Car Insurance in NSW
Why NSW drivers need car insurance
Whether you’re stuck in Sydney traffic, dodging potholes in Byron Bay or joining the hordes on holiday via the Pacific Highway, driving in NSW certainly has its challenges.
Road conditions, weather, speed, other drivers and many other factors can contribute to crashes on our roads. Which means that even if you are a safe, considerate driver there’s no guarantee your car won’t end up in a scrape at some time.
That’s why it’s important to have great value car insurance that is tailored to your driving needs, whether you drive a lot or a little, in the city or country, or both.
Eligible drivers could save up to $409 with Pay As You Drive Car Insurance.1
Real Insurance for real NSW drivers
At Real Insurance, we understand there are a range of car insurance needs depending on your lifestyle and location in NSW.
Living in Sydney, or other large cities like Newcastle, the Central Coast or Wollongong present their own challenges like on-street parking, heavy traffic and everything else that comes with a bigger population. You might drive frequent but short distances, or you might catch public transport to work and drive only on weekends.
Living in rural areas like Dubbo, Wagga Wagga or Tamworth, we know that driving long distances goes with the territory. We know you’ll be driving on highways and unsealed roads as well as suburban streets. You might be on the road a lot, or you might only pop to the shops once a week and take short outings to visit friends.
Whatever your circumstances, we’ve got a car insurance product to help get you back on the road in the event of an accident, 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
Buy yourself extra peace of mind by upgrading your car insurance to include any or all of these great optional extras and services.
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 Tweed Heads all the way down to Albury and as far as Broken Hill right through to beaches of Bondi, if you’re a driver in New South Wales, we’ve got you 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
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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.