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Edited by

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Updated 16/01/2024
What changed?
Reviewed by Toby Hagon and expert tip added.
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Fact checked
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.
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Written by

Francis Taylor

Updated 16/01/2024

What changed?

Reviewed by Toby Hagon and expert tip added.
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Edited by

Laura Crowden

Reviewed by

Toby Hagon

Find out more about how we make money.

View our Privacy Policy.

iSelect does not compare all providers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers. Learn more.

Car Insurance South Australia

If you own a car in South Australia, you might be wondering if you’re currently getting a good deal on car insurance. And you’ve come to the right place. Let’s take a look at how car insurance works in SA.

What different types of Car Insurance are available in South Australia?

Compulsory Third Party Insurance (CTP)

CTP is mandatory insurance for every driver in Australia and in SA it’s paid at the same time as your car registration. SA’s CTP insurance is designed to protect you against the liability of causing injury or death to another road user, whilst also providing support to those who’ve been injured in a road accident.  

CTP insurance does not provide cover for property damage.

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Third Party Property Damage (TPP)

If you have an at-fault accident, let’s say you rear-ended your neighbour’s new Ferrari, Third Party Property Insurance could help cover the damage to your neighbour’s new Ferrari. Sadly, it doesn’t cover the damage to your own car or property. So if you take out this type of insurance, you’ll have to pay for your repairs out-of-pocket.

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Third Party Fire and Theft (TPF&T)

Third Party Fire and Theft Insurance covers third party property damage like in TPP, but on top of that, it also helps cover damage to your car caused by fire or theft. However it’s important to remember, this cover still doesn’t cover damage caused to your car in an at-fault accident.

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Comprehensive

The top cover available in SA is Comprehensive Car Insurance. Whether an accident is your fault or not, a Comprehensive policy will help cover damage to other people’s property and vehicles, as well as your own. Depending on your provider and the policy you choose, it might also cover other events like hail or storm damage. On top of this, you can often add on additional options which could include things like personal effects cover and roadside assistance 

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A breakdown of typical inclusions in each policy

Car Insurance typeDamage to your carDamage to another person’s car or propertyDamage or loss caused by theftInjuries or death to others in an accident
CTPNoNoNoYes
Third Party propertyNoYesNoNo (but covered by CTP)
Third Party Fire and TheftNoYesYesNo (but covered by CTP)
ComprehensiveYesYesYesNo (but covered by CTP)

Helpful Tip:

Most policies are a little bit different when it comes to how much cover they provide and what kinds of things they cover. You’ll always want to check the policy’s Product Disclosure Statement to find out exactly what you’re getting—and what’s excluded!—before committing to anything.

Toby Hagon

Motoring Journalist

How much does Car Insurance cost in South Australia?

To answer this question, use our interactive chart to check out the average cost of comprehensive Car Insurance premiums for iSelect customers across Australia to see how South Australia compares.

How users rated our service

Car Insurance in South Australia: your frequently asked questions 

Do I need Car Insurance in South Australia if CTP insurance is included in my registration?

Are there many car crashes in South Australia?

Does South Australia have a high rate of car thefts?

Which cars get stolen the most in South Australia?

What are some things to consider when looking at Comprehensive Car Insurance in South Australia?

How can I get the cheapest premiums possible for my Car Insurance?

How do I compare Car Insurance in South Australia?

iSelect does not compare all car insurers or policies in the market. The availability of policies may change from time to time. Not all policies available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. Some policies are available only from iSelect’s call centre or website. 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.

iSelect General Pty Limited ABN 90 131 798 126, AFS Licence Number: 334115. 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.