NRMA Insurance is one of Australia's most trusted insurance brands, owned by IAG. With approximately 3 million customers across NSW, QLD, ACT and Tasmania, NRMA delivers strong claims handling rated 78% above average by CHOICE.
In This Review
What is NRMA Insurance?
NRMA Insurance traces its origins back to 1920, when the National Roads and Motorists' Association was founded to serve motorists in New South Wales. Today, NRMA Insurance is one of Australia's largest and most recognised insurance brands, serving approximately 3 million customers across NSW, Queensland, ACT and Tasmania.
Owned by IAG (Insurance Australia Group) - one of the largest general insurance groups in Australia and New Zealand - NRMA Insurance offers a comprehensive product range including car, home, contents, motorcycle, boat, business, travel, pet and CTP insurance. In NSW, NRMA is a leading provider of green slips (CTP insurance), which is compulsory for all registered vehicles in the state.
NRMA performs particularly well on claims handling, with CHOICE surveys recording 78% above-average claims satisfaction - one of the stronger results among surveyed insurers. Home insurance satisfaction sits at 61%, which is a solid result. The brand's long history and strong presence in NSW and ACT have built significant customer trust and loyalty over more than a century of operation.
The primary concern for many NRMA customers is pricing. Reports of significant premium increases - sometimes exceeding 20% year-on-year even without claims - are a recurring theme in customer reviews. The brand's geographic focus on NSW, QLD, ACT and Tasmania also means it is not available to all Australians. Despite these issues, NRMA's claims handling reputation and comprehensive product range keep it among the top insurance choices in its service areas.
NRMA Insurance's century-long track record, strong claims handling, and comprehensive product range make it a cornerstone choice for customers in NSW, QLD, ACT and Tasmania.
NRMA Insurance Ratings Across Review Platforms
Disclaimer: Ratings are sourced from public review platforms and surveys as of April 2026. Individual experiences may vary. Scores are aggregated for informational purposes only and do not constitute financial advice. Refer to ASIC's MoneySmart website for guidance on choosing insurance.
What Customers Say About NRMA Insurance
After a tree fell on our roof during a storm, NRMA had an assessor out within 48 hours and the repair was completed in under three weeks. Genuinely impressed.
Been with NRMA for 20 years and they have always been solid when it comes to claims. The one time I needed them, they delivered.
My car insurance premium went from $1,200 to $1,480 at renewal with no claims or changes. That is a 23% increase for no reason.
Green slips through NRMA were easy to sort online. Competitive pricing compared to the other NSW CTP providers.
The claim itself was handled well, but getting through to someone on the phone took over an hour during the flood season.
Disclaimer: Review highlights are sourced from public review platforms for informational purposes only. Individual experiences may vary and do not represent guaranteed outcomes. This content does not constitute financial advice. Visit ASIC's MoneySmart website (moneysmart.gov.au) for guidance on choosing insurance products.
NRMA Insurance Products
Full comprehensive cover with 78% above-average claims satisfaction (CHOICE). Includes choice of repairer, new car replacement and 24/7 claims support.
Building insurance covering your home against fire, storm, theft, water damage and other insured events. Includes flood cover as standard.
Compulsory Third Party insurance for NSW registered vehicles. Covers injury to other people in a motor vehicle accident.
Cover for dogs and cats including accidents, illness and optional routine care. Helps manage unexpected vet bills.
NRMA Insurance Pros and Cons
NRMA Insurance Pricing
NRMA positions itself as a mid-to-premium insurer, with pricing that reflects its strong claims handling reputation and comprehensive coverage. The following are estimated premium ranges based on publicly available data.
Disclaimer: All pricing figures are indicative estimates based on publicly available data and general profiles. They are not binding quotes. Your actual premium will depend on your individual circumstances, claims history, location, and the cover options you select. Visit nrma.com.au for an actual quote or refer to ASIC's MoneySmart website (moneysmart.gov.au) for guidance on comparing insurance.
NRMA serves NSW, QLD, ACT and Tasmania. Premiums vary by postcode based on local claim history, natural hazard risk, theft rates and other regional factors.
Your car's make, model, age, value and safety rating all influence your premium. Vehicles with higher repair or replacement costs attract higher premiums.
A clean claims history and good driving record typically result in lower premiums. At-fault claims and traffic offences can increase your rate.
A higher voluntary excess reduces your premium but increases your out-of-pocket cost when making a claim. NRMA offers flexible excess options.
Properties in flood, bushfire, storm surge or cyclone-prone areas attract higher home insurance premiums due to increased risk.
NRMA vs Other Insurers
| Feature | Feature | NRMA | Allianz | Suncorp |
|---|---|---|---|---|
| Overall Rating | 4.0/5 | 4.2/5 | 4.1/5 | |
| Car Insurance | Yes | Yes | Yes | |
| Home Insurance | Yes | Yes | Yes | |
| CTP Insurance | Yes (NSW Green Slips) | State-dependent | State-dependent | |
| Pet Insurance | Yes | No | No | |
| Claims Satisfaction (CHOICE) | 78% | 70% | 72% | |
| Home Satisfaction (CHOICE) | 61% | N/A | 77% | |
| National Coverage | NSW/QLD/ACT/TAS only | National | National | |
| 24/7 Claims | Yes | Yes | Yes | |
| Parent Company | IAG | Allianz Group | Suncorp Group |
Disclaimer: Comparison data is based on publicly available information as of April 2026. Features and pricing may change. Verify details directly with each insurer before purchasing. This comparison does not constitute financial advice. Refer to ASIC's MoneySmart website (moneysmart.gov.au) for guidance.
Alternatives to NRMA Insurance
Australia's largest pure-play general insurer with 77% home insurance satisfaction - the highest among surveyed brands in CHOICE surveys.
World's top insurance brand with national coverage, strong agreed value options and 70% above-average claims satisfaction.
Australia's most-awarded value insurer with national coverage and competitive online pricing across car, home, pet and more.
National coverage with competitive pricing and the Safe Driver Rewards program. Cheapest home insurer across 47 providers in Finder's 2026 research.
Who Is NRMA Best For?
With 78% above-average claims satisfaction in CHOICE surveys, NRMA is a strong choice for customers who want confidence that their claims will be handled effectively when it matters most.
NRMA is a leading CTP green slip provider in NSW, offering competitive pricing and a straightforward online purchase process for this compulsory insurance.
With over 100 years of history and approximately 3 million customers, NRMA offers the reassurance of a well-established brand with deep roots in the Australian insurance market.
Customers in NSW, QLD, ACT and Tasmania who want to bundle car, home, contents, pet and CTP under one trusted provider will find NRMA's comprehensive range convenient.
Our Verdict on NRMA Insurance
NRMA Insurance's greatest strength is its claims handling reputation. A 78% above-average satisfaction rating from CHOICE puts it among the best-performing insurers on this critical metric - and when you need to make a claim, that track record matters more than almost anything else.
The main drawbacks are pricing and geography. Reports of premium increases exceeding 20% year-on-year, even for claim-free customers, are a significant concern. Additionally, NRMA only operates in NSW, QLD, ACT and Tasmania, leaving customers in other states looking elsewhere.
For customers within NRMA's service area who value claims handling reliability and brand trust above all else, NRMA remains a solid option. Price-sensitive customers should compare alternatives and consider negotiating at renewal time.
Common questions about NRMA Insurance
How we research and rate insurance companies
This review is based on data collected from the following sources, last verified in April 2026:
Our editorial scores (out of 10) are calculated using a weighted methodology that considers:
Disclaimer: Our review methodology is for informational purposes only and does not constitute financial advice. Scores represent editorial opinion based on publicly available data. Individual experiences may vary. Always read the Product Disclosure Statement (PDS) before purchasing insurance. For independent guidance on choosing insurance, visit ASIC's MoneySmart website at moneysmart.gov.au.
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