Best Car Insurance in Auckland

5 Options for the Best Car Insurance in Auckland

Cars can cost a fortune to repair when they get damaged. However, you can protect yours and defray some of the cost in such instances with the best car insurance in Auckland – and we’re featuring those here today!

Car insurance covers your car in the event of accidental loss or theft. Also, it keeps you free from liability if you happen to damage someone else’s car or property.

We’ll first discuss the average cost of Auckland car insurance. That way, you’ll know how to get the best deal when you take out a car policy from our top insurers later.

The Average Cost of Car Insurance in Auckland

For car insurance policies, the cost will depend on several factors such as your age, gender, location, driving history, purpose, car make and model, and parking site.

The basic idea here is that the higher your risk is, the higher your premiums will be. That’s because insurers don’t want to take chances on careless and speedy drivers.

As for location, you’ll find that the cost of car insurance in Auckland is different from that in Christchurch and Wellington, since their roads and places differ.

More importantly, you have to be aware of how you’re going to be paid by your insurer, whether that be by the market or agreed value.

Agreed Value – An agreed value is the amount you and your insurer accept as the value of your car. This is the price you’ll be insured for at the start of your policy and at each renewal.

Market Value – This is the value that your car is worth based on the current market. Be careful when it comes to market value as it decreases every year.

Suppose you own a Toyota Hilux and insure it for its market value of $12,000. Next year, that value can go down to maybe $9,000, so you’re insured for less, yet you pay the same premium as you did the year before.

In conclusion, both market and agreed value isn’t better or worse than the other. It’s all a matter of which one will get you the best value for your insurance.

For guiding purposes only, here’s a table from Money Hub showing how car insurance prices differ amongst insurers in terms of location.

This car insurance quote is for a male driver aged 35 who drives a 2017 Toyota Rav4:

LocationAmiAA InsuranceCoveStateTradeMe Insurance
Takapuna, Auckland$973$1,122$981$969$902
Henderson, Auckland$1,031$1,097$996$1,053$998
Mangere, Auckland$992$958$1,011$1,063$1,046

*Note that all premiums above accord with $400 excess except for Ami. Also, for TradeMe Insurance, its figures already include a 15% TradeMe membership discount.

The Best Car Insurance Providers in Auckland

Now that you have an idea of the average cost of car insurance policies, let’s go on to our list!

1)   Star Insurance Specialists

Star Insurance Specialists' Homepage
Best forLuxury and classic cars
PoliciesVintage car
Classic car
Project & performance car
Motorsport car
Modern hobby car
Prestige cars
BenefitsBuilt-in Benefits  
Vintage Car  
Agreed value (can be upgraded to certified value)
Specialist repair and assessments
Spare parts
Wreck buy-back
Glass coverage  

Classic Car  
Agreed value (can be upgraded to certified value)
Spare parts
Specialist repair and assessments
Glass coverage  

Project & Performance Car  
Certified value options
Specialist repair and assessments
Spare parts
Wreck buy-back  

Motorsport car  
Certified value options
Specialist repair and assessments
Spare parts
Wreck buy-back    

Modern Hobby Car  
Certified value options
New replacement vehicle
Incorrect refuelling cover
Genuine parts  

Prestige Car  
Rental car contribution
New replacement vehicle
Genuine parts
Incorrect refuelling cover    

Optional Benefits (for all cars mentioned above)  
Roadside assistance
AddressBuilding 6, 15 Accent Drive, East Tamaki, Auckland, New Zealand
Contact Details0800 250 600
[email protected]
Office HoursMonday – Wednesday: 8.30 AM – 5.00 PM
Thursday: 9.00 AM – 5.00 PM
Friday: 8.30 AM – 5.00 PM
Saturday – Sunday: closed

Get a Quote Here

Star Insurance Specialists is a specialist vehicle insurer with offices in Auckland and Tauranga. They have cover for classic, luxury, race, modified, and hobby cars, to name a few.

Each policy is tailored to your car, needs, and budget. For example, they have bespoke policies for a vehicle undergoing restoration or that is a part of your collection.

With a strong financial credit rating, Star Insurance certainly has no trouble paying out on claims. That means you will most likely be paid if your car has been severely damaged or stolen.

What’s more, they offer genuine service alongside competitive rates. No doubt that it has hundreds of satisfied customers!


  • Strong financial strength rating (A+, as rated by Standard and Poor’s)
  • Easy to set up
  • Vehicle collection discounts
  • Provides value for money


  • Not for all car owners

Customer Reviews

For vintage and collection cars, this insurer offers some of the best car insurance in Auckland. It holds an average score of 4.8 out of 5 stars on Google.

Jeff wrote his feedback about the insurer:

“I own a classic and need a company that wants to understand my requirements and not some unknown underwriters policy.

Star has allowed me to insure my fd3-rx7 for the current Kiwi cost of replacement.

I have classic car coverage and yet I have a normal policy like my daily drivers; windscreen protection/replacement and a reasonable co-payment if the unfortunate happens (I would cry tears of blood)…..

Car insurance should not be difficult and should be an easy monthly bill and a voice at the other end of the phone if you need it…… Star I have found I get just that.”

Justin, another satisfied client, wrote this review:

“Great Insurance company not a cookie cutter policy insurance company like most of the others. I could nominate the insured value of the vehicle also they have a good window cover which being a Model 3 owner is far superior than most.”

2)   AA Insurance

AA Insurance's Homepage
Best forLifetime repair guarantee
PoliciesComprehensive Third-Party, Fire & Theft Third-Party
BenefitsBuilt-in Benefits  
Agreed value
One event, one excess
Lifetime repair guarantee
Towing, storage, and transport
Third-party damage
Damaged caused by others
Theft Fire damage
Excess-free keys and locks  

Optional Benefits:  
Excess-free glass cover
Rental cover
AddressNew Zealand-wide
Contact DetailsPhone: 0800 500 231
Claims: 0800 500 216
Overseas: +64 9 927 2306
Email them here
Office HoursMonday – Friday: 8.00 AM – 8.00 PM
Weekends and public holidays: 8.00 AM – 6.00 PM

Get a Quote Here

AA Insurance has earned clients’ trust for 10 straight years! It even won the  Reader’s Digest Most Trusted Brand award from 2011 to 2020.

One of its policy offerings is car insurance. They have three policies you can go for: comprehensive, third-party, fire, and theft, and third-party car covers.

Key benefits of all plans include a lifetime repair guarantee (even if you sell your car in the future), AA membership and multi-policy discounts, and one-event-one-excess.

You also have a customer manager to assist you when you’re lodging a claim. They strive to keep things simple and hassle-free for you as much as possible.


  • Strong financial rating (A+, as rated by Standard & Poor’s)
  • Simple, stress-free claims
  • Membership and multi-policy discounts


  • Higher premiums compared to others

3)   Cove Insurance

Cove Insurance's Homepage
Best forQuick online application
PoliciesComprehensive car insurance
BenefitsBuilt-in Benefits  
New car cover
No fault, no excess
Emergency accommodation
Loss to trailers
Keys & locks
Replacement car  

Optional Benefits:  
Courtesy car hire
Roadside assistance
Excess-free windscreen
Address6/10 The Strand, Takapuna, Auckland 0622, New Zealand
Contact Details+64 800 268 347
Office HoursOpen every day from 7.00 AM – 10.00 PM

Get a Quote Here

Cove is leading the market with its digitised policy management. No more paperwork and phone calls needed—just your smart device or laptop to get started.

You can first download the My Cove app whose interface looks neat and stylish and whose words are simple to understand (no difficult jargon).

They have only one product though, and that’s the comprehensive car insurance cover. It includes all the essentials and optional extras that you may need.

It’s a pretty comprehensive policy. Say if your new car of no more than 12 months old has been wrecked in an accident and cannot be repaired, it will be replaced by a new unit of similar make and model.

The policy also includes a unique no-fault-no-excess where you won’t have to pay an excess if the accident isn’t your fault.

Apart from that, if you have a trailer attached to the back of your car or nearby, they will cover up to $1,000 for the cost of repair and replacement.


  • Instant online application
  • Stable financial strength rating (A+, given by A. M. Best Company)
  • Has the My Cove app


  • No third-party-only policies

Customer Reviews

Clients have reported that taking out a policy online with Cove was super-easy, fast, and efficient. Furthermore, a lot said that its price was cheaper than other insurers.

One policyholder named Claran said this:

“Great help from cove for first time car insurance. I called up with many questions that I had and through talking to Aaron, I got great first time cover. Aaron was very patient and helpful and I was then happy to proceed with the purchase there and then.”

Also, another client left this review:

“It was very easy to navigate online, and responses were instant. Have recommended to my children.  An NZ owned company and great prices compared to other companies.  When I have had queries I have had immediate responses.”

4)   Protecta Insurance

Protecta Insurance's Homepage
Best forResponsive customer service
PoliciesFull cover
Third-party cover
Third-party, fire, and theft cover
BenefitsBuilt-in Benefits  
Extensive cover
Accident management service
No-claims bonus
Medical expenses
Lifetime repair guarantee
Keys and locks
Completion of journey
Accidental death cover
Trailer cover
Hire vehicle  

Optional Benefits  
Roadside assistance
Windscreen cover
AddressLevel 6/110 Symonds Street, Grafton, Auckland 1010, New Zealand
Contact DetailsPhone: +64 800 776 832
Email: [email protected]
Claims: [email protected]
Office HoursMonday – Friday: 8.00 AM – 5.00 PM
Saturday – Sunday: closed

Get a Quote Here

You can forget about the insurers that make you wait to get a quote and cover. With Protecta Insurance, you can do those things seamlessly within ten minutes.

Established in 1986, Protecta Insurance specialises in motor vehicle cover for ordinary and classic cars, and motorbikes.

They have 3 levels of cover for you to pick from including full cover, third-party, fire, and theft, and third-party. Prices are competitive for these, as customers can attest.

The Third-party, fire and theft covers are great only for minor cover for your vehicle, while the full cover features a comprehensive range of benefits.

With the full cover, their team will take care of you and your damaged car in the event of an accident. They will cover the medical and courtesy car expenses too.


  • Excellent financial strength rating (A, given by A.M. Best Company)
  • Fast application process
  • Has an accident management team


  • No downloadable app

5)   Tower Insurance

Tower Insurance's Homepage
Best forAirpoints Dollars rewards
PoliciesComprehensive cover
Third-party, fire, and theft cover
Third-party cover
BenefitsBuilt-in Benefits  
Legal liability
No-claims bonus
Damage by an uninsured vehicle
Fire, damage, and theft
One event, one excess
Repair guarantee
Rental car
Child car seats
Transport costs
Replacement car
Collision cover
Lost or stolen keys  

Optional Benefits  
RoadWise roadside assistance
Windscreen-excess buyout
Address45 Queen Street, Auckland Central, Auckland 1010, New Zealand
Contact DetailsCustomer Service and claims: 0800 379 372
Rural: 0800 161 262
Office HoursCustomer Service  
Monday – Friday: 8.00 AM – 7.00 PM
Saturday: 9.00 AM – 6.00 PM
Sunday: closed
Public holidays: 9.00 AM – 6.00 PM  

Monday – Friday: 8.00 AM – 7.00 PM
Saturday: 9.00 AM – 5.00 PM
Sunday: closed
Public holidays: 9.00 AM – 5.00 PM  

Monday – Friday: 9.00 AM – 5.00 PM
Saturday – Sunday: closed
Public holidays: closed

Get a Quote Here

If you want to have full car coverage while earning Airpoints every month, then Tower’s car insurance is made for you.

Their policies have been awarded the WriteMark Plain Language Standard, meaning you’ll easily understand conditions, limits, and exclusions.

You get reliable features like rental car, child seat, and keys and locks cover, as well as extras like windscreen excess buyout and roadside assistance for up to 3 callouts per year.

Also, you have a chance to bring down your premium with discounts if you buy online or get more than 1 Tower policy, or haven’t made a claim throughout the year.


  • Excellent financial strength (A-, given by A.M. Best Company)
  • Earns Airpoints Dollars
  • Online and multi-policy discounts
  • WriteMark Plain Language Standard


  • Expensive premiums

FAQS about the Leading Car Insurance in Auckland

And that wraps up our list for the best car insurance in Auckland. By being insured, you will be able to drive your car every day with complete peace of mind.

Have any questions or suggestions about our list? If you have one, just let us know by dropping us a line and we’ll reply to you promptly.

Need insurance for your motorcycle too? If so, you can try our best motorcycle insurance in NZ list so you can protect your motorbike against the prospect of loss or theft.