From Comprehensive with all the cover, to Third party, fire & theft, to no-frills Third party only. Pick the cover that suits your car and your wallet.
Someone swiped your car? With Comprehensive cover, if it’s written-off or stolen, you’ll get what you insured it for (minus any applicable excess) with an agreed value policy. No surprises at claim time.
Add State Roadside Rescue to your car policy for just $39 a year and get five callouts each year for anyone driving your car. No more roadside panics. Extra callouts $50 each. T&Cs apply.
This information is intended as a guide only. Exclusions and limitations apply. Talk to us about these or refer to the full policy wording.
Win-win for us. Good choice for you.
We’re Canstar’s 2024 and 2025 Car Insurer of the Year and Outstanding Value – Car Insurance Award winner.
Drivers under 25 get the same great cover benefits as everyone else. See them side by side.
This is a summary only. For a full list of the benefits, exclusions and other terms, read the policy wording.
Our NZ car insurance policies are written in plain language, making them easier for you to read, understand, compare, and act on.
Note: If you’re already insured with us, you may have a different policy wording to the one outlined above. Check your details and find your policy on our policy documents page.
Highly commended in the New Zealand, General Insurer of the Year category for 13 years in a row.
Committed to treating you fairly. Proudly displaying our Fair Insurance Code credentials.
Our AA Financial strength rating means we have a very strong claims-paying ability.
New driver insurance can cost more while you’re building your experience behind the wheel and a driving history with your insurer. Drivers under 25 usually pay a higher excess and more for their cover early on, but this can come down over time the longer you’ve been driving without claiming.
The good news? State has shrunk our standard car insurance excesses to $300 for all drivers, even under 25s. We also got rid of additional and unlisted driver excesses. Low excess car insurance for the win.
Anyone with your permission can drive your car. But if they’re under 25, they won’t be covered unless you’ve chosen under-25 cover for an added cost to your premium. If you have under-25 cover, you can also list specific drivers under 25 on your policy. This is handy if they drive your car often. You can add a driver in the State app or by calling us on 0800 80 24 24.
1Standard car excess refers to a publicly available default vehicle excess that direct insurers use to provide an initial quote. This excludes excesses negotiated with or provided by third parties who are not direct insurers, such as brokers. It would apply to any claims, except where excess is waived. The lowered excesses apply to new State car policies quoted on or after 17 May 2026. Existing State car policies will have them applied automatically from the next renewal on or after 27 June 2026.
2Promotion ends 11.59pm 30 September 2026. Applies to new Comprehensive car policies bought online only. T&Cs apply. Card issued by Oxygen Global NZ Limited. Learn how to activate and spend your digital Visa card.
