Car Insurance

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Save up to $50 when you buy online.*T&Cs apply

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*Discounts apply to the base premium amount (or the net base premium after deduction of any other discount(s)) and do not apply to government levies, GST or optional extensions.

Save $50 on comprehensive, $25 on third party, fire and theft, or $10 on third party only car insurance online. Discount applies to first year’s premium. The offer may change or end at any time.

Terms and conditions apply.

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Online discount
Save $50
Save $25
Save $10
Multi-policy discount
Accidental loss or damage to your car
(for fire, theft, attempted theft or natural disaster only)
Damage to someone else's vehicle or property
Legal liability protection for damage and injury you cause up to $20 million
Guarantee on most repairs by our approved repairer network
Damage to your car caused by uninsured drivers
(up to $3,000)
(up to $3,000)
Towing expenses
Transport expenses
Up to $300 towards replacing keys and locks
Optional Covers
Roadside Rescue
Windscreen and Glass Cover (excess buy-out)
Car Hire

Add-ons for State car cover

For a small cost, you can add these extras to your State Car policy.

Roadside rescue

For just $30 extra each year, you’ll get up to two free Roadside Rescue call-outs over 12 months. No matter who’s driving your car, 24/7 help is just a phone call away. Available with all State car policies.

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Windscreen glass cover

For a small extra cost, we’ll waive your excess for windscreen and glass claims (windows, sun-roofs or driving lights). Available with all State car policies.


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Hire car

We’ll provide a hire car and if we’re unable to arrange this, we’ll pay $50 a day, for up to 14 days while your car's being repaired or if it has been stolen. Available with State Comprehensive Car Insurance only.

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Additional benefits

  • Save with State

    Insure your car and contents with us and save with our Multi-Policy Discount.

    Find out more

  • Do it online

    Get a quote and buy, lodge a claim or manage your insurance online with My State, your online account.

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  • Simple online car claims

    Log into My State and lodge an online claim if you have a car accident.


    Make a claim
  • Fly Buys

    State is the only general insurance company that hands out Fly Buys points. Collect Fly Buys on every policy with us. Fly Buys T&Cs apply.

    Find out more

Already with State?

With our State app you can login to view your policy details, make a claim or pay your renewal. Plus, use Crash Notes on the app to keep track of all your accident information.

Download for free

State app for car insurance State app for car insurance

Questions? We’ve got you covered

Can I change my excess?

Yes, you can adjust your policy excess where this option is available.

Please note, however, that most car policies have fixed excesses. To find out whether your excess can be adjusted, please email us.

What payment options do you offer?
  • Annually by invoice (cheque, bill payment or credit card)
  • Monthly direct debit payments from your bank account
  • Monthly direct debits from your credit card
  • Fortnightly direct debit payment from your bank account
  • Fortnightly direct debits from your credit card
Do I get Fly Buys points on my State policies?

You can collect Fly Buys points if you’re a Fly Buys member and have given us your Fly Buys number.

How do I make a claim?

If you need to make a claim on your personal motor vehicle, home or contents policies, you can do this online. For all other policy types, please call us on 0800 80 24 24.

How can I pay my premiums?

You can pay your premiums online, as a bill payment by phone or internet, by credit card over the phone, but direct debit, by cheque, or in person at your nearest New Zealand Post. View full answer

Do I get a discount if I have an existing car policy (i.e. now have two cars)?

To be eligible for our multi-policy discount, you’ll need to have your contents insured with State plus one other qualifying policy. We’ll apply this discount to every policy that qualifies for it. View full answer

If I have car insurance with State, am I covered for windscreen damage?

Cover for windscreen damage can be added to all car policies, including, comprehensive, third party, fire and theft and third party only policies. When you add the windscreen extension cover to your policy, you can claim for any accidental damage to your windscreen, windows, sunroof, and driving lights without having to pay an excess.

Do I have to list everyone who drives my vehicle?

We recommend that you name any driver who’s under 25, or is likely to drive your vehicle on a regular basis. In the event of an accident, young drivers who aren’t named on your policy will pay a higher excess than those who are. View full answer

Looking for something else? Visit our Help Centre.

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