Car insurance comparison

Time to switch insurers? Compare quotes and get the best cover for you.

About our promoted products: Our ‘promoted’ products are presented as a result of a commercial advertising arrangement or to highlight a particular feature. Promoted products are not a recommendation, an indication a product is the best in its category, nor represent all products in the market. It is important to compare your options and find the right product for you.

Compare car insurance NZ

Name Product Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
State Comprehensive Car Insurance
$20,000,000
Agreed or Market
Yes
Optional
Save $50 when you buy online. Optional roadside rescue, windscreen glass cover and hire car add ons.
AMI Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Optional
Agreed value cover and choose an excess that works for you. Add AMI's Standard Breakdown Service for $32 per year, including three call outs per year.
Tower Comprehensive Car Insurance
$25,000,000
Agreed or Market
Yes
Optional
Save $50 when you buy your policy online and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
Cove Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Optional
Join now and get one month free on your new policy worth up to $100. Monthly contracts you can cancel any time.
AA Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Yes
Save with multi-policy discounts and exclusive discounts for AA members. Lifetime repair guarantee for parts and workmanship.
The Warehouse Everyday Plus Comprehensive Car Insurance
$20,000,000
Agreed
Yes
Optional
Agreed value cover with lifetime guarantee on repairs. Most claims handled by phone with no forms to fill in.
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Name Product Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
State Third Party, Fire and Theft Car Insurance
$20,000,000
Agreed or Market
Yes
Optional
Save $25 when you buy online. Optional roadside rescue and windscreen glass cover add ons.
AMI Third Party, Fire and Theft Car Insurance
$20,000,000
Agreed
Yes
No
Optional cover for glass breakage, medical expenses and accidental death. No-claims discount of up to 60%.
Tower Third Party, Fire and Theft Car Insurance
$25,000,000
Market
Yes
Optional
Save $50 when you buy your policy online and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
AA Third Party, Fire and Theft Car Insurance
$20,000,000
Agreed
Yes
No
Save with multi-policy discounts and exclusive discounts for AA members. Lifetime repair guarantee for parts and workmanship.
The Warehouse Third Party, Fire and Theft Car Insurance
$20,000,000
Market
Covered up to the amount on your schedule
Optional
Market value up to the amount covered. Up to $5,000 for damage caused by uninsured drivers.
Protecta Third Party, Fire and Theft Car Insurance
$10,000,000
Agreed
Yes
Optional
Discounts for named drivers only and excluding under 25s. Full no-claims bonus applied to new quotes.
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Name Product Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
State Third Party Car Insurance
$20,000,000
Agreed
Yes
Optional
Save $10 when you buy online. Optional roadside rescue and windscreen glass cover add ons.
AMI Third Party Car Insurance
$20,000,000
Agreed
Yes
No
No-claims bonus of up to 60%. Multi saver discount when you have two or more policies with AMI.
Tower Third Party Car Insurance
$25,000,000
Agreed or Market
Yes
Optional
Save $50 when you buy your policy online and earn Airpoints Dollars. Get a multi-policy discount of up to 20%. Optional roadside assistance.
AA Third Party Car Insurance
$20,000,000
Market
No
No
Save with multi-policy discounts and exclusive discounts for AA members. Lifetime repair guarantee for parts and workmanship.
The Warehouse Third Party Car Insurance
$20,000,000
Market
Yes
Optional
No-stress claims with no forms to fill in in most cases. Includes legal liability and damage by uninsured drivers.
Protecta Third Party Car Insurance
$10,000,000
Agreed
Yes
Optional
Discounts for named drivers only and excluding under 25s. Full no-claims discount applied to new quotes.
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Compare up to 4 providers

Name Product Legal Liability Agreed or Market Value Accidental Damage Roadside Assistance
RentalCover.com Rental Car Insurance
$20,000.000
Market
Yes
Yes
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Which is the cheapest car insurance?

We got online quotes from six car insurance providers to see how their prices stacked up for drivers based in different parts of New Zealand, from Auckland to Dunedin. All quotes were for comprehensive car insurance policies, but car and driver details are different across the two sets of quotes we ran.

Across all of the quotes we compared, the two cheapest car insurance providers were AMI and Trade Me. However, prices across insurers varied substantially for different vehicles, locations and driver details. In our selection, quoted prices differed by as much as a massive 65%, showing that picking the right insurer can result in saving thousands of dollars every year.

InsurerAucklandHamiltonChristchurchWellingtonDunedin
AA$822.08$662.61$672.49$632.75$606.30
AMI$694.36$571.32$620.31$620.31$583.20
Cove$877.44$683.76$770.64$790.56$677.16
State$873.12$786.55$846.25$795.08$731.12
Tower$809.06$702.89$831.81$755.98$667.06
Trade Me$695.57$676.51$792.18$724.13$644.37

All quoted prices are for one year of cover. All quotes in set 1 were gathered on 15 and 16 July 2020.

Our first set of quotes were based on the following details:

  • A comprehensive car policy.
  • A 30-year-old male driving a 2008 Honda CRV Wagon, with an agreed value of $14,000 and with a full NZ driver’s licence
  • The driver has no history of accidents, has 8 years driving experience and drives around 8,000 kilometres each year.
  • The driver has no other policies with the insurer and is the only named driver on the policy.
  • The car is usually parked in a carport at the driver’s address.
  • The car has no modifications and there is no money owed on it.
  • Chosen excess was $500, except for State which only allows a $400 excess.
  • The driver is a Trade Me member, but not a member of the AA.
InsurerAucklandHamiltonChristchurchWellingtonDunedin
AA$1,060.30$856.77$869.38$818.67$784.92
AMI$874.00$720.83$781.82$781.82$735.63
Cove$1,172.88$913.32$1,029.60$1,056.48$904.44
State$809.04$728.60$846.25$736.52$676.93
Tower$828.28$719.70$851.54$774.00$683.07
Trade Me$711.08$623.42$729.86$667.25$593.83

All quoted prices are for one year of cover. All quotes in set 2 were gathered on 6 August 2020.

Our second set of quotes were based on the following details:

  • A comprehensive car policy.
  • A 40-year-old female driving a 2019 Mitsubishi ASX Wagon, insured for an agreed value of $28,00 and with a full NZ driver’s licence
  • The driver has no history of accidents, has 10 years driving experience and drives around 8,000 kilometres each year.
  • The driver has no other policies with the insurer and is the only named driver on the policy.
  • The car is usually parked in a garage at the driver’s address.
  • The car has no modifications and there is no money owed on it.
  • Chosen excess was $500, except for State which only allows a $400 excess.
  • The driver is a Trade Me member, but not a member of the AA.
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