2026 Car Insurance Star Ratings and Awards
2026 Car Insurance Star Ratings and Awards
Canstar releases its
2026 Car Insurance Star Ratings and Awards
Released: 4 June, 2026
About Canstar’s Car Insurance Star Ratings and Awards
Canstar’s 2026 Car Insurance Awards recognise providers delivering outstanding value on comprehensive car insurance to Australian drivers. We assess policies across 42 consumer profiles, covering different ages, states, and household types (including individuals or families with a young driver) to find those offering a strong combination of price and features.
Car insurance premiums vary significantly by state, so we award at both the state and national level. State awards highlight providers performing well where you live, while national award winners deliver consistent value Australia-wide.
Numbers crunched by Canstar Researchers
- 39 providers rated
- 48 products rated
- 42 profiles considered
- 3 award-winning providers
Read our methodology →
Compare Car Insurance →
View all Star Ratings and Awards →
Congratulations To Our Award Winners
(Winners are listed alphabetically)
AAMI
Outstanding Value Award – Australia
Outstanding Value Award – WA
Outstanding Value Award – SA
Outstanding Value Award – VIC
AAMI has secured a National Award this year, alongside State Awards in SA, VIC, and WA. AAMI’s comprehensive policy pairs competitive premiums across a range of driver types, car types, and locations with strong features that come standard. These features include a hire car for up to 21 days following a theft, coverage for accidental damage to personal property up to $1,000, and “new for old” total car replacement with no kilometre limit for the first registered owner of a vehicle less than two years old. Roadside assistance is also available as an optional extra.
Bingle
Outstanding Value Award – Australia
Bingle has retained its National Award this year. The digital-only provider focuses on essential protections at a competitive price, with the option to tailor coverage through extras. These include new car replacement for cars under three years old, a hire car for any covered incident until repair or settlement, and unlimited no-excess windscreen cover.
ROLLiN’ Insurance
Outstanding Value Award – Australia
Outstanding Value Award – NSW
Outstanding Value Award – QLD
Outstanding Value Award – TAS
Outstanding Value Award – NT
ROLLiN’ Insurance has retained its National Award and State Awards in NSW, QLD, and TAS, while picking up a State Award in the NT. ROLLiN’ operates on a unique monthly “rolling” structure where policies automatically renew each month with an updated premium and valuation of your car based on the current market price, giving policyholders flexibility without locking into an annual commitment. New car replacement after a total loss is included as standard for cars with less than 15,000km on the odometer. EV batteries, charging cables, wall boxes, and adapters are also explicitly covered. For drivers under 25, ROLLiN’ charges no additional excess.
About this year’s awards
Car insurance premiums rose across Australia by an average of 4.7% over the past year, but these increases weren’t evenly spread. Tasmania saw the largest jump at 7.13%, followed by the Northern Territory (6.27%) and Victoria (6.19%), while Queensland had the smallest increase at 2.70%.
Who’s paying more also varies, and this year the usual pattern flipped. Under-25s barely saw an increase–on average, premiums for women in this age group rose just $3 over the year, while for men, they rose just $1. The bigger increases hit the groups that typically pay the least: drivers aged 30 to 49 saw premiums climb 9.45%, and over-50s 10.26%. Families saw an increase of 8.97%.
Younger drivers still pay the most overall, though–roughly $2,800 to $3,200 a year, compared with about $1,450 for over-50s. While the gap between older and younger drivers narrowed this year, younger drivers continue to face the highest premiums.
Several providers left the direct-to-consumer market over the past year. CGU Insurance exited in June 2025, with former direct customers transitioned to NRMA or RACV. Australia Post and Virgin Money also stopped offering car insurance in late 2025.
If you’re shopping for insurance on an electric or hybrid vehicle, our analysis found that some brands underwritten by Hollard, including ahm, BUPA, Huddle Insurance, and Commonwealth Bank, didn’t offer coverage for all the electric and hybrid vehicles we assessed. Other Hollard-underwritten brands covered the same vehicles, so it appears to be a selective decision by certain brands rather than a blanket restriction by the underwriter. In other words, if you’ve found that one insurer won’t cover your EV, don’t panic–there are others that will.
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About: Ellie Cross, Research Analyst
Bachelor of Commerce (Finance), University of Queensland
JEllie Cross is a Research Analyst at Canstar who is involved in the development and delivery of the company’s Star Ratings and Awards. Since joining Canstar in 2026, Ellie has used her Finance major and technical experience to bring an objective, evidence-based approach to evaluating complex financial products and markets.
Ellie’s work is centered on a singular goal: providing everyday individuals with the perspective they need to select the right financial products for their future and save money.