Car Insurance in the Northern Territory
Why Northern Territory drivers need car insurance
Drivers in the Northern Territory know that traffic conditions can change depending on the time of year. Tourist season brings more drivers along the Stuart Highway, and when the Wet arrives, you’ll have to contend with unpredictable weather, road closures and changes to road conditions.
You might be a careful car owner with a good driving record but when it comes to motoring mishaps, it’s not just about you. Damage and accidents can happen as a result of the weather, uneven road surfaces, and of course, other drivers.
The right car insurance will cover you at home or away, in the event of theft, damage or accidents, no matter where you live in the Northern Territory.
Eligible drivers could save up to $409 with Pay As You Drive Car Insurance.1
Real Insurance for real NT drivers
At Real Insurance, we understand that you want great value car insurance that suits your budget and your driving habits.
Those living in Darwin and Palmerston are well aware of the increasing congestion around the CBD. Increased traffic means less on-street parking, and more people in the city can increase the chances of damage, theft or accidents happening.
Outside the CBD, drivers in places like Nhulunbuy or Tennant Creek have to contend with a variety of road conditions. At night you’re just as likely to share the road with local wildlife as you are with other drivers. Distances between towns can be vast. You could take long journeys often or you may just use your car for short, local trips.
Whether you drive near or far, through urban streets or the outback, there’s a great value car insurance product to protect you 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
Upgrade your car insurance for even more protection and peace of mind, with one or more 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 Alice Spring to Arnhem Land, and Katherine to Kings Canyon, if you’re driving in the Northern Territory, 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.