COMPARE CAR INSURANCE PROVIDERS

Compare, quote and save on NZ car insurance policies

Car Insurance
Provider
State Insurance AMI Insurance Cove Car Insurance NAC Car Insurance Lantern Car Insurance
Online Quote
Transport Home
After Accident
Roadside assistance
or breakdown cover
Optional
Extra
YES - AMI
Breakdown
Service
Optional
Extra
Comprehensive
Policy
Comprehensive
Policy
Substitute
rental transport
Optional
Extra
Comprehensive
Policies
Optional
Extra
YES Optional
Extra
Multi-policy
discount
Modified
vehicle specialist
Online Purchase
Discount
Save up
to $50
NO FIRST MONTH
FREE
N/A N/A
Car Insurance
Provider


Compare STATE


Compare AMI


Compare COVE


Compare NAC


Compare LANTERN

*The above information is intended as a guide only. Maximum limits and certain exclusions do apply. Please refer to the policy wording for full details of the cover provided.

Policy Types Third Party

Third Party, Fire
& Theft

Comprehensive
Third Party

Third Party, Fire
& Theft

Comprehensive
Third Party

Third Party, Fire
& Theft

Comprehensive
Third Party

Third Party, Fire
& Theft

Comprehensive
Third Party

Third Party, Fire
& Theft

Comprehensive
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*** The above car insurance comparison table is not a complete list of all providers in NZ.  The above information is intended as a guide only. Maximum limits and certain exclusions do apply. Please refer to the policy wording for full details of the cover provided. This is a starting point for you to compare providers and help you find the best insurance for your needs - we hope you find the table useful.  We may recieve an affiliate payment if you become a customer of one of the providers listed. ***

Looking to compare more car insurance options?  CLICK HERE FOR MORE DETAILS AND OPTIONS 

Compare car insurance providers

Whatever type of car you own, your car is probably a vital tool to get around day-to-day. Protecting your car with a suitable car insurance policy can help protect you if the unforeseen happens and your car is stolen, damaged or you are involved in an accident.

This guide will explain what you should consider to make an informed choice about the best car insurance policy for you.

Top things to know about car insurance cover in New Zealand

Car Insurance costs can vary widely depending on the type of policy you choose, and the provider you choose. Costs will also vary depending on the age and model of your car, so it’s worth taking some time to request some online quotes to make sure you’re not paying more than you should for your car insurance. We’ve outlined how to request a car insurance quote, information your insurer will look for, the main types of insurance cover, and some tips to reduce the cost of your car insurance.

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How to request a car insurance quote online

It’s easy to get started requesting a car insurance quote online. We recommend starting with State InsuranceAMI Car Insurance and Cove Insurance to get a good range of quotes. It will help to have the following detailed ready to get the most accurate quote possible:

The main types of car insurance in New Zealand are:

Tips to reduce the cost of your car insurance

  1. Shop around: if you want cheaper car insurance, it pays to shop around before you buy. Car insurance is a competitive industry, so there are some good deals around – but beware of insurers who trim policy benefits in order to offer cheaper premiums
  2. Check policy benefits – not just price: make sure your policy includes all the benefits that you need. Also, only add benefits that you need as these will increase the cost of your insurance.
  3. Choose a level of cover that meets your needs and matches your budget
  4. Increase your excess: This is the amount of money you have to pay when you make a claim, before the insurer covers the rest of the cost. Increasing your excess sometimes results in your premium being reduced.
  5. Pay annually: Paying for your policy annually instead of monthly, can work out cheaper. So it’s worth checking whether there is a price difference for paying annually.
  6. Ask about discounts for multiple policies: some insurers offer discounts for multiple policies with the same insurer (eg: car insurance or contents insurance), or for professionally installed security systems

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