Cheapest Insurers in Queensland
Choice's 2026 analysis has AAMI leading Queensland by a wide margin with a 90% price score. APIA ranks second (84%), while Bingle and Suncorp tie for third (82% each). Average comprehensive quotes in Queensland span roughly $1,067 to $1,381 — among the more affordable major states.
Queensland's CTP System
Queensland bundles CTP with your vehicle registration, but unlike Victoria's single state-run scheme, Queensland allows a choice of government-regulated CTP insurers at the point of registration — pricing has limited variation between them, but it's still worth checking which insurer you're currently with.
RACQ and Local Options
RACQ, Queensland's motoring club, is a well-established local option worth comparing alongside AAMI, Suncorp and the digital-only insurers — particularly since some Queensland-specific weather risks (like hail and flood in certain regions) mean local claims experience can matter when choosing a provider.
Regional Queensland Considerations
Queensland's geographic spread means regional and North Queensland drivers can face different risk pricing (cyclone and flood exposure) than South-East Queensland metro drivers — always get a quote specific to your actual postcode rather than assuming a state-wide average applies to you.
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.