Compare Holden car insurance estimates from Australia's leading providers. Whether you drive a Commodore, Colorado, Captiva, or Cruze, find the right cover at the right price - comprehensive, third party, or fire & theft.
AAMI is one of Australia's most recognised insurance brands, trusted by millions of drivers across the country. Known for competitive pricing, straightforward claims, and strong customer service - get your estimate below.
Holden holds a unique place in Australian motoring history. Although the brand was officially discontinued in 2020 after decades of local manufacturing, a massive fleet of Holden vehicles remains on Australian roads. The Commodore, Colorado, Captiva, Cruze, and Barina were all household names, and hundreds of thousands continue to serve as daily drivers across the country.
From an insurance standpoint, Holdens typically fall into low-to-mid insurance groups because market values have continued to decline since production ceased. One factor owners should keep in mind is parts availability - genuine Holden parts are gradually becoming harder to source, which may push up repair costs over time. Aftermarket and second-hand components are helping bridge this gap.
All major Australian insurers continue to cover Holden vehicles without restriction. Providers such as AAMI, Allianz, Budget Direct, NRMA, and Suncorp all offer comprehensive, third party fire & theft, and third party property cover. See our full Australian car insurance comparison for more.
Estimated annual comprehensive insurance costs for Holden models in Australia. Based on a 35-year-old driver with a clean record in Sydney.
| Model | Type | Approx. Value (Used) | Est. Comprehensive/yr | Insurance Group | Notes |
|---|---|---|---|---|---|
| Holden Commodore | Sedan / Wagon | $3,000-$25,000 | $500-$900 | Low-Mid | Australian icon. VE and VF generations most common. V6 models are affordable to insure. |
| Holden Commodore SS/SSV | Performance Sedan | $10,000-$40,000 | $800-$1,400 | Mid-High | V8 performance variant. Higher premiums reflect power output and enthusiast demand. |
| Holden Colorado | Ute / Pickup | $10,000-$35,000 | $600-$1,000 | Mid | Popular workhorse ute still widely used by tradies. Commercial use may need a separate policy. |
| Holden Captiva | Mid-size SUV | $5,000-$18,000 | $500-$800 | Low-Mid | Family SUV. Declining values keep premiums on the lower side. |
| Holden Cruze | Sedan / Hatch | $3,000-$12,000 | $450-$700 | Low | Compact car. One of the cheapest Holdens to insure in Australia. |
| Holden Trax | Small SUV | $5,000-$18,000 | $500-$800 | Low-Mid | Compact SUV with solid safety features. Affordable to cover. |
| Holden Barina | Hatchback | $2,000-$10,000 | $400-$650 | Low | Entry-level hatchback. Very low insurance costs due to minimal market value. |
| Holden Astra | Hatchback / Sedan | $3,000-$15,000 | $450-$750 | Low | European-designed hatchback. Reasonable insurance and decent safety credentials. |
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 Holden's age and value.
Covers damage you cause to other vehicles or property. Your Holden is not covered. May suit older Holdens worth under $3,000.
Adds fire and theft protection for your Holden. Sensible for Holdens worth $3,000-$10,000 where replacing the car out of pocket would be difficult.
Full protection for your Holden. Covers accident damage, theft, fire, storm, hail, vandalism, and third-party liability. Worth considering for Holdens valued above $8,000.
Understanding these factors can help you find cheaper Holden insurance in Australia.
A Barina is significantly cheaper to insure than a Commodore SS. V8 variants attract higher premiums because of their performance capabilities and theft appeal.
Drivers under 25 pay considerably more, especially for V8 Commodores. Over-25s with a clean licence and no recent claims receive the most competitive rates.
Postcodes in western Sydney, parts of Melbourne, and inner Brisbane typically attract higher premiums due to increased theft and accident frequency.
Holdens with factory immobilisers, aftermarket alarms, or GPS tracking devices may qualify for lower premiums from some Australian insurers.
A clean claims history can deliver up to 65% off your premium. Some insurers such as AAMI offer no-claims bonus protection to shield your rating after a single claim.
As genuine Holden parts become scarcer, repair costs may gradually rise. Insurers factor this into premiums over time, so it is worth watching.
Practical ways to reduce your Holden insurance premium without sacrificing cover.
Holden premiums vary widely between providers. Because insurers have deep data on these vehicles, competition is strong - always get at least 3 estimates.
Increasing your excess from $500 to $800 can save 10-20% on your premium. Only choose an excess you can comfortably afford if you need to make a claim.
Monthly instalments usually come with a surcharge. Paying your Holden policy in one annual lump sum can save 5-10% across the year.
For older Holdens with declining values, market value cover is often cheaper than agreed value. Compare both options with your insurer to see which works best.
Insure your Holden alongside your home or contents with the same provider. Multi-policy discounts of 5-15% are common across providers like Suncorp and AAMI.
Parking in a locked garage overnight and fitting an approved immobiliser or alarm can lower your premium. Always tell your insurer about security features.
Key facts about Holden vehicle security and safety performance across Australia.
Holden Commodores have historically been among the most commonly stolen vehicles in Australia, particularly older models from the 1990s and 2000s. Data from the National Crime Information System and state police agencies shows that V8 Commodores and SS variants are particularly targeted by theft rings.
Holden vehicles were tested by ANCAP during their production years. Safety ratings vary significantly between generations - later models generally achieved stronger ratings than earlier ones.
Common questions about insuring your Holden 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 ASIC's MoneySmart. Complaints about insurers can be directed to AFCA.
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