Which is the most trusted car insurance provider in Western Australia for 2025? See what real customers say! If you own a car in WA, you must need insurance in order to protect yourself and your wealth. Roads can be busy in Perth or quiet in the countryside. No matter where you drive, car insurance in Western Australia protects you always. It also helps you to avoid high costs if accidents happen.
Some people want the cheapest car insurance in Western Australia. Others look for comprehensive car insurance in WA to get full protection. Some only need third-party car insurance in Western Australia to cover other cars. Don’t worry; that is why I am here for you. I will cover all the information and key points to get the best one in my blog
This guide helps you compare the policies of all companies and provides you with tips and tricks on how to get a high percentage of discounts. It will help you find the best car insurance in Western Australia. You can also check the best car insurance quotes in Western Australia in order to save money and your precious time.
Why Do You Need Car Insurance in Western Australia?
Driving without insurance is risky, as we see a lot of road accidents happening daily in WA. If you have an accident, insurance helps pay for car repairs and damage to other vehicles. It also covers theft, fire as well as natural disasters. Without insurance, you might have to pay huge costs yourself. Choosing the best companies for car insurance in Australia gives you peace of mind and protection and also keeps you safe from these costs. If an accident happens, your insurer pays for damages on your behalf.
What Does Car Insurance Cover?
- Repairs to your car after an accident.
- Damage to other vehicles or property.
- Theft, fire and vandalism.
- Medical costs if your policy includes them.
If you pick the best car insurance in WA, you get peace of mind.
How Many Types of Car Insurance In Western Australia
Insurance plans are different for different user requirements depending upon your needs. Some people need full coverage, and some need short-term car insurance. Others want the cheapest car insurance in WA. Let’s look at all the options one by one to keep your mind more clear.
1. Comprehensive Car Insurance In WA
This covers everything about your car, other cars and someone’s property that was damaged by you. It also protects against theft, fire, storms as well as accidents, even if you are at fault. Some policies include roadside assistance and towing. This is the best option for those people who want full protection and peace of mind. While it costs more, it also saves money in big accidents. If you want the best car insurance in Western Australia, comprehensive coverage is the safest and most reliable choice for you.
Features:
- Covers your car in an accident.
- Pays for damage occurs to other vehicles and property.
- Includes fire, theft and natural disaster coverage.
- Some insurers offer roadside assistance and towing.
Best for: Drivers who want full protection.
2. Third-Party Car Insurance In Western Australia
This is the cheapest legal option for your car insurance all over Australia. It only covers the damage which you cause to other vehicles or property, not to your car. If your own car gets damaged, you must pay for repairs yourself, but if you damage someone’s car, your insurance providers will cover every single penny on your behalf. It’s good for people who own an older car or want to save money. If you want the cheapest car insurance in WA, this is a good choice for you, and I recommend it. However, it doesn’t protect your car, so accidents can still be costly for you.
Features:
- Pays for damage which you cause to other vehicles.
- Does not cover your car.
Best for: Drivers who need basic coverage.
3. Third-Party Fire And Theft Car Insurance In Western Australia
This is a middle option in both upper car insurance choices. It covers damage you cause to others but also protects your car from fire and theft. If your car gets stolen or burns in a fire, the insurance will pay for it. However, it doesn’t cover accidents where your car is damaged and how much your vehicle is damaged; it only covers fire burns and theft. It’s a good choice if you want extra protection but don’t want to pay for comprehensive car insurance in Western Australia. This option is useful for those in areas with higher theft risks.
Features:
- Covers damage you cause to other cars.
- Protects your vehicle from fire and theft.
Best for: Drivers who need extra security but don’t want full coverage.
Car Insurance Comparison In Western Australia
| Insurance Type | Covers Your Car? | Covers Other Cars? | Covers Theft & Fire? | Best For |
| Comprehensive Car Insurance in WA | ✅ Yes | ✅ Yes | ✅ Yes | Full protection |
| Third-Party Car Insurance in Western Australia | ❌ No | ✅ Yes | ❌ No | Budget drivers |
| Third-Party Fire & Theft Car Insurance in WA | ❌ No | ✅ Yes | ✅ Yes | Mid-range coverage |
Choose based on your needs and budget.
Best Car Insurance Providers In Western Australia (2025)
Finding the best car insurance in Western Australia means looking at the costs and services of different insurance providers. These are top insurers.
1. RAC Insurance – Best for WA Drivers
RAC is a trusted local provider of car insurance WA, offering comprehensive car insurance in WA with roadside assistance. It’s great for WA drivers because of its local support and member discounts. It covers accidents, theft and fire, plus emergency towing. Though premiums are higher, it provides strong coverage. Customers love its reliability and service. If you want the best car insurance in WA, RAC is a great option for you to insure your car.
Why Choose RAC?
- 24/7 roadside assistance.
- Discounts for members.
- WA-based support.
⭐ Customer Rating: 4.4/5 – Quick claims process.
Best for: Drivers who want reliable coverage.
2. Budget Direct – Cheapest Car Insurance in WA
Budget Direct is a top choice for cheap car insurance in WA. It offers low-cost policies without reducing important coverage facilities. You can get car insurance quotes in Western Australia online easily. Though it lacks local branches, it has won awards for customer service. It’s great for safe drivers who want affordable rates along with top protection. If you need the cheapest car insurance in WA, Budget Direct is a strong choice for you.
Why Choose Budget Direct?
- It offers the lowest price car insurance in WA AU.
- Fast online claims processing.
⭐ Customer Rating: 4.2/5 – Affordable, but customer service varies.
Best for: Those who want cheap car insurance in WA.
3. AAMI Insurance – Best For Comprehensive Coverage
AAMI provides excellent comprehensive car insurance in WA with a lifetime repair guarantee. It covers accidents, theft and damage to other cars. Though premiums are slightly higher, it offers great add-ons like windscreen protection in the coverage polices. Many customers trust AAMI for its strong reputation and quick claims process. If you want the best car insurance in WA AU with full coverage, AAMI is a great pick.
Why Choose AAMI?
- Lifetime repair guarantee.
- Flexible options.
⭐ Customer Rating: 4.3/5 – Strong coverage but higher cost.
Best for: Those who want comprehensive car insurance in WA AU.
4. Allianz Australia – Best for New Car Owners
Allianz is a worldwide company offering best comprehensive car insurance in WA AU with special benefits for new car owners. If your new car is written off within three years, they replace it. They also offer 24/7 emergency claims support, which is very impressive to me. Although premiums are higher, it provides excellent protection. If you have a new vehicle and want the best car insurance in WA AU, Allianz is a great option.
Why Choose Allianz Australia?
- Best for New Car Owners – Offers new car replacement if your vehicle is written off within the first three years.
- Customer Rating – ⭐ 4.5/5 – Customers praise its strong claims support and protection for new vehicles.
5. Youi Insurance – Best for Personalized Policies
Youi offers personalized car insurance in WA, adjusting prices based on how much and how safely you drive in a specific period. It’s ideal for people who don’t drive daily, as they can get lower rates. Youi has award-winning customer service and a quick claims process. However, frequent drivers may face higher costs. If you want a flexible policy, Youi is a strong choice for car insurance comparison in WA AU.
Why Choose Youi Insurance?
- Best for Personalized Policies – Adjusts your premium based on how much and how safely you drive. Ideal for low-mileage drivers.
- Customer Rating – ⭐ 4.6/5 – Customers love its flexible pricing and excellent customer service.
How to Get Car Insurance Quotes In Western Australia
Getting car insurance quotes in WA AU is simple.
- Use comparison websites – Finder, Compare the Market, etc.
- Visit insurer websites – Get instant quotes.
- Call agents – Sometimes, phone deals are better.
- Look for discounts – Safe drivers and annual payments save money.
Comparing car insurance quotes in Western Australia can save hundreds.
Tips to Get the Cheapest Car Insurance in Western Australia
- Compare multiple car insurance quotes in Western Australia.
- Choose a higher excess to lower costs.
- Keep a clean driving record.
- Remove extra features you don’t need.
Final Thoughts
Picking the best car insurance in WA depends on your budget. Comprehensive car insurance in Western Australia gives full coverage. Third-party car insurance in Western Australia is a budget choice.
Budget Direct is a good option for the cheapest car insurance in WA. If you want high-quality coverage, RAC Insurance or AAMI are better.
Always check car insurance quotes in Western Australia to get the best deal. And if you can hire a car insurance broker for your auto coverage, it will also save you time and money. Here is a proper guide on how to find the best car insurance broker.
