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Compare car insurance in Queensland (Qld)
Written by
Kervin Mathew
Edited by
Andrew Kemp
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?
Qld’s Motor Accident Insurance Commission monitors the state’s compulsory third-party (CTP) insurance scheme. One way of purchasing CTP insurance is to do so from a licenced insurer when you pay your vehicle registration, so you’re covered for liability and compensation costs if anyone is injured or dies in a motor accident you caused. If you want coverage for damage to your car or other people’s property, you’ll have to consider getting third-party or comprehensive car insurance.
Car insurance companies typically offer three levels of cover: third-party property, third-party property, fire and theft and comprehensive. Third-party car insurance is mainly designed to cover damage you cause to other people’s cars and property in an accident. Comprehensive car insurance offers broader coverage that also includes accidental damage to your own car, even if the damage was your fault.
What’s driving like in Qld?
The driving experience in Qld has a bit of everything, from dense city centres to scenic outback roads, with a decent number of motorists traversing the Sunshine State. In fact, Brisbane is considered Australia’s most traffic-congested city and ranked 14th globally in 2025, according to data from INRIX.
So, things can get pretty chockers on the road at times (looking at you, M1 and Gympie Road) and this could contribute to higher car insurance premiums in those areas. Adding to that, the amount of traffic in parts of Qld increases notably during the winter months, with tourists pouring in to explore the state’s outback and remote areas – and maybe to soak up some sun on the Goldie!
Car insurance in Qld explained
Watch this short video to get a quick rundown of how car insurance works in Qld, the different types of car insurance cover you can get and how iSelect can help you with choosing and buying the policy you want.
What types 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).
Third-party property
Third-party property car insurance is the most basic type of car insurance product which is designed to cover accidental damage that your car causes to another person’s vehicle or property. A third-party property policy generally doesn’t cover repairs for your own car, unless it’s for damage caused by an uninsured driver – and even that’s up to a certain limit.
Third-party property, fire and theft
Third-party property, fire and theft car insurance takes things up a notch by including cover for your car if it’s damaged or becomes a total loss due to theft or fire. Like third-party property cover, it can also help cover your liability for accidental damage or loss caused by your car to another person’s vehicle or property.
Comprehensive
Comprehensive car insurance offers the highest level of cover, meaning it could help cover your car as well as third-party property for accidental damage or loss, regardless of who was at fault. Comprehensive policies can also include features such as new car replacement and the choice of agreed value cover, and optional extras like reduced windscreen excess or personal effects cover.
What do the different types of car insurance in Qld cover?
| Insurance type | Damage to other people’s cars or property | Damage or loss caused by fire or theft | Damage to your own car | Injuries to other people |
|---|---|---|---|---|
| Third-party property | Yes | No | No (except by uninsured drivers) | No |
| Third-party property, fire and theft | Yes | Yes | No (except by uninsured drivers) | No |
| Comprehensive | Yes | Yes | Yes | No |
| Compulsory third-party (CTP) | No | No | No | Yes |
To fully understand what a car insurance policy does and doesn’t cover, read through its Product Disclosure Statement, keeping an eye out for insured events, exclusions and conditions of cover.
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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.
How much does car insurance cost in Qld?
The cost of car insurance in Qld is $1,074 per year on average, according to iSelect customer data . The average comprehensive car insurance annual premium was $1,122. Queenslanders who went with third-party property, fire and theft policies paid an average of $535 per year in premiums, while third-party property policies cost $404 per year on average.
| Type of car insurance | Average annual premium |
|---|---|
| Comprehensive | $1,122 |
| Third-party property, fire and theft | $535 |
| Third-party property | $404 |
Note: These figures reflect indicative costs for car insurance customers in Qld, based on iSelect sales data from 1 June 2025 to 31 May 2026 and rounded where appropriate. Actual costs may vary depending on individual circumstances. Data retrieved June 2026.
Helpful tip
If most of the driving you do is down to the beach or the occasional day trip, you might be overpaying for car insurance. Consider a pay as you drive or low-kilometre comprehensive policy that offers lower premiums if you don’t exceed a certain number of kilometres driven over the policy term, and the best part is that you don’t miss out on the comprehensive benefits.
Adrian Bennett
General Manager for General Insurance
How are my car insurance premiums calculated in Qld?
Your premium costs depend on factors such as your age and gender, the car you drive, your driving experience and history and your policy itself – all of which adds up to your risk level which forms the basis for your premium.
Regardless of where in Australia you live, insurance providers may consider the following general factors when they calculate your car insurance premiums.
Your age and gender
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 higher risk involved, insurers may charge younger drivers or learner drivers with higher premiums. Gender can also play a part, as male drivers are generally considered a higher risk by insurers.
Your car
Cars with higher market values and repair costs can push the needle on premiums, as can those with a boatload of aftermarket parts. On the other hand, cars that have high safety ratings, are easy to repair or are less likely to be stolen can be cheaper to insure.
Your insurance excess
Simply put, your excess is the out-of-pocket cost you agree to pay if you make a car insurance claim. Some insurers allow you to choose your own excess amount – the higher the excess you choose, the lower your annual premium is likely to be.
Your driving and claims history
If your licence is suspended or cancelled because you got too many demerit points, your premium can increase or you’ll be required to pay an additional excess if you make a claim. Some insurance companies also consider your past claims as a risk factor that can raise your premium.
How can I get cheaper car insurance in Qld?
You can try to lower your premium by paying your premium annually, opting for a higher excess or setting driver age restrictions on your policy. You can also get cheaper car insurance by choosing a low-kilometre policy or simply letting your insurer know that you park your car in a safe spot.
Increasing your excess
Opting to pay a higher excess can lower your premium. Looking at a hypothetical scenario, if a standard $600 excess meant you paid a $1,000 premium, then increasing that excess figure could see that premium come down. Of course, actual excess amounts can vary with insurers. And just be sure to choose an excess you’ll be comfortable paying.
Paying your premium annually
Paying your entire premium as a lump sum when you buy or renew your policy can work out around 5%–15% cheaper overall than paying it in monthly instalments.
Getting a low-kilometre policy
A low-kilometre (or drive less, pay less) policy can offer lower premiums without compromising on coverage if you can drive within a kilometre set by your insurer over the policy’s term – which is one year.
Setting driver age restrictions
Restricting your car to older and more experienced drivers helps reassure your insurer that your car is in safer hands, giving them a reason to keep your premium low. For example, some insurers give you the option to set an age restriction of 21, 25, 30, 40 or 50 – with higher age restrictions usually leading to lower premiums.
Parking 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, extreme weather events, theft or vandalism.
How do I get great value out of my car insurance policy in Qld?
Getting real value out of your car insurance policy boils down to ensuring that you’re paying a premium you can afford without sacrificing the cover you want. This could mean reviewing your current policy and comparing it with others in the market before you renew. You can also look for discounts and know the policies inside out so you can make an informed decision about the level of cover you’re getting.
Don’t just renew, review
Review your policy, especially at renewal time, and find out what competitors are offering. Comparing gives you a higher chance of finding a better deal, than not comparing at all.
Get the discount you deserve
Some insurers offer online discounts or rewards for safe driving. So, remember to shop around for discounts before you decide to stay or switch.
Read everything
Check your policy details by reading your product disclosure statement to avoid any surprises at claim time or when you’re comparing your car insurance options.
Don’t forget about coverage
Think about the level of coverage you’ll need. Make sure your policy has you covered for all the necessities – just in case. Remember, price isn’t everything.
Frequently asked questions
Which companies offer car insurance in Qld?
Qld has a broad range of established and emerging car insurance providers, vying for a slice of the state’s roughly 3.3 million registered cars as of 2025.
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 compulsory third-party (CTP) insurance cost in Qld?
CTP insurance cover costs were between $411.80 and $424.80 per year, as at 1 July 2026.
Qld’s CTP insurance premiums are regulated by the Motor Accident Insurance Commission, which helps ensure that costs stay reasonable. However, your premium might differ slightly depending on the type of vehicle you own.
The average cost of a CTP insurance claim is around $100,000, with some claims even ending up in the millions. With stakes this high, the cost of CTP insurance seems pretty reasonable!
Is it worth protecting my car against theft in Qld?
In 2025, Qld saw over 19,000 cases of motor vehicles being used for unlawful purposes, according to the Queensland Police. That’s when a person uses a motor vehicle without the owner’s consent, or with the intention to steal the vehicle.
In these instances, third-party fire and theft insurance or comprehensive cover would’ve been worth having, as these policies typically count vehicle theft as an insured event.
What kind of optional extras can I get with my car insurance?
Your car insurance policy can come with optional extras that may let you choose your repairer, provide you with a rental car after an accident or offer a lower excess for windscreen-only damage. Keep in mind that optional extras can vary by insurer, come at an extra cost and are only available with comprehensive car insurance.
- Choice of repairer: If you have a preferred repairer that’s outside of your insurer’s repairer network, some policies let you nominate your repairer so the cost of repairs can be covered.
- 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: Some policies offer the option of paying a reduced excess or no excess to repair or replace damaged windscreens or windows instead of paying the basic excess, which could be higher than repairing or replacing the windscreen or window.
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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.