Car Insurance Comparison

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

Which car insurance is right for you?

We get you’re busy. Who has time to compare car insurance? Not you. But we do. So we’ve put together a side-by-side comparison table of our car cover to save you time and make your choice easier.

When choosing cover, you’ll be looking for protection that’s affordable and well-suited to your needs. That’s why we offer three different options, which can be tailored by adding optional cover benefits. Here they are, lined up side-by-side, so you can choose the best car insurance for you.

Compare our car insurance options

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

Compare, then choose the car cover that is right for you.

*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.

Add-ons for State car insurance

Roadside rescue

With any State car insurance policy, if you choose to add Roadside Rescue, you get three call-outs a year for $30 bucks (that’s less than a dollar a week). We'll help rescue your car - any time, for any driver.

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Windscreen glass cover

With any State car insurance policy, pay a little more and get excess free windscreen, windows, sun-roof and driving lights claims.

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Hire car

With State Car Comprehensive cover, you can choose to add our hire car optional cover. You’ll get a hire vehicle for up to 14 days while yours is being repaired or if it's stolen. If we can't get you a hire car, we'll give you $50 a day for that period.

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Why choose State?

  • Save with State

    Cover your car and contents with us and get our Multi-policy discount.

    Find out more

  • Do it online

    Manage and track your insurance on the go with your My State online account. Update your details. Make a claim. Pay a bill. Check your policy docs. All at the click of a button.

    Find out more
  • Simple online car claims

    No need to call up. If you have an accident, lodge your claim through your My State online account.

    Make a claim
  • Fly Buys

    Get Fly Buys points with every State policy. Pssst, we’re the only general insurer giving them away.

    Find out more

No need to queue. Get covered online in 5 mins. Yup. Just 5 mins.

Provide the details of your wheels and consider the extras you might need, and we’ll get back to you with how much it’ll cost to get covered. Then, if you like what you see, buy your policy.

Get started.

That easy. Toot. Toot.

Helping you compare car insurance options - Glossary of Terms


The car insurance policy that covers a range of situations where accidental damage might happen. You can choose to add optional extras to this policy.


When making a claim, the excess is the amount you have to contribute towards the repair or replacement. Then State provides the rest. Your excess amount is outlined within your policy documents.


Situations, events or items that aren’t covered by the insurance policy, and therefore cannot be claimed for. You can find a list of exclusions in your policy documents.

Market value

Is the value of your car at the time just before the loss has occurred. We decide upon this amount by comparing the cost of vehicles with the same specifications; make, model, year and condition at the time of the accident.


A fee that’s charged fortnightly, monthly, or yearly to pay for your insurance cover. It is calculated by considering your individual information and on a case-by-case basis.

Third Party, Fire and Theft

A car insurance policy that covers your vehicle in the event of a fire, theft, or natural disaster. It also covers accidental damage to someone else’s vehicle or property. You can choose to add optional extras to this policy.

Third Party Only

A third party is someone other than yourself who is involved in an accident you’ve been a part of. This car insurance policy covers accidental damage to a third-party’s vehicle or property but not for the damage to your own car. You can choose to add optional extras to this policy.

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Our phone lines are much busier than usual, so there may be a long wait.

Did you know you can pay, claim, cancel, and more online? View all online options.

Alternatively, talk to Sam, our Chatbot, who can help with simple insurance questions.