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Car Insurance

Be prepared this season with a chance to win $25k cash, or one of 200 emergency starter kits.

Simply take out an eligible Suncorp Car Insurance policy for a chance to win.
Eligible QLD customers only. T&Cs apply.

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Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Compare our options below and choose the cover that’s suited to your needs.

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Comprehensive Car Insurance

$50 off when you quote and buy online

Cover for your car and other people’s property

Choose between Comprehensive, Comprehensive Extras and Comprehensive Advantages.

We’ll cover you for:

  • Liability for loss or damage your car causes to other people's property
  • Accidental loss or damage to your car
  • Malicious damage or vandalism
  • 2 year new for old car replacement1
  • Hire car after theft

You can add optional extras depending on the level of cover that you choose, such as:

  • Roadside Assist
  • Lifetime new for old car replacement2
  • Hire car after an event
  • Windscreen and window glass damage

Third Party Property Damage

$20 off when you quote and buy online

Cover for other people’s property

We’ll cover you for:

  • Liability for loss or damage your car causes to another person’s vehicle or property
  • Damage by uninsured drivers (up to $5,000)
  • Third party property damage caused by caravans and trailers towed by your car

Third Party Fire & Theft Insurance

$20 off when you quote and buy online

Cover for other people’s property + Fire & Theft

We’ll cover you for:

  • Damage or loss from a fire of theft
  • A rental car for up to 21 days following a theft
  • Repairer needed due to fire or theft



The CTP Insurance that protects more Queensland families

Suncorp CTP Insurance provides compensation to other people injured in an accident, including passengers in your car, when you’re the at-fault driver. CTP Insurance is a compulsory cover.

QLD CTP Insurance

$30 gift card or charity donation

We’ll cover you for:

  • Liability for injuries caused to another person in an accident when you’re the at-fault drivert
  • Added Driver Protection Cover is included at no extra cost

Get a quote Find out more

Different types of Car Insurance explained

Comprehensive Car Insurance is the jack-of-all-trades of car insurance that provides cover for a range of incidents – whether they’re your fault or not.  Third Party Property Damage is a cheaper level of insurance that covers you for the damage your car causes to another person’s car or property, but doesn’t cover damage to your car.  You can also upgrade to add cover for Fire and Theft to your Third Party Property Damage cover. 

Add Suncorp Roadside Assist to a Comprehensive Car policy from less than $95 per year with no joining fee.

Ways to save on Car Insurance

Claims process

If you need to make a claim on your Comprehensive Car Insurance, rest assured we will help you with our local expertise every step of the way.

Awarded for our outstanding claims service

2016 - 2019

Frequently asked questions

Looking for something else?

We also offer insurance for these vehicles:


 Caravan & Trailer



More benefits for you

Insights and stories

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Customer Rating 5.0 stars out of 5 stars 5.0 stars out of 5 stars  (5.0 out of 5)

Find out what our customers have to say about our Car Insurance.

Reviews are managed and sourced by BazaarVoice.

Reviews are independently verified and detail our customers' real experiences.

Car Insurance is rated 4.6 out of 5 by 973.
Rated 5 out of 5 by from Great Service Suncorp Insurance is a very Good Service and a very Great Service company and I would recommend anyone to give Suncorp Insurance a go
Date published: 2020-01-10
Rated 5 out of 5 by from Easy to folow Eaddy to follow process and god value for money...
Date published: 2019-12-31
Rated 5 out of 5 by from Easy to follow The conversational manner of the application was brilliant, too often boring insurance companies don't use plain language.
Date published: 2019-10-31
Rated 5 out of 5 by from Great features n rates plus extra Great value n easy to talk to someone n extra coverage you can get aswel
Date published: 2019-10-28
Rated 3 out of 5 by from Poor website, poor rewards for loyalty Every year I renew my car insurance as a new customer as the renewal price is always more expensive for existing customers-very poor. The process of getting a quote is tiresome as the dropdown boxes do not work very well, required multiple attempts to get them to change. Luckily the product is OK otherwise I would go elsewhere.
Date published: 2019-10-14
Rated 5 out of 5 by from Easy Easy, user friendly. Rhesus monkeys could do it, now that's easy
Date published: 2019-10-10
Rated 1 out of 5 by from Price misleading The premium quoted by the online tool did not included any voluntary excess, however after payment made, there is any extra $200 excess in the certificate of insurance. I have taken photos to prove the online quote without voluntary excess. It is very misleading in terms of price. Please contact me when possible. I will ask for the difference to be refunded. Thank you
Date published: 2019-10-03
Rated 4 out of 5 by from Easy As! I have never bought insurance online before. Shopped around online as well and came back to Suncorp
Date published: 2019-09-29
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Driver Protection Cover

Driver Protection Cover includes up to $1 million in benefits for specific serious injuries to eligible at-fault drivers. It also includes access to a lump sum payment of $5,000 which may help pay for upfront costs like medical and rehabilitation expenses.

After claim expenses

If your car's stolen or damaged in an incident we will pay up to a total of $1000 towards:

  • emergency travel and accommodation if your car's not safe to drive and you're more than 100klm away from home
  • emergency repairs to make your car roadworthy or safe so that you can get to your destination or to a repairer
  • replacing your personal property such as clothing or electronic and telecommunicaiton devices lost or damaged at the time of the incident.

Note: you need to provide us with all invoices and receipts

Hire car after theft for up to 21 days

We'll cover the reasonable cost of a hire car that meets your needs for up to 21 days following theft, or attempted theft following any approved claim. Conditions apply.
Please note: A hire car cannot be used by learner drivers.  Terms and conditions apply, see the PDS for full details

Uninsured Drivers

This applies when your car is damaged in a collision with another vehicle driven by an uninsured driver, but only if we agree that you are not at fault, and you give us the name and address of the uninsured driver or their vehicle's registration details.