Vehicles & Usage
Toyota Aqua Car Insurance Costs in New Zealand: 2026 Premium Data & Quote Comparison
Looking for Toyota Aqua car insurance in New Zealand? Insurspy aggregated historical quote results from 14 March 2025 to 22 August 2026. The data helps show past differences by cover type, insurer and location, but it cannot replace a current personalised quote.
Quick answer: across the Toyota Aqua results analysed, the average annual premium was NZ$1,896.25 for comprehensive cover, NZ$859.34 for third party, fire and theft (TPFT), and NZ$347.84 for third party only (TP).
When you compare New Zealand car insurance quotes, look beyond the premium at the excess, cover limits, exclusions and agreed value.
Summary
- Comprehensive cover was the most common cover type in these results, with an average annual premium of NZ$1,896.25 and a median of NZ$1,811.42.
- Historical comprehensive premiums ranged from NZ$473.66 to NZ$6,784.87. This is an observed range, not a price that any driver is guaranteed to receive.
- For average comprehensive premiums, COVE was NZ$1,428.88, ANZ was NZ$1,497.05 and AMP was NZ$1,497.64.
- In like-for-like comprehensive comparisons, ANZ had the lowest-price share of 47.1%, followed by COVE at 40.7% and AMP at 33.3%. The number of comparable results differed by insurer.
- Large differences appeared in matched results. One 2013 comprehensive comparison for Warkworth, Auckland (0910) had a NZ$3,636.32 annual gap between the lowest and highest prices.
| Cover type | Quotes analysed | Average annual premium | Median annual premium | Historical range |
|---|---|---|---|---|
| Comprehensive | 4,779 | NZ$1,896.25 | NZ$1,811.42 | NZ$473.66–NZ$6,784.87 |
| Third party | 330 | NZ$347.84 | NZ$302.40 | NZ$127.14–NZ$868.63 |
| Third party, fire and theft | 742 | NZ$859.34 | NZ$797.56 | NZ$318.03–NZ$2,452.18 |
Comprehensive premiums by insurer
This table compares average values from Toyota Aqua comprehensive quote results. A lower historical average does not mean an insurer will be cheaper for every driver, location or policy choice.
| Insurer | Quotes analysed | Average annual premium | Median annual premium | Average excess | Average agreed value |
|---|---|---|---|---|---|
| COVE | 467 | NZ$1,428.88 | NZ$1,326.10 | NZ$486.19 | NZ$9,570.55 |
| ANZ | 442 | NZ$1,497.05 | NZ$1,293.22 | NZ$548.98 | NZ$11,166.29 |
| AMP | 631 | NZ$1,497.64 | NZ$1,450.12 | NZ$538.83 | NZ$9,451.71 |
| AA | 657 | NZ$1,800.28 | NZ$1,734.41 | NZ$485.84 | NZ$9,618.98 |
| State | 637 | NZ$1,972.48 | NZ$1,917.37 | NZ$488.07 | NZ$9,688.26 |
| AMI | 633 | NZ$2,037.53 | NZ$1,975.48 | NZ$491.00 | NZ$9,690.38 |
| Tower | 664 | NZ$2,300.33 | NZ$2,201.19 | NZ$485.02 | NZ$9,551.23 |
| Trade Me | 648 | NZ$2,363.82 | NZ$2,262.14 | NZ$485.88 | NZ$9,550.42 |
Average annual premiums for other cover types
| Cover type | Insurer | Average annual premium | Median annual premium | Quotes analysed |
|---|---|---|---|---|
| Third party | ANZ | NZ$184.86 | NZ$180.27 | 36 |
| Third party | State | NZ$227.27 | NZ$224.61 | 47 |
| Third party | AMP | NZ$247.32 | NZ$235.41 | 47 |
| Third party, fire and theft | ANZ | NZ$499.02 | NZ$462.81 | 72 |
| Third party, fire and theft | AMP | NZ$541.27 | NZ$497.05 | 110 |
| Third party, fire and theft | AMI | NZ$793.03 | NZ$723.86 | 109 |
Location examples: 2012 Toyota Aqua comprehensive cover
These are examples from the same vehicle year and cover type. They show observed quotes by location and insurer; they do not show that location itself caused a premium difference.
| Location | AMP | ANZ | COVE | AA | State | AMI | Tower | Trade Me |
|---|---|---|---|---|---|---|---|---|
| Albany, Auckland (0632) | NZ$1,206.49 | NZ$1,011.03 | NZ$1,183.49 | NZ$1,665.13 | NZ$1,718.72 | NZ$1,779.33 | NZ$2,693.81 | NZ$2,789.64 |
| Auckland Central, Auckland (1010) | NZ$1,490.68 | NZ$2,906.12 | NZ$2,214.54 | NZ$2,183.38 | NZ$2,218.60 | NZ$2,407.51 | NZ$2,718.21 | NZ$2,814.95 |
| Milford, Auckland (0620) | NZ$1,160.27 | NZ$711.29 | — | NZ$1,497.21 | NZ$1,609.70 | NZ$1,671.69 | NZ$1,542.89 | NZ$1,597.07 |
| New Lynn, Auckland (0600) | NZ$1,207.97 | NZ$1,036.19 | NZ$1,034.17 | NZ$1,624.87 | NZ$1,614.91 | NZ$1,672.69 | NZ$1,987.60 | NZ$2,058.11 |
Like-for-like comparisons: how wide were the gaps?
A like-for-like comparison matches the same vehicle, driver information, cover type and other comparable details before comparing insurers. These are historical comprehensive results, not predictions of future premiums.
| Vehicle year | Location | Lowest premium | Highest premium | Full annual spread |
|---|---|---|---|---|
| 2013 | Warkworth, Auckland (0910) | AMP: NZ$3,148.55 | Trade Me: NZ$6,784.87 | NZ$3,636.32 |
| 2016 | New Lynn, Auckland (0600) | AMP: NZ$1,822.44 | Trade Me: NZ$5,222.46 | NZ$3,400.02 |
| 2013 | Ponsonby, Auckland (1011) | AMP: NZ$1,759.60 | Trade Me: NZ$4,945.00 | NZ$3,185.40 |
| 2020 | Mount Albert, Auckland (1025) | AMP: NZ$2,365.98 | ANZ: NZ$5,422.18 | NZ$3,056.20 |
| 2017 | Massey, Auckland (0614) | AMP: NZ$1,619.43 | Tower: NZ$4,622.84 | NZ$3,003.41 |
Toyota Aqua vehicle-year mix
Insurspy matched 564 Toyota Aqua hatchbacks in these results. Vehicle year is one item in quote information, but this table does not show that a vehicle year causes a particular premium.
| Vehicle year | Vehicles | Approximate share |
|---|---|---|
| 2012 | 99 | 17.6% |
| 2013 | 106 | 18.8% |
| 2014 | 101 | 17.9% |
| 2015 | 68 | 12.1% |
| 2016 | 73 | 12.9% |
| 2017 | 48 | 8.5% |
| 2018–2021 | 67 | 11.9% |
How we compared the quotes
Insurspy analysed aggregated historical quote results for 564 Toyota Aquas and 5,851 insurer price results between 14 March 2025 and 22 August 2026. All figures are annual premiums in New Zealand dollars. Monthly payment costs, policy terms and eligibility may differ.
We separated comprehensive, third party, and third party, fire and theft cover. Where matching details were available, we compared lowest-price shares and price spreads on a like-for-like basis. Results describe historic information only. Insurers use current vehicle, address, driver, claims and driving history, use, parking, cover choices and other underwriting details when providing a live quote.
Comparison reminder: New Zealand Government consumer guidance says to compare more than the premium, including cover, exclusions, optional benefits and claims conditions. A higher excess may reduce the premium, but should remain affordable if you need to claim.
Practical checks before buying
| Check | Why it matters | Practical action |
|---|---|---|
| Cover type | Comprehensive, TPFT and TP protect different things | Choose cover based on whether you need cover for your own vehicle, fire or theft, or third-party damage only |
| Excess | A lower premium can come with a higher claim cost | Check the standard excess and any special excesses |
| Agreed value | Vehicle values differed between quote results | Check that the agreed value meets your expectations |
| Disclosure | Incomplete information can affect cover or a claim | Give the insurer all relevant and accurate information |
| Renewal quote | A renewal price may not be the best current option | Get fresh live quotes before renewing |
What New Zealand drivers discuss on Reddit
The following are individual public discussions and anecdotes. They are not representative evidence and are not a substitute for policy wording or a personalised quote.
- In this r/PersonalFinanceNZ discussion about Toyota Aqua insurance, participants describe varying Aqua quotes and commonly raise the value of getting several quotes.
- In this r/newzealand discussion about Aqua theft concerns, owners and prospective buyers discuss security devices, steering locks and worries about theft-related excesses.
- In this r/newzealand renewal discussion, participants share concerns about renewal increases and personal experiences with different insurers.
These discussions help illustrate consumer concerns, but reported prices, policy features and insurer comparisons are personal anecdotes and should not be treated as factual evidence.
Frequently asked questions
What is the average Toyota Aqua comprehensive premium?
The average annual comprehensive premium in these historical results was NZ$1,896.25, with a median of NZ$1,811.42. Your current quote may be substantially different.
Is third party cover always the cheapest option?
Third party cover had the lowest overall average premium in these results, but it also has a different level of protection. Compare cover needs before choosing based on price alone.
Why should I get fresh quotes?
Historical results show past prices only. Your address, driving information, vehicle value, use, parking, excess and cover choices can all affect a current quote and its conditions.
What should I disclose to an insurer?
Give the insurer all relevant information accurately. The Insurance Council of New Zealand says non-disclosure can affect acceptance, pricing, conditions and claims outcomes.
Author and content note
This guide was prepared by the Insurspy editorial team for New Zealand Toyota Aqua owners seeking consumer comparison information. Price statistics come from Insurspy aggregated historical quote results; general insurance guidance comes from New Zealand Government and Insurance Council consumer information. This is not financial, legal or underwriting advice, and it is not an insurer quote or recommendation.
Final reminder: before buying or renewing, get fresh live quotes and read the policy documents, exclusions, excesses and cover limits carefully.
References
- Insurspy data note: aggregated historical Toyota Aqua quote results, 2025-03-14 to 2026-08-22.
- New Zealand Government Consumer Protection: Car insurance
- Insurance Council of New Zealand: Duty of Disclosure: What to Tell Your Insurer