager for General Insurance
How much does car insurance cost in Queensland?
It’s worth noting that car insurance costs can depend on several factors including, but not limited to, the policyholder’s age and gender. Younger, male drivers tend to get slapped with higher car insurance costs due to the level of risk their demographic poses to insurers. Here’s what iSelect customers in QLD paid on average for comprehensive car insurance based on their age and gender.
Average comprehensive car insurance premiums in QLD, 2024–25
| Age | Female | Male |
| 18–24 | $1,399 | $1,340 |
| 25–29 | $1,251 | $1,157 |
| 30–44 | $1,150 | $1,155 |
| 45+ | $893 | $896 |
Source: Based on iSelect car insurance sales, July 2024 – June 2025
How are my car insurance premiums calculated in QLD?
When it comes to your car insurance premiums, the cost can depend on a number of factors.
Your age
Premiums can be higher for drivers under 25 as they’re statistically more likely to be involved in an accident and, therefore, more likely to make a claim. Because of the risk factor, insurers can decide to issue younger drivers with higher premiums.
Your car
Some makes and models can cost more to insure. Older, larger, or more expensive vehicles could push the needle on premiums, as could those with a boatload of aftermarket parts. On the other hand, cars with high safety ratings, cars that are easy to repair, or even cars that are less popular among thieves can be cheaper to insure.
Your insurance excess
Simply put, the excess is an out-of-pocket expense you agree to pay when you make a claim. While it may seem a tad counterintuitive to the purpose of getting car insurance, paying an excess can help reduce your premiums. The higher excess you pay, the lower your annual premiums are likely to be.
Your driving history
If you’ve accrued enough demerit points to result in a suspended or cancelled licence, it can impact your premium. Insurance companies generally consider these instances as red flags that indicate you’re a high-risk driver and are, therefore, a risk to insure.
How can I get cheaper car insurance in QLD?
Here are some legit ways to try and lower your premium. After all, who wouldn’t want to save a few bucks on car insurance?
Increase your excess
Typically, opting to pay a higher excess can lower your premium. Just be sure you’ll be able to pay the excess if you need to claim.
Pay your premium annually
Paying your entire premium up-front can work out cheaper overall than if you pay your premium in monthly or fortnightly instalments.
Get a pay as you drive policy
Don’t use your car too much? If you drive within a kilometre limit specified by the insurer over the policy term, a pay as you drive policy is a great way to lower premiums and not compromise on coverage.
Set driver age restrictions
As younger drivers are statistically more of a risk behind the wheel, restricting your car to older and more experienced drivers helps reassure your insurer that your car is in safer hands.
Park your car securely
A locked garage or carport is a safer parking spot for your car than on the street, where it’s more exposed to risks like moving traffic or hailstones, or an easy target for thieves.
How do I get great value out of my car insurance policy in QLD?
Everyone wants a good deal when it comes to their car insurance, but it’s also arguably more important to make sure you’re paying for an appropriate policy. Here are some tips to help you get good value from your car insurance.
Don’t just renew, review
Review your policy at renewal time and find out what competitors are offering. You might be surprised at what you could save.
Get the discount you deserve
Some insurers offer a safe driver rating. This should move with you even if you change insurer or policy type, so shop around for discounts.
Read everything
Check your coverage in detail by reading your product disclosure statement (PDS) to avoid any surprises at claim time.
Don’t forget about coverage
Price isn’t everything. You’ll also want to think about the level of coverage you’ll need. Make sure your policy has you covered for all the necessities – just in case.
Frequently asked questions
Which companies offer car insurance in QLD?
Between 2023 and 2024, Queensland experienced one of the highest increases in motor vehicle registrations across Australia. With that much rubber hitting the road, it’s a good thing that there are enough insurance companies to go around. Some insurers that iSelect can help you compare include:
Other car insurers in the market include:
- AAMI
- Allianz
- ANZ
- Bingle
- Bupa
- CGU
- GIO
- NRMA
- QBE
- RACQ
- Real Insurance
- Shannons
- Suncorp Insurance
- Toyota Insurance
- Virgin Money
- Westpac
- Youi.
Note: iSelect does not compare all car insurance providers in the market, or all products offered by our partners in your area.
How much does CTP insurance cost in Queensland?
Because everyone has to have CTP insurance, it’s typically affordable for most people. As of 1 October 2025, CTP insurance cover costs were between $390.80 and $418.20.
In Queensland the price is regulated by the Motor Accident Insurance Commission, which helps ensure that premiums stay at a reasonable level. However, the cost might differ slightly depending on the type of vehicle you own.
The average cost of a CTP insurance claim is around $100,000. Some claims can even end up in the millions. So compared to that, the cost of CTP insurance seems like a pretty good deal!
Is it worth protecting my car against theft in Queensland?
In 2024, Queensland saw more than 19,000 cases of motor vehicles being used for unlawful purposes;3Queensland Police – Queensland Crime Statistics that’s when a person uses a motor vehicle without the owner’s consent, or with the intention to steal the vehicle. That’s a lot of disgruntled car owners, and that’s when having the right car insurance comes in handy.
If you were one of those car owners and you had third-party fire and theft insurance or comprehensive cover, you could’ve been covered for your stolen vehicle.
What kind of optional extras can I get with my car insurance?
Though car insurance can be your basic line of defence against unexpected road and vehicle-related incidents, it doesn’t cover all scenarios. So, you could consider some optional extras that do. Keep in mind, you can access some of these features only with comprehensive cover, and they often come at an extra cost.
- Choice of repairer: You may have a repairer you trust more than others to fix your car if it’s been in a crash. Some insurers let you nominate your repairer of choice and can cover the cost of repairs through that repairer.
- Accident hire car: If you’re in an accident at no fault of your own, you might be able to use a hire car arranged and paid for by your insurer.
- Reduced excess for window glass: When it’s only your car’s windscreen and windows that take damage, an insurer could offer the option of paying a reduced excess or no excess at all for repairs or replacement.
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iSelect General Pty Ltd (ABN 90 131 798 126. AFSL 334115) has partnered with Compare the Market (ABN 83 117 323 378. AFSL 422926) to compare a range of car insurers and policies. Not all providers in the market or all policies offered by the partners are compared and not all policies or special offers are available to all customers.
A number of our participating general insurance brands are arranged by Auto & General Services Pty Ltd ACN 003 617 909 on behalf of Auto & General Insurance Company Limited 111 586 353, both of which are related entities of iSelect Limited. Our relationship with those companies does not impact the integrity of our comparison service. Click here to view iSelect’s range of providers.
Any advice provided by iSelect is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold that is a percentage of the premium or a flat fee. Ask us for more details before we provide you with any services.