Compare Car Insurance NZ
Don't just auto-renew. Compare quotes from multiple insurers, then use our tips to get the best deal — or the best claims experience.
Where to Compare
Quashed
Quashed compares quotes from multiple insurance companies in one place. Enter your car details and see side-by-side pricing — it's the fastest way to see what's out there.
Compare on QuashedAA Insurance
Often cheapestAA is often the cheapest insurer in NZ — probably because they're the biggest. A larger pool of insured drivers lets them spread risk and keep costs low. Always get an AA quote alongside Quashed results.
Get AA Quote3 Things You Need to Know About Car Insurance
Understand Your Excess
Your excessis the amount you pay out of pocket before insurance kicks in on a claim. It exists so you don't claim for tiny things like a small scratch.
The trade-off:
Higher excess = cheaper premiums. You pay more per claim but less each month.
Lower excess = more expensive premiums. You pay less per claim but more each month.
If you're a safe driver and can absorb a $500–$1,000 hit, choosing a higher excess can save you a lot on your annual premium.
Re-Quote Every Year — Even With the Same Insurer
Just like power and internet, the renewal price is often more expensive than a fresh quote — even from the same company. Many people have reported that their AA renewal offer was higher than the price they got by requesting a brand new AA quote online.
Pro tip:When your renewal notice arrives, don't just click "renew." Go to the insurer's website and get a fresh quote as if you were a new customer. If the new quote is cheaper, call them and ask them to match it — or just cancel and re-sign up.
Cheapest Isn't Always Best — Claims Experience Matters
Insurance is something you only truly test when things go wrong. A good insurer makes a real difference when you need to:
- ✓Get your car repaired quickly — a smooth claims process means less time without your vehicle
- ✓Get paid out fast on a total loss — some insurers take weeks, others are much faster
- ✓Avoid claim disputes — reputable insurers are less likely to argue over valid claims
Saving $10/month on a policy that fights you on every claim isn't worth it. Read reviews, check complaint stats, and factor in the claims experience — not just the price tag.
Our Approach: Price vs Experience
| Priority | What to Do | Best For |
|---|---|---|
| Cheapest price | Compare on Quashed + get an AA quote. Choose higher excess. | Safe drivers, older/lower-value cars |
| Best claims experience | Read reviews on claims handling. AA and AMI are well-regarded. | Newer cars, want peace of mind |
| Balanced | Get quotes from 3–4 insurers. Pick the cheapest reputable one. | Most people |
Get Your Cheapest Quote in Minutes
Compare multiple insurers on Quashed, then check AA for their price.
Quotes vary based on your vehicle, location, driving history and cover level. Always read the policy wording before purchasing. Last updated: January 2026.