Compare 15 best Car Insurance Companies in New Zealand

BNZ Car Insurance

BNZ have been helping Kiwis make their banking goals a reality for over 150 years; since then, their services have expanded to include many other financial options. Known as 'the bank for New Zealand', BNZ are now helping customers get peace of mind wherever they are going with car and motor vehicle insurance.

BNZ promise to listen carefully, make things simple, provide great customer service and to do right by you - so that you get the right cover you need for your insurance needs. If you're not sure what type of cover you need, their insurance support team are available 7 days a week for your convenience.

BNZ have three levels of car insurance; their PremierCare Supreme Cover offers the most comprehensive cover for your vehicle to keep you safe out on the roads, with the ability to add on roadside assistance for only $1 a fortnight! Otherwise, they offer third party or third party with fire and theft for those on a lower budget.

If you have multiple policy discounts, you can save even more on your insurance with BNZ. You can manage everything online with BNZ, and view your insurance and policy details in Internet Banking. For those with FlyBuys, you'll collect 1 point based on the premium you pay.

AA Car Insurance

AA are easily one of the most recognised and respected insurance organisations in New Zealand. They truly understand what motorists need, and provide a range of car insurance packages to fit both their needs, and their pockets.

AA offer three levels of car insurance options; third party, comprehensive and specialty vehicles. Specialty car insurance gives Kiwis full protection for other vehicles such as motorbikes, classic cars, trailers and caravans.

Kiwis have voted AA as Reader's Digest 'Most Trusted General Insurer' for eight years running now, and it's not hard to see why. AA pride themselves on putting their customers' needs first, helping them to easily handle the insurance process, without the stress and uncertainty.

If you need to make a claim, AA have a team of dedicated customer service team that will look after you from start to finish, keeping you fully informed and ensuring the entire process is stress and hassle free for you. They have a nationwide group of trusted repairers, who will guarantee any repairs to your car for life - even if you sell your car!

State Car Insurance

State have become one of New Zealand's leading general insurance providers, and have been helping protect Kiwis since humble beginnings in 1905. Today, with over 900,000 policies for more than 400,000 Kiwis, State Insurance have worked hard to build a thorough understanding of the New Zealanders' insurance needs.

State Insurance are focused on running their business with you, their customer, at the centre of everything they do. In order to provide options for all needs and budgets, they provide 3 levels of car insurance policies; full comprehensive cover, third party only and third party with fire and theft.

For complete peace of mind while you're out on the roads, State Insurance have optional add-ons for your comprehensive car insurance cover; windscreen glass cover, 24/7 roadside rescue and car hire. You can even choose to pay fortnightly, monthly or annually.

If you are already have your contents insured with State, then getting car insurance with State could make you entitled for their multi-policy discount, which would save you 10%!

When you need to make a claim, you can lodge your claim online; no paperwork needed. If you have other insurance policies with State, you can save with their multi-policy discount! For these and many more benefits, insure your motor vehicle with State Insurance.

Cove Car Insurance

Cove was founded by Kiwis and made for the people of New Zealand, with the goal of innovating car insurance and making it simple. They've eliminated the long questionnaires, complex paperwork and frustrating call centres that normally go hand in hand with insurance. Instead, Cove blend together all the right technologies to take the stress out of getting your insurance easily sorted.

To keep things simple, Cover provide just one level or car insurance, as they believe it ticks all of the right boxes. Their comprehensive car insurance policy covers fire, theft, damage, new car cover, no fault - no excess, emergency accommodation, loss to trailers, keys and locks and replacement car.

Cove don't sell any features you don't need; that's why you can even add on any of your favourite optional extras to suit your lifestyle. These extras include roadside assistance, excess free windscreen and courtesy car hire. This can save you money and allow you to only pay for features that you actually want!

With Cove, you can manage all of your insurance needs using an app, available on any laptop, smartphone or tablet. They believe in intuitive interfaces without any jaron, offering truly refreshing insurance with innovation and technology.

The Warehouse Car Insurance

The Warehouse Group was founded back in 1982, with the first Warehouse store opening on Auckland's North Shore. Over the years, stores quickly expanded to towns all over New Zealand, and the Warehouse soon become the largest retail group operating in the country .

Warehouse Insurance was created to help Kiwi families get more out of everyday financial products and services, from a trusted and loved Kiwi brand. They put New Zealanders first, providing a range of insurance options to ensure Kiwis get the right cover for their needs. Their other insurance options include home insurance, contents insurance and landlord insurance.

Warehouse Insurance have three different car insurance policies to suit your needs. There is everyday plus car insurance, third party property damage insurance and third party, fire and theft car insurance. Their everyday plus car insurance package has optional add-ons available to extend your cover even further.

When you take out car insurance with The Warehouse, you'll receive a lifetime guarantee on any vehicle repairs that they arrange, as well as agreed value on your motor vehicle. With a focus on no-stress claims, you can easily make a claim over the phone - no forms needed!

Westpac Car Insurance

Westpac's first branch opened back in 1861 when gold was discovered in Otago. Since then, Westpac have gone on to provide over 150 years of successful banking in New Zealand with over 1.2 million customers and more than 200 branches nationwide.

After decades of success in providing personal and business financial services, Westpac now offers a variety of insurance solutions for its customers. They've created three car insurance packages to help Kiwis keep their cars and motor vehicles protected; comprehensive cover, third party cover and third party, fire and theft cover. Auto assistance is available as an optional extra, providing 24/7 roadside assistance if you need it.

Westpac understand that every driver is different, and not every policy will suit them. To enable customers to "try out" their car insurance, they offer a '30 Day Free Look'. If you decide their cover is not for you during the 30 days, just let them know and they'll refund any premiums you've paid.

With millions of satisfied customers and hundreds of branches throughout the country, it's easy to see why so many New Zealanders are now choosing Westpac for all their car and motor vehicle insurance needs.

Trademe Car Insurance

Since 1999, TradeMe have been well known amongst New Zealanders as 'the place where Kiwis buy and sell online'. With years of success as NZ's leading online marketplace and classified advertising platform, they went on to launch 'TradeMe Insurance' in 2015.

TradeMe believe that their customers are at the heart of what they do, and pride themselves on delivering valuable, empowering and easy to use services. Going on 4 years now, thousands of Kiwis are trusting TradeMe for uncomplicated car insurance when the unexpected happens.

TradeMe offer two types of car insurance cover, both focussed on being ready to go when you need it. Their comprehensive insurance covers accidental damage to your car and any others you damage. Their third party accident insurance covers damage you cause to other people's property, but not your own. You can even extend third party cover for loss through fire or theft, and include windscreen and window glass cover benefits.

With a 15% discount on premiums for all TradeMe members, and a 24/7 vehicle breakdown service, TradeMe Insurance is the perfect option for many Kiwis. When you need car insurance, TradeMe is there to help you cut through the clutter, so you can find the cover you want.

AMI Car Insurance

AMI have been here for Kiwis for over 90 years, insuring over 500,000 customers with over 60 stores throughout the country. Voted as a highly trusted insurance provider for 5 years in a row, AMI are committed to looking after their customers and making communities safer.

AMI knows that every driver is different, so their car insurance policies come with a range of different features to suit. They provide three main levels of car insurance; comprehensive, third party and third party with fire and theft. For a small additional cost, you can add on optional cover like breakdown service and rental vehicle cover to your policy.

As one of New Zealand's leading insurers, AMI have won awards that have recognised their commitment to outstanding customer service, as well as putting their customers at the heart of what they do. They strive to make sure they are there for Kiwis through the thick and thin of it all, for whatever you need, whether it be a big or small claim.

With multiple policy discounts, no claims bonuses and other great benefits, it's easy to see why AMI is one of New Zealand's leading car and vehicle insurance providers.

ASB Car Insurance

ASB was New Zealand's first savings bank back in 1847, and have since gone on to help more than 1.3 million personal, rural and business customers. They are one of the largest providers of financial and insurance services in the country, aiming to always be "one step ahead" with both their products and their service.

To keep things simple, ASB offer three levels of car insurance cover, so you can choose the one that best suits your budget and needs. Their vehicle insurance packages include third party only, third party with fire and theft, and full comprehensive cover, with the option of adding on roadside assistance.

As well as insuring cars, ASB have insurance solutions for boats, yachts, motorbikes, caravans, trailers and more, ensuring Kiwis can safely protect all their motor vehicles. If you have home or contents insurance with ASB as well, you'll qualify for a multiple policy package discount.

To keep your claims easy and hassle free, ASB have a number of branches across New Zealand as well as phone and online email support. If you ever need to make a claim, one of their dedicated claims advisers will help your through the process from start to finish.

Club Auto Car Insurance

Club Auto Insurance first launched back in 2009, providing a variety of insurance options for motor and modified vehicles. The New Zealand owned insurance agency specializes in car insurance for Kiwis who find themselves disadvantaged by vehicle choice, driving offences or previous accidents.

With a front line staff who are highly trained in dealing with specialized and modified motor vehicles, you'll be surprised at what they can cover. They've designed a range of motor insurance products that meet an array of requirements and needs.

Club Auto offer three main types of cover; the 'Auto One' plan provides full comprehensive cover, the 'Shock Absorber' plan provides third party or fire and theft cover, and the 'Free Wheel' plan for motorbike cover. Whatever your car insurance requirements are, Club Auto are ready to assist.

When you take our car insurance with Club Auto, you're rewarded for driving carefully, as they give you discounts on your premium when you don't make a claim. They also offer new customers a 30 day trial; if you're not happy with your policy, they will try and find a new policy to suit. Otherwise, you can get a full refund on your premiums if no claims have been made.

Tower Car Insurance

Tower Insurance was founded by Kiwis just like you back in 1869, and have gone on to become one of New Zealand's leading insurance providers. Tower Insurance pride themselves on 'being there when you need them most', and are always looking for new and better ways to give you insurance confidence.

Tower Insurance want you to live your life with confidence knowing that the things that matter most to you are protected. When it comes to your cars and motor vehicles, Tower offer three great value car insurance packages with the optitional roadside assistance and windscreen excess buyout.

You can choose between their comprehensive cover, third party cover or third party with fire and theft cover - depending on what best suits your vehicle, needs and budget. There are also options for commercial vehicle and motorbike cover.

As one of the highest multi-policy discounts in the country, you can even save up to 20% when you have three or more policies with Tower Insurance. And if you're an Airpoints member, you'll even earn Airpoints Dollars with your Tower car insurance.

AMP Car Insurance

AMP are one of New Zealand's leading insurers, and are renown for their strong sense of purpose to help Kiwis own their tomorrow. Proud to have been helping Kiwis for over 160 years, AMP aim to make it simple for you to choose the right kind of car insurance for your needs.

They cover all types of car insurance options - from basic third party to full comprehensive insurance - providing a solution for all types of drivers. With AMP car insurance, drivers have access to an 24/7 emergency call centre that can help you solve any problems on the spot.

From Kiwis with old, high mileage cars to those that have just invested in a brand new vehicle, AMP have your insurance needs covered. For those who aren't quite sure what they're looking for, they have a team of dedicated advisers to talk you through their full suite of options.

If you need to make a claim, AMP's experienced claims team are there to make the process easy for you, supporting you and keeping you updated throughout the process. With flexible payment options and excess options to reduce your premium, there's plenty to like about AMP car insurance!

Protecta Car Insurance

Protecta Insurance is a New Zealand owned and operated company that is focused on 'Protecting Your Investment'. Protecta have been protecting Kiwis for over 30 years now, and are committed to providing their customers with the best value products, benefits and customer service.

Protecta Insurance have been specializing in cars, motorcycles and classic vehicles since 1987, and have been helping tens of thousands of Kiwis with their insurance needs ever since. For standard vehicles, they offer full cover, third party only and third party with fire and theft options. The full comprehensive cover includes roadside assistance, specialist accident management service, completion of journey costs and much more.

The friendly and experienced staff at Protecta love all types of cars and bikes, and have a thorough understanding of what you drive and ride. From hot rods to muscle cars to 50's cruisers and modern classics, the Protecta team have earned a strong reputation as NZ's premium motorcycle and classic car insurance specialists.

To help with any of your insurance enquiries or claims, Protecta is available 24 hours a day, 7 days a week for your convenience. When you need 'real cover for real people' Protecta is the insurance provider to visit!

Vero Car Insurance

Vero are New Zealand's general and specialist insurance experts, helping Kiwis protect the things that matter most to them. They are committed to creating value for customers, getting the right protection you need for your cars and other motor vehicles.

Vero understand how important it is to be mobile, and how important it is to have a policy that gets you back behind the wheel fast. They offer three types of motor insurance cover - comprehensive, third party with fire and theft, and third party only - so you can easily pick a plan that's right for you.

If you're not such which insurance policy is best for you, Vero have a dedicated team of brokers to help. Vero's expert brokers will assess your needs, recommend and arrange insurance, and help with any future claims. Whether it's for general or specialist motor cover, Vero are here to make insurance more simple and useful for you.

Going one step beyond the rest for New Zealanders, Vero offer 24/7 free emergency help assistance. If you're involved in an accident or disaster anywhere in the country, their help team is a phone call away - even if there is no claim involved.

ANZ Car Insurance

As one of New Zealand's largest companies, and the country's largest rural banker, ANZ is a common Kiwi household name. Known for providing a wide range of personal and business financial services in NZ, ANZ are now offering Kiwis car and motor vehicle insurance.

Whether you just need the basics or you want all the bells and whistles, ANZ provide three competitive car insurance packages to suit all types of drivers and vehicles. Their plans include full comprehensive cover, third party with fire and theft, and third party only, with roadside assistance available as an optional extra.

From individuals and families to farms and businesses, ANZ are devoted to helping Kiwis get the right insurance they need for their vehicles. With a focus on simple and hassle-free claims, you can rely on a dedicated ANZ claims adviser to help and support you through the entire process.

With nearly one in two Kiwis having a banking relationship with ANZ, it's easy to see why many people are confident in choosing ANZ for their car and motor vehicle insurance needs too.

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