NZ car insurance, ledger-style

Twelve insurers. Four cover types. One honest comparison.

We don't sell car insurance. We line up the twelve NZ insurers most kiwis end up with — AA, State, Tower, Cove, AMI, Tower, Trade Me, Vero, NZI, Initio, MAS, Star, Insurance.co.nz — show their cover types side by side, and give you indicative premium bands so you can quote with your eyes open.

Run the comparison How it works

Independent comparison
Premium bands from 2026 quotes
Twelve NZ insurers covered

Why use Simple Car Insurance instead of Googling it yourself

Doing the research yourself means phoning around, chasing quotes, and comparing apples to pears. We do it in one form.

No commission tilt

We're not a broker and we don't earn more if you pick comprehensive over third-party. Every comparison is the same shape regardless of cover type.

Premium bands, not made-up quotes

Real NZ premium ranges from real recent quotes. We say band, not exact figure — anyone who quotes you a precise number without seeing your details is guessing.

Twelve insurers, one ledger

AA, State, Tower, Cove, AMI, Vero, NZI, Initio, MAS, Trade Me, Star, Insurance.co.nz. The mainstream NZ market in one place — direct insurers and broker-distributed both.

Match-maker, not sales

Fill the form once. We point you at the two or three insurers worth getting actual quotes from. No call-centre upsell, no spam, no kickbacks.

Ready for quotes?

One form. Two to three quotes from vetted installers in your region. No phone tag, no pressure, no spam.

✓ Takes under 60 seconds
✓ We review each installer before they quote
✓ You pick who to talk to — or no one at all

Get a steer on which insurers to quote

Tell us about your driver, your car and your region. We'll come back with two or three insurers worth quoting, with a note on what each is good (and bad) at.