Compare Daihatsu car insurance estimates from Australian providers. Whether you drive a Sirion, Terios, Charade, or Move, find affordable cover for your reliable runabout - comprehensive, third party, or fire & theft.
AAMI is one of Australia's most trusted car insurance brands, known for straightforward policies, competitive premiums, and a hassle-free claims experience. See what they can offer for your Daihatsu below.
Daihatsu is a Japanese brand owned by Toyota, known for compact and economical vehicles. While Daihatsu officially withdrew from the Australian new-car market in 2006, thousands of used Daihatsus remain on Australian roads. The Sirion, Terios, Charade, and various Japanese-import kei cars like the Move and Mira are the most common models seen around Australian cities and regional towns.
From an insurance perspective, Daihatsus are among the cheapest vehicles to insure in Australia. Low market values, tiny engines, straightforward mechanical designs, and minimal theft risk combine to produce some of the lowest premiums of any brand. Most Daihatsus are now older vehicles, so third party only or third party fire & theft may offer the most practical cover for many owners.
All major Australian insurers - including AAMI, Allianz, Budget Direct, and NRMA - offer cover for Daihatsu vehicles. Your Daihatsu's value can be checked via RedBook. See our full Australian car insurance comparison for more.
Estimated annual comprehensive insurance costs for popular Daihatsu models in Australia. Based on a 30-year-old driver with a clean record in a Sydney suburb.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Daihatsu Mira | Kei Car | $1,500-$5,000 | $280-$450 | Low | 660cc kei car import. One of the cheapest vehicles to insure in Australia. |
| Daihatsu Move | Kei Car | $2,000-$6,000 | $300-$480 | Low | Tall kei car offering more cabin space. Budget-friendly insurance. |
| Daihatsu Charade | Hatchback | $2,000-$8,000 | $320-$500 | Low | Compact hatch popular with learner drivers. Low premiums across all age groups. |
| Daihatsu Sirion | Hatchback | $3,000-$10,000 | $350-$550 | Low | Most common Daihatsu in Australia. Reliable and very affordable to insure. |
| Daihatsu Terios | Mini SUV | $3,000-$12,000 | $380-$600 | Low | Small SUV with optional 4WD. Slightly higher premiums due to SUV rating. |
Disclaimer: All prices shown are indicative estimates based on publicly available data and typical driver profiles as of early 2026. Actual premiums vary based on your vehicle, location, driving history, and chosen cover level. These figures are not quotes. Always obtain a personalised quote from the insurer directly. We do our best to keep all data up to date and accurate. If you've noticed something incorrect, please let us know.
Choose the right level of protection based on your Daihatsu's age and value.
Covers damage you cause to other people's vehicles or property. Your Daihatsu is not covered. A common and sensible choice for older Daihatsus worth under $3,000.
Adds fire and theft protection for your Daihatsu. Worth considering for models worth $3,000-$8,000 where the replacement cost still matters to you.
Full protection for your Daihatsu. Covers accident damage, theft, fire, storm, hail, vandalism, and third-party liability. May suit owners who rely on their Daihatsu as a sole vehicle.
Understanding these factors can help you find cheaper Daihatsu insurance in Australia.
All Daihatsu models are cheap to insure, but newer Sirion and Terios models cost slightly more than older Mira and Move kei cars due to higher values.
Daihatsus are popular with younger and learner drivers. Under-25s pay more, but a Daihatsu will still be among the cheapest options available.
Premiums in Sydney and Melbourne tend to be higher than regional areas due to traffic density and higher claim rates. Postcode is a significant pricing factor.
Older Daihatsus may lack modern security features. Fitting an aftermarket immobiliser can help reduce premiums with some Australian insurers.
Maintaining a claims-free record can reduce your premium significantly. Most Australian insurers offer no-claims discount (NCD) protection options.
Most Daihatsus in Australia are older vehicles. Some insurers may not offer comprehensive cover for very old vehicles, making third party the main option.
Practical ways to reduce your Daihatsu insurance premium without sacrificing cover.
Even for affordable Daihatsus, premiums can vary between insurers. Use insurancecompared.com.au to check at least 3 providers before committing.
For older Daihatsus worth under $3,000, third party only cover may be the most cost-effective option. The premium savings relative to the vehicle's value can be substantial.
Most Australian insurers charge a loading for monthly instalments. Paying your Daihatsu premium annually can save 5-10% on the total cost.
Insure your Daihatsu alongside your home or contents policy with the same provider. Multi-policy discounts of 5-15% are common across Australian insurers.
Older Daihatsus may not have factory-fitted immobilisers. An aftermarket immobiliser can improve security and may help reduce your premium.
Garaging your Daihatsu or parking it off-street overnight can lower your premium. Let your insurer know about your parking arrangements.
Key facts about Daihatsu vehicle security and safety performance in Australia.
Daihatsu vehicles have an extremely low theft profile in Australia. Their low market values and lack of demand for parts in the stolen vehicle market mean they are almost never targeted. However, older models without immobilisers are easier to steal, so basic security measures remain worthwhile. Check the National Motor Vehicle Theft Reduction Council for current stolen vehicle statistics.
Daihatsu safety ratings vary by model and age. Most Daihatsus on Australian roads are older models that predate modern crash testing standards. Newer Sirion models based on Toyota architecture have better safety credentials.
Common questions about insuring your Daihatsu in Australia.
Disclaimer: The information on this page is for general informational purposes only and does not constitute financial advice. While we strive for accuracy, insurance products, pricing, and terms change regularly. Always verify details directly with the insurer before making any decisions. If you need personalised advice, consider consulting a licensed financial adviser. For more information, visit MoneySmart (ASIC). Disputes can be referred to AFCA.
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