New data published by
Although this is a much smaller increase than the average price increase of 30.5 percent in 2024, the insurance premiums vary considerably, depending on the state or territory in which you live, as well as your age, gender and driving record, and of course the type of vehicle that you insure.
The 2025 car insurance sterations and prices of Canstar are based on the analysis of more than 67,000 full extensive policy gaps for both new and used cars in a series of scenarios, and with a state-specific target excesses ranging from $ 800 to $ 1000.
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The data shows that Victorians pay the most on average for their extensive car insurance, for $ 2940 per year. They have also been hit with the largest annual increase, with premiums with an average of $ 225 or 8.3 percent on an annual basis.
| Average annual car insurance premiums per state | |||
| Stands | 2024 | 2025 | Increase |
| New South Wales | $ 2430 | $ 2570 | +$ 140 (+5.8%) |
| Northern Territory | $ 2189 | $ 2283 | +$ 94 (+4.3%) |
| Queensland | $ 1901 | $ 2010 | +$ 109 (+5.7%) |
| South Australia | $ 1881 | $ 1970 | +$ 89 (+4.7%) |
| Tasmania | $ 1710 | $ 1785 | +$ 75 (+4.4%) |
| Victoria | $ 2715 | $ 2940 | +$ 225 (+8.3%) |
| West -Australia | $ 1885 | $ 2032 | +$ 147 (+7.8%) |
When it comes to the types of the driver, adult drivers have experienced the greatest price increases, with an average increase of 6.5 percent in their extensive coverage in the past year.
But the highest car insurance prices are generally still paid by young male drivers under 25, who are confronted with average annual premiums of more than $ 3000 because their higher accidents percentages make them a greater risk of insurers.
| Average annual car insurance premiums per driver | |||
| Director | 2024 | 2025 | Increase |
| Under 25 wife | $ 2550 | $ 2706 | +$ 156 (+6.1%) |
| Under 25 male | $ 2858 | $ 3020 | +$ 162 (+5.7%) |
| 25 to 29 | $ 2056 | $ 2176 | +$ 120 (+5.8%) |
| 30 to 49 | $ 1529 | $ 1607 | +$ 78 (+5.1%) |
| 50+ | $ 1183 | $ 1260 | +$ 77 (+6.5%) |
Canstar says that someone who pays an average premium of $ 2226 who is over to one of the best-rated policy measures, possibly saving up to $ 692 or 31.1 percent in one year, while drivers transferring to a five-star policy in Victoria to save more than in another state-$ 967 or 32.9.
| Average annual car insurance premiums compared to the best rated-per region | |||
| Stands | Average | Assessed on average of 5-star | Difference |
| New South Wales | $ 2538 | $ 1683 | -$ 855 (-33.7%) |
| Northern Territory | $ 2283 | $ 1645 | -$ 638 (-27.9%) |
| Queensland | $ 2010 | $ 1429 | -$ 581 (-28.9%) |
| South Australia | $ 1970 | $ 1316 | -$ 654 (-33.2%) |
| Tasmania | $ 1785 | $ 1284 | -$ 501 (-28.1%) |
| Victoria | $ 2940 | $ 1973 | -$ 967 (-32.9%) |
| West -Australia | $ 2032 | $ 1402 | -$ 630 (-31.0%) |
In terms of driver types, they are families that can save the most (more than $ 1000) by switching to a five -star policy as assessed by Canstar, closely followed by young male drivers.
| Average annual car insurance premiums compared to the best rated per director | |||
| Profile | Average | Assessed on average of 5-star | Difference |
| Under 25 wife | $ 2706 | $ 1895 | -$ 811 (-30.0%) |
| Under 25 male | $ 3020 | $ 2020 | -$ 1000 (-33.1%) |
| 25 to 29 | $ 2176 | $ 1553 | -$ 623 (-28.6%) |
| 30 to 49 | $ 1607 | $ 1211 | -$ 396 (-24.6%) |
| 50+ | $ 1260 | $ 957 | -$ 303 (-24.0%) |
| Family | $ 2747 | $ 1731 | -$ 1016 (-37.0%) |
“This year’s premium increases were perhaps not as steep as in previous years for many drivers, but an increase of 5.8 percent is not exactly easy to swallow,” said the director of Cantarstar Sally Tindall.
“One of the biggest mistakes that administrators can make is viewing their annual innovation message as a drawing and film exercise. Instead, your notification must be seen as a reminder to make a quick comparison.
“Our research shows that drivers who take a new policy may be able to save $ 692 by switching from an average priced premium to a Cantrand of the best-rated Canstar. That is an average saving-nine who have already linked price increases from their insurer to save even more.”
Based on the 51 products that it has investigated from 43 insurers as part of his 2025 ratings and prices for car insuranceCanstar identified six providers who offered excellent value to Australian drivers, both nationally and per state/territory, based on an extensive comparison of price and policy functions. It also nominated one that offered the highest claims satisfaction and claims national claims.
Excellent Value Award: Bingle, Budget Direct, ING, Rollin ‘insurance, Virgin money
Qld, nsw, vic, bag, sa: Rollin ‘Insurance
West -Australia: Finger
Northern Territory: Australia Post
Most satisfied customers claims for car insurance: Row
“When the price for the insurance shops, however, the price is important, it is not necessary to get the lowest price policy in the city. You want to look for where for money, that is, a decent coverage at a competitive price,” Mrs. Tindall continued.
“The Canstar research team has an amazing 67,000 quotes compared to 43 different providers, and assesses both the costs and what is included for each to help drivers to identify options for good value.
“There are also other ways to reduce your premium, such as increasing your surplus, removing extra drivers that no longer use the car and keep a clean driving record.
“It is also worth checking whether your insurer offers discounts for rare and safe drivers. Rollin ‘Insurance uses, for example, a’ Safe ‘n’ Save ‘app that assesses things as an acceleration of a driver and braking with a discount of a maximum of 15 percent on the basis of your score.
“For people with an ultra-light budget, the temptation can be to completely dump their extensive insurance, but a quick check may be possible to see that you keep your insurance, with a higher cover level at a lower price-all in one simple switch.”
