Save up to $50
when you buy Car
Insurance online. *

Get a quote Retrieve your quote

Insure your car with us and join New Zealand’s most satisfied car insurance customers. We’ve been helping Kiwis with their insurance for over 100 years, so you can rely on State to keep you moving.

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Benefits of our award-winning Car Comprehensive policy


Online Discount

Buy your comprehensive car insurance online and save $50 on your first year’s premium.*


Guaranteed work by Approved Repairers

All work done by our Approved Repairers is quality guaranteed.** We’ve got claims specialists and repairers across the country to get you moving again.


Transport home for you and your passengers

We'll reimburse you the reasonable costs to get you, and your passengers home, if your car is damaged in an accident and cannot be safely driven, or if it is stolen.


Child car seat protection

We'll replace your child seat or baby capsule if it is damaged or compromised during a car accident involving your vehicle.***


Earn 1 Flybuys for every $25 spent

We’re the only general insurer to offer Flybuys. Automatically earn 1 Flybuys for every $25 of premium you pay. Just add your Flybuys number to your account and watch your points grow.


Cover for additional drivers over 25 at no extra cost

Unless your policy states otherwise, over 25 year olds with valid drivers licences and your permission, are covered to drive at no extra cost.^


Optional extras, like Roadside Rescue from $30 a year

With our Car Comprehensive policy, you can choose to add a range of optional extras to your cover. Like State Roadside Rescue - get three breakdown call-outs for you or anyone who is driving your car from $30 per year.

Compare our three levels of cover

Online discount*
Save $50
Save $25
Save $10
Theft or illegal conversion
Fire damage
Accidental loss or damage to your car
(for fire, theft, attempted theft and some natural
disaster perils+)
Protection against uninsured drivers
(covered under 'accidental loss to your car')
(up to $3,000)
(up to $3,000)
Up to $20 million in legal liability cover for damage and injury you cause
Guarantee on all repairs by our preferred suppliers
Transport home for you and your passengers
Towing expenses
Up to $300 towards replacing keys or locks per year

Optional cover

These smart extras can be added to your policy when you purchase your cover

Roadside Rescue
No excess Windscreen and Glass Cover
Hire Car

Additional benefits

  • save with State

    Save with State

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

    How to save
  • do it online

    Do it online

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

    My State online account
  • lodge your claim online

    Online car claims

    Log into My State and lodge your claim online.

    Make a claim
  • earn Flybuys points


    State is the only general insurance company that offers Flybuys. Earn Flybuys on every policy with us. Flybuys Ts&Cs apply.

    Earn Flybuys

You’re in safe hands with us

fair insurance code
Committed to treating you fairly

We adhere to the Fair Insurance Code, giving you peace of mind that we’re focussed on what’s best for our customers.

AA rating
Very strong claims paying ability

We’ve got an AA- financial strength rating, which is your reassurance we’ve got a “very strong” claims paying ability and will be there for you should you need us.

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 (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 Flybuys points on my State policies?

You can collect Flybuys points if you’re a Flybuys member and have given us your Flybuys 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, by direct debit 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.

* Discounts apply to the company premium before optional extensions, levies and GST are factored in. If you get two or more discounts, we may choose to apply each discount one after another.

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.

** Approved repairer work is quality guaranteed while you own the car and it is insured with State.

*** Applies to full cover, third party, fire & theft and third party only cover. To qualify for a replacement child’s car seat, we must accept a claim for damage to a car insured with State. We will pay the reasonable cost to replace the item if;
- There is loss or damage to the child car seat or baby capsule in or on the insured car.
- In our opinion the safety of a child car seat or baby capsule in or on the insured car is compromised.

^ Applicable unless that person is specifically stated to be excluded or if policy has been endorsed to cover named drivers only in the Policy Schedule. There may be times when you are not covered. See page 10 of the Policy wording: ‘What is not covered by this policy’ and the Policy Schedule.

+ Our policy’s definition of natural disaster follows the Earthquake Commission Act 1993 definition but is limited to earthquake, natural landslip, volcanic eruption, hydrothermal activity, tsunami or natural disaster fire. Flood and storms are excluded.

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