State Insurance — Car Insurance Review
3 cover tiers from IAG New Zealand Limited (State brand) · state.co.nz
Last refreshed 2026-05-20 · Data source: Supabase insurance.
Underwriter and distribution
Brand of IAG New Zealand Limited. Direct-to-consumer.
Privatised in 1990; sold to GIO, then to IAG. Sister brand to AMI and NZI. Long-standing NZ retail motor brand.
Cover tiers offered
NZ motor insurance is sold in three standard tiers. State Insurance offers 3 of them. Premiums vary by vehicle, driver age, no-claims history, location and excess — get a quote for your situation.
Comprehensive
Covers damage to your own vehicle (accident, fire, theft, malicious damage, natural disasters), damage to other people's property, plus standard inclusions like windscreen, towing, and rental car. Highest cover, highest premium.
View State Insurance policy wording ↗Third Party, Fire & Theft
Covers damage to other people's property if you cause an accident, plus fire and theft of your own vehicle. Does NOT cover accident damage to your own vehicle.
View State Insurance policy wording ↗Third Party
Covers damage to other people's property if you cause an accident. Does NOT cover any damage to your own vehicle. The minimum sensible cover for a car driven on NZ roads.
View State Insurance policy wording ↗Products and policy wordings
State Insurance publishes one consumer motor policy. We've ingested the current wording — every fact on this site is sourced from it.
State — Car Insurance
1 wording- Effective 2024-11-01 · confidence: verified · source PDF ↗
Cross-insurer matrices on `/topics/*` use the flagship product's wordings. Browse the matrices to compare this insurer's facts against the rest of the NZ motor panel.
Machine-readable API for this page
This page is also available as a structured API for AI agents, brokers and developers — free, no auth, CC BY 4.0.
GET /api/insurer/state/facts.json— full insurer profile (JSON)GET /api/insurer/state/summary.md— markdown summary (LLM-friendly)POST /mcp— anonymous Model Context Protocol server (5 tools)
Get a quote — State Insurance car insurance
Compare State Insurance alongside other NZ motor insurers. Free, no obligation.
Get Quotes