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Car Insurance

Customise your cover with our range of options

  • Rental car: Get access to rental car after an accident
  • Windscreen cover: No excess on your first windscreen only claim*
  • Protected No Claim Bonus: Your no claim bonus entitlement is not reduced for your first at fault claim
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Car insurance in Sydney, NSW

Great Value

  • Up to 15% discount when purchasing a new policy online*.
  • Up to 60% No Claim Bonus*.
  • Flexible excess options available to customise your own premium.

Quality Service

  • Quick and easy claims service 24/7.
  • Friendly and helpful staff to help you find the right cover.
  • Flexible payment options to meet your needs.

Great Features

  • Up to $750 cover for personal items stolen from your car.
  • Guarantee on the workmanship of repairs we authorise for as long as you own the car.
  • A range of options including rental car & the removal of basic excess for windscreen & glass damage.

A brand you can trust

Allianz, Large general insurance company of the year 2014
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NSW has more cars than any other state in Australia, with large numbers located in Sydney. Your car is an important investment and car insurance can provide financial cover in the event of theft or damage to your car.

If you live in Sydney, be sure to take out comprehensive car insurance from Allianz to secure your investment.

Cars in Sydney

New South Wales has the most cars of any Australian state or territory with just over 5.1 million registered vehicles in January 2014i. In June 2014, six of the ten local government areas in NSW with the highest number of car registrations were located in Sydney . Of these six, Blacktown had the most registered vehicles with 216,984 followed by Sutherland Shire with 176,851, and Penrith with 154,298ii. The Sydney CBD local government area had 100,208 registered vehicles in March 2014ii.

Over the last five years, the increase in new vehicle registrations in New South Wales has been below the national average of 2.5 per centi with the average annual growth rate of car registration in NSW at 2.3 per centi. Even though New South Wales has the highest population of any Australian state or territory, it has one of the lowest registration rates nationwide. In January 2014, New South Wales had only 683 registered vehicles per 1,000 people, compared with Tasmania's 861iii.

Car theft in Sydney

Although there were 6,301 fewer cars stolen in New South Wales in 2013 compared to 2009, you should still be cautious of Sydney's car theft hot spotsiv. In 2013, Blacktown had the most with 876 car thefts reported, followed by Bankstown with 715, and Liverpool with 650v. In the City of Sydney local government area in 2013, there were 561 thefts reported, a decrease of 22.6 per cent from 2012iv. These numbers are regularly updated and as such, the recorded number of car thefts may change slightly throughout the yeariv.

Across Australia, 45.3 per cent of cars were stolen from residential land and 31.7 per cent occurred on a street or footpathvi. To safeguard your car, always remember to lock it when you leave itvii. Park in a well-populated, well-lit area or secure car park and reduce the risk of theft by engaging your car's security measuresvi. Examples of security measures include car alarms or immobilisers, which are a smart precaution to prevent theft of your vehiclevi.

Accidents and damage

While the road toll is steadily decreasing in New South Wales, with the lowest recorded fatalities since 1970viii, there is still room for improvement. The NSW road toll has decreased to 340 deaths in 2013 from 510 in 2004, but it is still the highest road toll of any Australian state or territoryix. 162 drivers and 72 motorcyclists accounted for the majority of road deaths, followed by 49 passengers, 43 pedestrians and 14 cyclistsviii.

Road accidents, injuries and fatalities in New South Wales were mainly caused by speeding, drink driving and not wearing a seatbeltx. To help reduce your chances of becoming a statistic, take your time, don't drink and buckle up when driving.

Public transport

Cars are an important part of everyday life in Sydney, making up 68 per cent of all trips takenxi. From 2001-02 to 2011-12, car driver trips increased by 6 per cent, while the number of train and bus trips increased by approximately 23 and 16 per cent, respectively. In fact, the rate of public transportation use in NSW has grown at a faster rate than the population itselfix. The third most popular mode of travel behind being a driver or passenger in a car is walking, which has increased from 15.3 per cent over the decade from 2001-02 to 2011-12ix.

Cars are an important part of everyday life in Sydney, making up 68 per cent of all trips taken.

We understand how important your vehicle is - to get to work, to do the shopping, and to safely transport you and your family. Despite improvements in vehicles and roads, as well as the continuing reductions in fatal accidents and vehicle theft, owning a vehicle in Australia is not risk free. Comprehensive car insurance from Allianz can help minimise the financial burden you may face in the event of an accident, theft or third party property damage. Get a free comprehensive car insurance quote from Allianz online today.

iAustralian Bureau of Statistics 2014, Motor Vehicle Census, Australia, 31 Jan 2014, 9309.0 , ABS, viewed 28 August 2014,

iiRoads and Maritime Services 2014, Registered vehicles by vehicle type by Local Government Area as at 31 March 2014, viewed 2 September 2014,

iiiAustralian Bureau of Statistics 2014, Motor Vehicle Census, Australia, 31 Jan 2014, 9309.0, ABS, viewed 28 August 2014,$File/93090_31%20jan%202014.pdf

ivComprehensive Auto-theft Research System, National Motor Vehicle Theft Reduction Council 2014, AUS - Motor vehicle theft summary, 2009 to 2013, viewed 28 August 2014,

vComprehensive Auto-theft Research System, National Motor Vehicle Theft Reduction Council 2014, NSW - Motor vehicle thefts by top Local Government Areas (LGA), 2013 vs 2012, viewed 28 August 2014,

viAustralian Institute of Criminology 2014, Location of all crime, by location and crime: MVT, viewed 2 September 2014,

viiNew South Wales Police Force 2007, Vehicle Security viewed 4 September 2014,

viiiCentre for Road Safety, NSW Government 2014, Fatality trends, viewed 2 December 2014,

ixBureau of Infrastructure, Transport and Regional Economics (BITRE), Australian Government 2013, Road Deaths Australia 2013 Statistical Summary, viewed 28 August 2014,, pp.2-3

xCentre for Road Safety, NSW Government 2012, Road Traffic Crashes in New South Wales, viewed 28 August 2014,

xiBureau of Transport Statistics, NSW Government 2013, 2011/12 Household Travel Survey: Summary Report 2013 Release, viewed 28 August 2014,

More information

Options to reduce your premium

Options to improve your cover

Car theft rates by state

A state by state breakdown of car theft rates throughout Australia. Car theft rates by state

Number of car thefts by state

An overview of total numbers of car thefts across Australian states. Damage Frequency of Solar Panels

Registered vehicles across NSW

From Bankstown to Wyong, from Hornsby to Warringah - here's an overview of the number of vehicles registered in different areas across NSW as at 31 March 2013. Registered vehicles across NSW

Number of thefts by vehicle type

In NSW, Toyota models and the Hyundai Excel X3 were among the most stolen cars in the financial year 2012/13. Number of thefts by vehicle type

Online discounts
Any online discounts offered are applied to our standard rates, but excluding all other optional covers. The online discount only applies to the first year's premium (unless stated otherwise). Promotional or other discounts may apply from time to time for customers who apply for insurance via our Contact Centre.
Minimum premiums may apply
Any discounts/entitlements only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of printing and are subject to change without notice.
Car Insurance discounts
The online discount does not apply to Third Party Fire & Theft policies and Third Party Property Damage policies. Safe Driver Discount applies to new Allianz Car Insurance policies only. Drivers must be aged 30 years plus. Eligibility conditions in relation to all drivers. Discount available for new Allianz Car Insurance policies only.
$25,000 Accidental Death Cover
At no extra cost, if you or your spouse has an accident that results in an injury which is the sole cause of death within 90 days of the injury, we will pay your estate $25,000.
Windscreen cover excess
Only applies where damage to windscreen is the only damage to the vehicle.

Terms, conditions, limits and exclusions apply. Please see the relevant PDS available on this website for details.