Car Insurance in Australian Capital Territory
Why ACT drivers need car insurance
Whether it’s the traffic on Northbourne Avenue, the infuriating hunt for a parking spot, or a trip down the Barton Highway, ACT drivers encounter their fair share of driving challenges.
Chances are that you are a considerate car owner with a good driving record – but it’s not just you on the road. Other drivers, unpredictable weather, and a range of factors including road conditions, can all cause minor accidents – or worse.
With the right car insurance, your vehicle is covered when it’s parked, stopped in traffic, or happily motoring along – whether you’re home or away.
Eligible drivers could save up to $409 with Pay As You Drive Car Insurance.1
Real Insurance for real ACT drivers
At Real Insurance, we know that no matter where you live in the Australian Capital Territory, you want great value car insurance that suits your lifestyle.
With more and more Canberrans driving to work, drivers face increased traffic congestion and fewer car parks, both of which can result in minor motoring mishaps. You might drive long distances every day, or only use your car occasionally for short, local journeys. And even if you take public transport during the week, you’ll most likely use your car to cover longer distances on weekends and holidays.
Drivers living in areas like Belconnen, Tuggeranong or Bruce can encounter a combination of roads including suburban streets, highways or unsealed roads, sharing their journey with everything from semitrailers to cyclists. You might commute to work, or simply use your car for getting around your local area.
No matter how far or how often you drive – city or country – we’ve got a car insurance product that offers great value and protection in the event of accidents, theft or damage to your vehicle.
Real Insurance Options
At Real Insurance, we offer a range of car insurance products from our award-winning Pay As You Drive Insurance, to our Comprehensive Car and our Third Party Property Fire & Theft or Third Party Damage Insurance.
Discover and compare car insurance products to learn how Real Car Insurance protects you in the event of an accident, theft or damage.
Even more protection
You can increase your coverage – and peace of mind – by adding one or more of our great optional extras and services to your car insurance:
For full details including limits and exclusions of these benefits, please read our Product Disclosure Statement.
Got questions? Find answers with our helpful Car Insurance Q&A.
Why choose Real Insurance
- Award-winning cover with flexibility to suit your needs
- Flexible payment options
- 24/7 claims lodgement and emergency assistance
- We don’t have assessment centres, we use everyday repairers
- Real Insurance is a multi-award winning insurance company
Get Real. Get a Quote
From Kambah to Kaleen and Ngunnawal to Narrabundah, we’ve got drivers in the Australia Capital Territory covered. Get a real quote, real quick. Call us on 13 19 48 or get a fast car insurance quote online.
Eligible drivers could save up to $409 with Pay As You Drive Car Insurance.1
Rated from 803 Feefo reviews
Powered by 
Savings between $0 to $409 derived from premium comparisons between Comprehensive Car Insurance and Pay As You Drive Car Insurance. Calculations based on profiles of existing customers who advised they drive 15,000km or less annually. Current as of 24 March 2026. Eligibility for Pay As You Drive and actual savings is determined by your individual circumstances, including the kilometres selected and other risk factors and underwriting criteria. Minimum premiums may reduce savings. Kilometres can be increased to a limit of 15,000km per period of insurance for an additional premium. In the event of claim if the end odometer reading is exceeded, an additional Outside odometer excess will apply.