✍️ PeaceCover Editorial Team 📅 September 2026 ⏱️ 8 min read
📌 Key Takeaway: AAMI leads on all-round value across driver types, Bingle wins on price with a fully digital model, ROLLiN' stands out for its unique rolling monthly policy, and Budget Direct offers the strongest new-customer discount.

Top-Rated Car Insurers in 2026

Canstar's 2026 ratings evaluated more than 30 comprehensive insurers on price and features. Here's how the standout providers compare.

AAMI

AAMI pairs competitive premiums across a wide range of driver types with strong standard features: hire car cover for up to 21 days following theft, and new car replacement with no kilometre limit for vehicles under two years old. A solid all-rounder for most drivers.

Bingle

Bingle is a digital-only insurer offering essential protections at competitive prices, with customisable add-ons. It includes new car replacement for vehicles under three years old and unlimited no-excess windscreen cover — a genuine standout, since windscreen claims are common and usually come with an excess elsewhere.

ROLLiN' Insurance

ROLLiN' uses a unique monthly rolling policy structure where your premium and car valuation update automatically each month. It includes new car replacement for vehicles with under 15,000km, covers EV batteries and charging equipment, and charges no additional excess for drivers under 25 — a meaningful saving for younger drivers on a household policy.

Budget Direct

Budget Direct's Gold Comprehensive policy comes with a 15% discount on first-year premiums when purchased online, plus 24/7 phone and online claims support — a strong pick if price on day one matters most.

Youi

Youi offers customisable coverage with 24/7 claims lodging through personal advisors rather than a call centre queue, emphasising a more personalised experience over the cheapest possible price.

How to Actually Compare

  • Compare the excess, not just the premium — a cheaper policy with a high excess can cost more when you actually claim
  • Check what's included as standard vs. a paid add-on (hire car, windscreen, roadside assistance)
  • Confirm whether the quote is 'agreed value' or 'market value' — agreed value protects you from a lowball payout after a total loss
  • Read the Product Disclosure Statement (PDS) for exclusions before buying, not after

This page is for educational purposes and isn't personalised financial advice. Premiums, terms and eligibility vary by insurer, state and individual circumstances — always check the Product Disclosure Statement (PDS) before buying.