Car Insurance South Australia

Compare car insurance in South Australia with Savvy, whether you’re in Adelaide or Port Augusta.

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, updated on June 23rd, 2023       

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Car Insurance Banner

Whether you're residing in the vibrant heart of Adelaide or further south in Mount Gambier or Victor Harbor, having the right car insurance is essential, no matter where you are in South Australia. With various risks on the roads and beyond, it's crucial to compare your insurance options to help you find the right cover for your vehicle.

At Savvy, we've got you covered. Our 100% free online comparison service allows you to compare car insurance quotes from top insurers nationwide in a matter of minutes. Take the first step towards securing your coverage today by taking out a no-obligation quote from us.

What coverage options are available for car insurance in South Australia?

It’s important to be across the different types of car insurance available in South Australia before you buy. These include:

  • Comprehensive: this type of cover can include protection for damage to your vehicle caused by accidents, collision, theft, vandalism, fire and extreme weather (in some cases), as well as damage to third-party vehicles and property. This is the highest level of cover you can take out and is generally the most expensive as a result.
  • Third party fire and theft (TPFT): this option can provide coverage for theft and fire damage to your vehicle, as well as damage caused to other people's vehicles or property.
  • Third party property damage (TPPD): this is the most basic optional coverage available, which can protect you against damage caused to other people's vehicles or property but not to your own vehicle.
  • Compulsory third party (CTP): CTP insurance is mandatory in South Australia and can cover personal injury or death caused to others in an accident where you’re at fault. It doesn’t offer any cover for damage to vehicles or property. CTP insurance is regulated by the CTP Insurance Regulator and is available through approved insurers.
Claimable event Comp. TPFT TPPD CTP
Damage to someone else’s property
Damage to your car due to fire
Damage to your car due to theft
Damage to your car due to weather
✓*
Damage to your car due to accident or collision
Injury or death of someone else in an at-fault accident

*Not all weather-related incidents are covered under a comprehensive car insurance policy. Check your PDS to find out what's covered and what isn't.

When buying car insurance, carefully consider your requirements and the risks you want to be protected against, as well as how much you can afford to pay for coverage. Savvy allows you to compare multiple offers conveniently. Fill out an online quote form with your details, such as where you live, your vehicle and desired coverage type to review and compare offers in one place before making a decision.

What factors affect the cost of car insurance in South Australia?

The cost of car insurance in South Australia can be influenced by several factors, including:

  • Your age and driving experience: younger and less experienced drivers generally face higher premiums due to their higher risk profile in contrast to older drivers, such as those over 50 with a long-standing licence.
  • Your gender: car insurance for women typically costs less than it does for men, as they’re considered less likely to be involved in an accident on the road.
  • Your driving record: your history on the road, including past accidents and driving offences, can impact your insurance premium. A clean driving record typically results in lower premiums. This also extends to claims, with insurers generally rewarding those with fewer claims with lower premiums.
  • Your vehicle's model, age and condition: expensive or high-performance vehicles may have higher insurance costs due to the greater cost of repairs or replacement. Additionally, older vehicles or those in poor condition may also attract higher premiums if they’re deemed a greater risk of attracting a claim.
  • Vehicle usage: The distance you drive annually and whether you use your car for personal or business purposes can affect premiums. More frequent usage and utilising it for your business may result in higher costs than for someone who catches public transport to and from work every day.
  • Your city, town, and suburb: the location where you live can influence premiums. Areas with higher rates of accidents or vehicle theft may have higher insurance costs. This means you may not pay the same if you live in the Adelaide CBD as someone out in Coober Pedy.
  • Parking arrangements: how you park your car, such as whether it's in a secure garage or on the street, can impact premiums. Cars parked in secure locations may attract lower premiums than those parked on the street.
  • Policy excess: the excess amount you choose can affect your premium. A higher excess may result in lower premiums, but you'll need to pay more out of pocket in the event of a claim.

Additionally, whether you choose comprehensive or third party insurance will have a clear impact on the cost of your premium, with comprehensive being the most expensive and TPPD the cheapest. Keep in mind that insurance providers may weigh these factors differently, so it's important to compare quotes to find the best coverage and premiums that suit your specific situation.

What car insurance requirements are present in South Australia?

The requirement for car insurance in South Australia is:

  • All registered vehicles in South Australia must have CTP insurance. As mentioned, this insurance can provide coverage for personal injury or death caused by your vehicle to other people, including drivers, passengers, pedestrians, or cyclists.

Comprehensive and third-party car insurance aren’t legally required in South Australia. However, you may decide that having one of these optional policies is worthwhile due to the additional protection and financial security it can provide you, knowing you won’t have to pay 100% out of pocket in the event of an accident which is included in your policy’s coverage (such as if your vehicle is written off).

When deciding on the most suitable coverage for you, it's important to consider your individual needs, budget and the value of your vehicle. This assessment will help you boost your chances of choosing a policy that meets your requirements and provides adequate coverage.

Why compare car insurance in South Australia with Savvy?

Types of car insurance you can choose from

Top tips for comparing car insurance in South Australia

Evaluate your coverage needs

Before comparing car insurance options in South Australia, assess your specific coverage needs. Consider factors such as the value of your vehicle, your driving habits and potential risks. This will help you determine the level of coverage required and narrow down your options accordingly.

Compare premium rates

When comparing car insurance, pay attention to the cost of premiums offered by different insurers. While affordability is important, ensure that the coverage provided aligns with your needs. Strike a balance between cost and coverage to help you find an insurance policy that offers good value for money.

Review policy inclusions and exclusions

Carefully examine the inclusions and exclusions of each car insurance policy. Look for any specific restrictions, limitations or additional benefits provided by each insurer. Understand what’s covered and what isn’t to make an informed decision about the suitability of a policy for your requirements.

Compare policies with Savvy

Taking the time to fill out a quote form and compare policies in one place is a highly effective way to consider your options. You can do just that with Savvy, as we’re partnered with leading insurers from around Australia to help you find the best possible car insurance deal for your needs before you know it.

Common questions about car insurance in South Australia

How can I lower my car insurance premiums?

There are several ways to potentially lower your car insurance premium in South Australia:

  • Increase your excess: opting for a higher excess amount can often result in lower premiums.
  • Install security features: adding security devices like alarms or immobilisers to your vehicle may qualify you for discounts.
  • Maintain a good driving record: avoiding accidents, traffic offences and repeated claims can help keep your premium costs down.
  • Bundle policies: consider bundling your car insurance with other policies, such as home insurance, to potentially receive multi-policy discounts.
Does car insurance cover flood damage in South Australia?

Comprehensive car insurance policies may provide coverage for flood damage in South Australia, subject to the terms and conditions of your specific policy. It’s important to review your policy documents or contact your insurance provider to confirm the extent of coverage and any exclusions related to flood damage.

What is a no-claim bonus and how does it work?

A no-claim bonus is a discount offered by insurance providers as a reward for not making any claims for an extended period. It’s a way to incentivise safe driving and can lead to significant premium reductions over time. The longer you go without making a claim, the higher your no-claim bonus percentage becomes, resulting in lower premiums when you renew your policy.

Can I transfer my car insurance from another state to South Australia?

It’s generally possible to transfer your car insurance from another state to South Australia, as long as your insurer offers cover in the state and your new living situation still qualifies under their terms and conditions. You’ll need to contact your insurance provider and inform them about your move.

Are there any specific car insurance requirements for rideshare drivers in South Australia?

Yes – to operate as a rideshare driver, you’ll typically need to have at least a TPPD car insurance policy. Not all insurers will cover rideshare activities, so it’s important to look for a business or commercial car insurance policy which may be able to offer the coverage you’re looking for.

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Disclaimer:

Savvy (ABN 78 660 493 194, ACR 541 339) provides readers with a variety of car insurance policies to compare. Savvy earns a commission from our partnered insurers each time a customer buys a car insurance policy via our website. All purchases are conducted via our partners’ websites. The integrity of our comparison service is unaffected by our partnerships with those businesses and our effort remains to bring further brands that do not already use our comparison service onboard.

Savvy’s comparison service includes selected products from a panel of trusted insurers and does not compare all products in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy. We always recommend readers to consult the Product Disclosure Statement (PDS) of different policies before purchasing your car insurance.