Need to know
- CTP car insurance is compulsory in Australia, but it works differently in each state
- CTP car insurance covers you against compensation claims if someone is injured in an accident – the injured person is covered for costs, including medical treatments and lost income
- Depending on where you live, CTP car insurance may not cover you for your own injuries if you're at fault
Compulsory third party (CTP) insurance – called a green slip in NSW – is compulsory in Australia. It covers you against paying compensation to people injured in an accident that you caused.
CTP insurance doesn't cover damage to your car or any other cars. This is covered by comprehensive car insurance.
CTP insurance is administered by the states, so it works differently depending on where you live. The main differences are:
- who's covered
- what you're covered for and how much compensation is paid
- cost of CTP car insurance
- choice of insurer.
On this page:
Who does CTP insurance cover?
CTP insurance covers people injured in a car accident. This can include:
- you and your passengers
- anyone else driving your car
- drivers and passengers of other vehicles
- other road users, including cyclists and pedestrians
- compensation for dependants and funeral expenses if anyone died as a result of the accident.
What does CTP insurance cover?
If someone is injured, they're usually covered for the following:
- medical treatment
- loss of income
- rehabilitation.
Australian Capital Territory, Northern Territory, Tasmania and Victoria all have no-fault schemes, meaning the driver who is at fault is also covered by the scheme. Queensland, South Australia and Western Australia have an at-fault scheme, which means the driver who is at fault can't claim CTP insurance compensation. New South Wales has a mixed scheme where the at-fault driver receives less compensation.
But all four states with an at-fault scheme cover anyone who was in a road accident, including at-fault drivers if they have catastrophic permanent injuries, such as spinal cord or brain injuries.
In NSW, NRMA also offers at-fault driver protection cover as a free add-on to CTP insurance. At-fault driver protection pays out lump sums for serious injuries like paraplegia or losing a limb.
If a driver is charged with a serious driving offence such as drink driving, they usually won't be able to claim benefits for themselves.
Common law claims
In a number of states, you can also make a claim for compensation under common law. You normally need to prove negligence by someone else and you may be able to make a claim if your injury is severe and permanent. Strict time limits apply.
How much does CTP insurance cost?
The cost of CTP car insurance varies, depending on the state you live in and which insurer you go with. Choose your state below to get an idea of CTP insurance prices for 'Class 1' cars and station wagons. We also outline what's covered and give an overview of your options in terms of insurer.
CTP insurance by state
In the ACT, you're required to buy compulsory third-party (CTP) insurance every year as part of the vehicle registration process. In this state, it's usually called Motor Accident Injuries (MAI) insurance, which is a no-fault scheme that was introduced in 2020. This provides up to five years of medical treatment, care and replacement for lost income for anyone injured in a road accident, including the at-fault driver.
What's covered under CTP insurance in ACT?
- Medical expenses: including dental, rehabilitation, in-home care and some transportation for up to five years.
- Lost income: low-income earners can get their full income including super replaced, but there is a $2250 weekly cap for high-income earners.
- Quality of life benefit in cases of permanent injury.
- Funeral expenses of up to $15,000.
- Death benefit for dependants: the partner or former partner of the person who died can claim $190,000; $40,000 can be paid for each child up to four children.
How much does CTP insurance cost in the ACT?
In the ACT, CTP premiums are community rated which means that all drivers of the same vehicle class pays the same premium regardless of their age, claims or driving history.
Which CTP insurer is best in the ACT?
You can select CTP insurance from four insurers. They all provide exactly the same cover but charge slightly different premiums:
- AAMI: $394
- APIA: $426
- GIO: $397
- NRMA: $394
Note: Prices as of July 2025, based on Class 1 cars and station wagons without Input Tax Credit Entitlement (ITCE) for 12 months cover, rounded to the nearest dollar. Costs for other vehicle types differ.
Insurers may offer incentives like cashbacks or discounts if you hold other policies with them.
Contacts
Phone: 1300 209 642
Motor Accident Injuries Commission (contact through Access Canberra)
Phone: 13 22 81
Email: [email protected]
In NSW, CTP insurance is called a green slip. You need to buy a green slip when you renew your vehicle registration.
CTP green slip insurance in NSW is regulated by the State Insurance Regulatory Authority (SIRA).
What's covered under CTP insurance in NSW?
Anyone injured, including the at-fault driver, is covered for ambulance and initial medical expenses.
You can also receive compensation for up to six months (26 weeks), including:
- income support of up to 95% of your salary for the first 14 weeks, and after that up to 85% up to two years depending on how severe your injuries are and if you were at fault
- medical and dental treatment and rehabilitation expenses, as well as travelling expenses to get to appointments
- help around the home
- funeral expenses if someone died as a result of the accident
- compensation for the dependants of someone who died as a result of a car accident.
If you're not at fault and have serious injuries, you may be able to claim benefits beyond six months.
If you have a catastrophic permanent injury, such as a brain or spinal cord injury, amputations, burns or permanent blindness, you may receive lifetime treatment, rehabilitation and care even if you were at fault.
How much does a green slip cost in NSW?
The average annual premium for a CTP green slip for a car was $458 in July 2025. Premiums vary depending on your vehicle type and age, region and insurer.
Use Green Slip Price Check to get a quote from all insurers.
Which is the best CTP green slip insurer in NSW?
Green slips in NSW are offered by six insurers:
- AAMI
- Allianz
- GIO
- NRMA
- QBE
- Youi.
NRMA offers additional lump sum amounts for at-fault drivers with serious injuries
Compensation for at-fault drivers
|
NRMA |
| Quadriplegia |
$500,000 |
| Paraplegia |
$250,000 |
| Amputation of both hands and both feet |
$150,000 |
| Amputation of both hands or both feet |
$75,000 |
| Amputation of one hand and one foot |
$100,000 |
| Amputation of one hand or one foot |
$50,000 |
| Amputation of thumb and forefinger on one hand |
$25,000 |
| Total loss of sight – one eye |
$50,000 |
| Total loss of sight – both eyes |
$100,000 |
| Loss of speech |
$100,000 |
| Loss of hearing |
$100,000 |
| 3rd degree burns >10% of body |
$20,000 |
| Fracture of pelvis, skull or spinal vertebrae |
$10,000 |
| Death |
$25,000 |
Contact
SIRA offers a service assisting people who need to make a claim called CTP Assist.
Phone: 1300 656 919
Email: [email protected]
The Northern Territory has a no-fault scheme. It's called the Motor Accidents Compensation (MAC) Scheme and is provided by TIO on behalf of the NT government. CTP is paid as part of the registration cost.
What's covered under CTP insurance in NT?
- Medical and dental treatment
- Rehabilitation
- Replacement of 85% of your lost average weekly income
- Care and support services such as in-home care
- Treatment for serious and permanent injuries such as spinal cord or brain injuries
- Return to work support
- Modifications to your home
- Aids and equipment
- Emergency travel so you can be with an injured loved one
- Funeral expenses
- Compensation for the dependants if someone died
How much does CTP cover cost in NT?
CTP costs are included in the registration fee.
For example, as of July 2025, the CTP cost for light vehicles with 1.5–2L engine size and four cylinders (such as a Hyundai i30) was $841 for 12 months (includes registration cost).
Check out NT registration fees for more information.
Contact
The Motor Accidents Compensation Commission (MACC)
Phone: 1300 493 506
Email: [email protected]
Queensland has an at-fault scheme regulated by the Motor Accident Insurance Commission (MAIC).
You can only make a claim if someone else was at fault in the accident; if you were partly at fault your compensation may be reduced, and if you were at fault, you won't be compensated.
It also requires you to prove that the at-fault driver was negligent.
What's covered under CTP insurance in Qld?
Claims are assessed individually, but you may be able to claim:
- medical treatment
- rehabilitation
- loss of income
- cost of care and support services
- general damages (pain and suffering) if your injury is severe enough
- funeral costs if someone died
- financial loss if you're the spouse or a dependant, such as a dependent child of the person who died.
Regardless of who's at fault, if you have a catastrophic injury, you're covered for treatment, care and support through the National Injury Insurance Scheme in Queensland (NIISQ).
Injuries covered include:
- spinal cord injuries
- traumatic brain injuries
- limb amputations
- brachial plexus injuries that could leave your arm paralysed
- severe burns
- blindness.
How much does CTP cover cost in Qld?
The Motor Accident Insurance Commission has a CTP Premium Calculator.
The premium cost for all insurers was $387 for 12 months CTP insurance as of July 2025. This price was for Class 1 cars and station wagons, not eligible for input tax.
CTP insurance in Queensland is offered by:
Contact
The Motor Accident Insurance Commission (MAIC)
Phone: 1800 287 753
Email: [email protected]
South Australia has an at-fault scheme that you pay for when you renew a vehicle's registration. Under this scheme:
- the driver who is at fault is not covered
- the driver is not covered in cases of accidents when no-one is at fault – for example, if you hit a kangaroo
- if you're partially at fault, your compensation will be reduced
- regardless of fault, CTP insurance covers children aged under 16 years.
What's covered under CTP insurance in SA?
You are covered for:
- medical costs
- lost income
- non-economic loss, such as pain and suffering.
Regardless of fault, if you have a catastrophic injury you are potentially covered under the Lifetime Support Scheme. Injuries covered include:
- quadriplegia
- paraplegia
- brain injury
- severe burns
- amputation
- blindness.
How much does CTP cover cost in SA?
All insurers provide the same cover and charge the same amount for CTP, but they can offer incentives such as multipolicy discounts.
You can select CTP insurance from five insurers in SA. They all provide exactly the same cover but charge slightly different premiums:
- AAMI: $268
- Allianz: $262
- NRMA: $266
- QBE: $262
- YOUI: $262
Note: As of July 2025, for 12 months of CTP for a private passenger vehicle in metropolitan Adelaide or the Hills, regional prices are cheaper.
The CTP insurance regulator has a CTP premium calculator.
Which CTP insurer is best in SA?
The SA CTP Insurance Regulator surveys all people who have had a CTP claim and publishes a service rating – the higher the rating, the better. Here are the results for the 12 months to June 2025:
- AAMI: 86%
- Allianz: 84%
- NRMA: 86%
- QBE: 80%
- Youi: 85%.
Contact
The CTP Insurance Regulator
Phone: 1300 303 558
Email: [email protected]
Tasmania has a no-fault CTP scheme provided by the Motor Accidents Insurance Board (MAIB).
This means the driver who is at fault is also protected. MAIB is the insurer in Tasmania.
What's covered under CTP insurance in Tas?
- Medical and disability benefits such as ambulance, treatment, aids, home modification, travel and housekeeping up to $500,000.
- Income compensation: If you're unfit to work for up to two years, depending on your normal income you can receive up to 80% of your wage and three times the average adult weekly earnings.
- Fatal injuries: MAIB will cover up to $13,433 for the funeral expenses of someone who died as a result of the accident. Dependants will receive a lump sum of $88,000. There is an additional lump sum if there are two or more dependants and one is a dependent child. The amount varies and is based on the age and dependency of the child or children.
What does CTP cover cost in Tas?
The cost of CTP in Tasmania is the lowest in Australia. The CTP premium is part of your vehicle registration fee.
- $318 is the 12-month registration fee including CTP for normal motor and light goods vehicles.
- $258 is the concession rate for pensioners and asylum seekers.
Note: These prices are for registrations and renewals from 1 December 2024.
Contacts
MAIB
Phone: 1800 006 224
Email: [email protected].
Victoria has a no-fault CTP scheme provided by the Transport Accident Commission (TAC).
This means the driver who is at fault is also protected. TAC is the insurer in Victoria.
What's covered under CTP insurance in Vic?
You are covered for:
- medical treatment including ambulance, dental and physio
- travel and accommodation to get to medical appointments or to visit injured loved ones
- income support while you are unable to return to work full time. Support is also available if you have a loss of earning capability after 18 months up to three years, or reviewed every five years if your impairment is 50% or more
- compensation (lump sum payment) which can include a benefit if you have suffered a permanent injury
- if someone died, compensation to family members including funeral costs up to $19,330, compensation for travel and counselling up to $20,520 for a dependent spouse, and compensation for dependent children based on their circumstance.
What does CTP cost in Vic?
Cost depends on your type of car and where you live. Postcodes are divided into three areas: high risk, medium risk and low risk.
There is a 12-month TAC charge (including duty and GST) for a sedan, station wagon (including 4WD) or related car in 2025:
- $587 – high risk
- $528 – medium risk
- $458 – low risk
See Victoria's TAC.
Discounts are available for pensioners, concession card holders and apprentices of an eligible trade.
Contacts
TAC
Phone: 1300 654 329 (for urgent matters)
Email: [email protected].
CTP insurance in WA is called Motor Injury Insurance and is operated by the Insurance Commission of Western Australia. CTP insurance is fault based – you'll only be covered if you weren't negligent and are not at fault.
What's covered under CTP insurance in WA?
If you are injured in an accident and not at fault, you are covered for:
- Compensation for pain and suffering (and other general damages)
- loss of wages
- claims management expenses
- care and support such as medical treatment and rehabilitation.
If you have a catastrophic injury such as a traumatic brain injury, multiple amputations, severe burns or a spinal cord injury you are covered regardless of fault under the Catastrophic Injury Support scheme.
This can include:
- ambulance, medical (including pharmaceuticals) and dental treatment and rehabilitation
- support services such as domestic assistance
- aids, appliances and prostheses
- education and vocational training
- home and transport modification.
What does CTP cover cost in WA?
The Motor Injury Insurance charges $505 in fees in 2025/2026 for 12 months for a normal motor car. Check Transport WA.
Contacts
Insurance Commission of Western Australia
Phone: (08) 9264 3333 or 1800 643 338 (outside Perth metropolitan area)
Or via online webform.
What if you have an accident interstate?
Your CTP insurance will protect you from paying compensation anywhere in Australia.
- If you have an accident interstate, the CTP insurance conditions of the state where the accident occurred will be applied.
- If you have an accident with a car that is registered in another state, you need to make a claim against the CTP insurer of the driver who is at fault. The laws of the state in which the accident happened will be applied.
If you are in ACT, NT, Tas or Vic, you will be covered regardless of fault.
But if you are an at-fault driver, you may not get any compensation for your injuries under CTP insurance if you are in Qld, SA or WA. In NSW your compensation could be reduced if you're at fault.
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