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Finder Car Insurance Awards 2021

Which car insurance brand did Kiwis vote as the best in 2021?

We asked more than 1,300 Kiwis about their car insurance provider to find out which brands are delivering exceptional service. Motorists evaluated their insurer against a number of factors, including how easy it was to understand their policy, whether they would recommend their insurer to a friend, online experience, and overall satisfaction.

The winners were decided entirely on these assessments, with responses on overall satisfaction and likelihood to recommend weighted more highly. Full details of the methodology can be found below.

Our car insurance winners

Finder Award - car insurance logo

Winner, Best Rated Car Insurance:

Trade Me Insurance

One of the smaller players in the car insurance market, but Kiwi institution Trade Me’s car insurance brand has won the hearts (and dollars) of many with its uncomplicated, value-for-money cover. Underwritten by Tower and offering a range of discounts (including 15% off premiums for members), Trade Me Insurance beat out the competition to be Kiwis’ car insurance favourite for 2021.

Read our review of Trade Me Insurance car cover

Finder Awards Highly Commended - Car Insurance

Highly Commended, Car Insurance:

AA Insurance

Priding itself on being one of New Zealand’s most trusted brands, AA Insurance has long been a popular choice among Kiwis. With many insurers focusing on moving business online or over the phone, AA Centres prove popular with those who prefer to sort out their cover face-to-face. The insurer also rewards AA members with discounts on their cover, with larger savings for those who have been a member for longer.

Read our review of AA car insurance

Finder Awards Highly Commended - Car Insurance

Highly Commended, Car Insurance:

State Car Insurance

Serving New Zealand for over 100 years, State has had no problem moving with the times. Emphasising slick and simple online policy purchase and management experiences, State currently boasts more than 400,000 Kiwis as customers and offers the chance to earn Flybuys on their insurance premiums.

Read our review of State car insurance

Our 2021 Finder car insurance awards table

Overall ratingCustomers who’d recommendIssuerSummary
★★★★★94%Trade me logoWith a minimal-fuss approach and discounts for members, Trade Me Insurance is the inaugural winner of our Finder Award for car insurance.View deals
★★★★★93%AA Insurance logoDespite its considerable market share, AA Insurance hasn’t let its standards slip. The insurer continues to focus on providing excellent customer service and maintaining the trust of motorists.View deals
★★★★★85%State logoFounded back in 1905, State has the experience to know what Kiwis want from their insurer. Consumers have responded positively to State’s move to make it as easy as possible to buy and manage car cover, especially online.View deals
★★★★★84%AMI Provider LogoPopular Kiwi insurer AMI makes a point of not holding age against younger drivers, offering a minimum of 50% no-claims bonus to under 25s. Older drivers don’t miss out either, thanks to AMI’s multi-policy discount and no-claims bonus protection.View deals
★★★★★84%BNZ logoUnderwritten by IAG New Zealand, BNZ’s PremierCare vehicle insurance offers cover ranging from comprehensive to third party only. Those insured with BNZ can see their policy details through its online banking platform and can earn Flybuys on premium payments.View deals
★★★★★76%Picture not describedAustralian banking giant Westpac provides three levels of car cover, plus insurance options for motorcycles, caravans and boats. Westpac banking customers benefit from the convenience of having their financial products under one roof.View deals
★★★★★74%Picture not describedVero provides its three tiers of MotorPlan car insurance through brokers located across New Zealand. From general to more specialist cover, Vero believes the personal touch provided by its network of brokers helps them best meet the needs of their customers.View deals
★★★★★70%Tower Insurance logoWith a choice of either agreed or market value cover and a range of cover options, Tower offers flexibility in its car cover. Those who insure with Tower can earn Airpoints Dollars on their premiums, plus their new GoCarma app lets safer drivers save on their coverView deals

Overall ratings methodology

In January 2021 we ran a customer satisfaction survey on car insurance providers in which we had 1,303 responses. Each respondent was asked to evaluate their current or most recent car insurance provider against the following criteria:

  • overall satisfaction (weighted 30%)
  • online experience (weighted 20%)
  • how easy it is to understand the policy (weighted 20%)
  • likelihood to recommend (weighted 30%)

Each brand was ranked by its average overall score, with the winner chosen if it had a statistically significant lead to compensate for different sample sizes. Responses to each evaluation metric was weighted as indicated above. Products with less than 30 responses were disqualified.

Insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

The overall rating score is based on a survey of 1,303 customers carried out in January 2021.

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