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10 Best Car Insurance Melbourne Has To Offer [2024]

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Car Insurance Melbourne

Best Car Insurance Melbourne
Best Car Insurance Melbourne

If you’ve ever been in a car accident, you know how stressful and time-consuming the aftermath can be. You won’t have to deal with other motorists or property owners involved in the collision if you have the proper coverage. You are also relieved of the stress of dealing with automobile repair costs. A decent vehicle insurance policy may help you handle many of these problems. This is why you should be aware of the car insurance Melbourne has to offer.

1. Stella Insurance

Key ServicesCover for $2,000 in baby equipment, Domestic violence damages cover, No-claim excess reward up to $300
AddressLevel 15, 50 Pitt Street Sydney, NSW, Australia 2000
Phone1300 633 811
Operating Hours9AM – 5:30PM Mondays – Fridays

Stella Insurance is a female-first, mission-driven company founded by women for women. They are aiming to balance the gender bias in not only insurance, but life in general, by creating a community through their platforms to educate, encourage, and empower females. Stella collaborates with like-minded individuals and organizations to effect tangible and progressive change for Australian women. They were tired of seeing insurers and insurance products that did not speak to women in any way. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Female-first
  • Mission-driven
  • Community-focused

Customer Testimonial:

“My previous car insurance company required plenty of jumping through hoops, including uploading extensive photos of my car. In contrast, reinsuring with Stella was a breeze! It was quick, affordable and efficient.”

Alistair McLellan

2. Budget Direct

Key Services15% buy-online discount, New-for-old replacement (see conditions below), Not-at-fault rental car cover
AddressBrisbane, QLD, Australia
Phone+61 7 3465 1755

Since 2000, Budget Direct has helped more than 3 million Australians resolve insurance issues. They’re competing with older, larger insurers in Australia by offering excellent protection at an unbeatable price. Because to their commitment to quality and innovation, you can get the coverage you want at a price that is reasonable, with all of the features you’d expect – and much more. With over 1,300 employees and hundreds of auto repair shops across the country, they provide comprehensive vehicle coverage at an affordable rate. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Dedication to quality
  • Affordable prices
  • Extensive coverage

Customer Testimonial:

“Process was easy to navigate and the price was competitive to others companies. Very happy with the insurance policy.”


3. Huddle Car Insurance

Key ServicesPay-per-km policy option, New-for-old car replacement (under 2 years old), 24/7 online claims lodgement
Phone1800 931 678

They’ve been huddling together since the beginning of time, covering each other’s costs when something goes wrong. However, things started to get difficult. Jargon, fine print, and a lot of phone conversations As it turned out, Huddle had changed all that. They developed a simple and easy-to-understand insurance plan backed up with cutting-edge technology to make it even more effective. And they never lost sight of the fundamental notion: they’re better off as a group. In 2016, Australian consumers were able to purchase their services for the first time. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Straightforward insurance
  • Innovative technology
  • Customer-centric

Customer Testimonial:

“I found it very easy to re-insure my comprehensive car policy with Huddle. It was a simple affair and I will re-insure my car net year with Huddle”

Juanita Christian

4. Woolworths Insurance

Key ServicesDrive Less, Pay Less policy option, 15% buy-online discount, New-for-old cover (under 2 years)
Phone 1300 10 1234
Operating Hours8AM – 8PM Mondays – Fridays; 9AM – 5PM Saturdays – Sundays

Woolworths Car Insurance provides exceptional value for money, with a wide range of protection alternatives to fit your needs. Get an online quotation now to see how much you might save. If you’re 25 or older and buy your policy online, they’ll match any prior Comprehensive renewal notification. Drive Less Pay Less may save eligible drivers up to $235 when they drive less frequently. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Value for money
  • Comprehensive coverage
  • Discounts for online purchases

Customer Testimonial:

“I have always been a customer of Woolworths and then when I decided to buy a car, I found that they have good competitive deals, which impressed me. I like their customer service.”


5. Youi Car Insurance

Key ServicesEmergency roadside assistance included, New-for-old-car replacement (within 2 years), $1,000 emergency repairs and accommodation
Address2 Smart Drive, Sippy Downs, Queensland
Phone+61 7 3719 4800

Youi knows that auto insurance can be a pain at times. As a result, they’ve made things easier for you by providing the peace of mind you deserve. They are dedicated to making it simple for you to renew your policy, contact us, or combine coverage with their special offers and savings. They believe that every claim, regardless of severity, should receive equal attention and assistance. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Simplified process
  • Committed to customer service
  • Specials and savings

Customer Testimonial:

“Since joining Youi it’s been a fantastic insurance company. Especially when it comes to renewals. A shout out to Grace in particular – sensational sales rep on the phone. Very professional and had the answers to all my questions, and saved me nearly 300 on my new policy for 2022. One very happy customer here.”

Luke Hulands

6. Koba Insurance

Key ServicesVariable pay-per-km pricing with in-car monitoring, new car replacement (under 2 years old and 40,000km driven), $500 emergency repairs
AddressLevel 14, 839 Collins Street, Docklands Melbourne, VIC, Australia 3008
Phone+61 3 6159 2000
Operating Hours9AM – 5PM Mondays – Fridays

KOBA fully underwrites, a leading Australian general insurance provider with over 20 years of expertise. KOBA, a member of both Insurtech Australia and Fintech Australia, enables you to access real-time data-driven whole vehicle insurance at a fraction of the cost. The more you minimize your driving, the more money you will save. They are an energetic young company that is revolutionizing automobile insurance. Many insurance companies use aggregated data models to categorize drivers. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Pay As You Drive- The less you drive, the more you save
  • Personalized Pricing- They don’t use aggregated data models
  • Real-Time Data Usage- Get comprehensive coverage in real-time

Customer Testimonial:

“I never imagined getting so much profits within a short period of time , it happened surprisingly I got it , this is huge for me and super happy and excited for this win”

Olumuyiwa Olusesi

7. Shannons Insurance

Key ServicesUp to 65% no claims discount, Hire car after theft and not-at-fault accidents, Excess-free windscreen repair (one claim per policy period)
AddressLevel 23, 80 Ann Street, Brisbane Queensland 4000
Phone+61 134646
Operating Hours8AM – 9PM Daily

Shannons Insurance is Australia’s most well-known car insurance firm, and Shannons Auctions is the country’s largest auction house for veteran, vintage, classic, sports, and customized automobiles as well as classic motorbikes, motoring memorabilia, and numerical number plates. Shannons insurance solutions are designed to meet the needs of automobile enthusiasts, including limited use and club plate protection, laid up coverage for restorations, daily driving insurance premiums with extended cover for your home and belongings. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Limited use and club plate protection
  • Laid up cover for restorations
  • Insurance for daily drives
  • House and possessions cover

Customer Testimonial:

“Always had great phone experience with Shannons but made an online claim after minor collision when somebody rubbed past my car moving into a turn lane. Process very easy and immediately assessed as not using my excess.”

Andy T.

8. GIO Comprehensive Insurance

Key Services10% discount of you purchase a comprehensive policy online, Hire car after a no-fault accident (for unlimited days), New-for-old car replacement (under 2 years old)
AddressLevel 23, 80 Ann Street, Brisbane QLD 4000
Operating Hours8AM – 7PM Daily

GIO has been providing clients with dependable insurance coverage for over 80 years. Since 1927, they’ve helped millions of people feel more secure as they face the uncertainties of life. Their network unites financial services and products from GIO, Suncorp, AAMI, APIA, and Shannons in one location, providing better service and value for you. Access to Suncorp banking solutions, for example, may assist you in maintaining a budget. You may also participate in workshops and seminars to learn from industry experts about everything from finance to company growth. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Generations of experience
  • One stop for all your needs
  • Online claims

Customer Testimonial:

“Stunningly simple procedure compared with others in my research. I didn’t think it could be this simple.”


9. ROLLiN’ Insurance

Key ServicesMonthly premiums available at no extra cost, $0 excess for windscreen cover, Simplified excess
Phone1300 116 257

Auto insurance coverage from Geico is provided by the company as a whole, rather than by an auto insurer or network. They have one comprehensive automobile insurance policy that’s tailored to their clients. That’s all there is to it. They provide a monthly contract that you may modify at any time online. Because they run a digital company, they are able on keeping costs low, allowing us to keep rates low for them. Other insurers might charge an extra $2500 excess just because you are a young driver. They are not in fact doing so. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Single comprehensive automobile coverage
  • Low costs
  • No additional excess for young drivers

Customer Testimonial:

“Easy to sign up, and so far the cheapest after comparing to multiple insurers”

Donovan Ho

10. Virgin Money

Key Services15% buy online discount (for the first year’s premium), Up to 15% no claims discount, Automatic hire car cover after theft or not-at-fault accident
Phone1800 887 707
Operating Hours8AM – 10:30PM Mondays – Fridays; 8AM – 5PM Saturdays

Virgin Money understands that everyone, and every automobile, is unique in their own way. As a result, their extensive coverage protects you and your vehicle against life’s speed bumps. Third Party Property Insurance covers you for damage to other people’s property caused by your automobile, as well as limited insurance for the car if it is damaged in a no-fault collision with an uninsured vehicle. Your automobile is also protected if it is stolen or burns down with Third Party Fire & Theft Insurance. Protect your vehicle in your own unique style. – by personalizing the cover. As a result, they offer one of the top car insurance Melbourne has to offer.

Key Differentiators:

  • Extensive coverage
  • Third Party Property Insurance
  • Third Party Fire & Theft Insurance
  • Customizable cover

Customer Testimonial:

“Great insurance company. No complaints. No long customer service lines”


Car Insurance Melbourne

Overall, the benefits of automobile insurance greatly outweigh the risks, because you may wind up needing to pay thousands of dollars out of pocket if you cause an accident. Examine your insurance closely to see what kind of coverage you have and whether it’s sufficient. More coverage is usually preferable to less protection. We hope this information assists you in locating the best car insurance Melbourne has to offer.

If you’re looking for more recommendations, you can check out our other posts below:

Rachel Tan - FunEmpire

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Rachel Tan is the editor at FunEmpire Media Australia. She has over 8 years of experience in the media industry discovering the best local businesses, places and things to do in Australia. From lifestyle, entertainment, food, travel, education and more, Rachel is a trusted source to curate the very best Australia has to offer.