The Answer
$300 to $900/year
Included in rego in most states. Separate purchase (Green Slip) in NSW. Covers injuries to others, not damage to your car or property.
What CTP Covers
| Covered | Not Covered |
|---|---|
| Injuries to other people in an accident | Damage to your own car |
| Medical expenses for injured parties | Damage to other people's property |
| Lost income for injured parties | Theft of your vehicle |
| Death benefits | Your own injuries (in some states) |
How CTP Works by State
| State | System | How You Get It |
|---|---|---|
| NSW | Competitive (6 insurers) | Buy a "Green Slip" separately — compare prices |
| VIC | Government monopoly (TAC) | Included in rego — no choice of insurer |
| QLD | Competitive | Included in rego — can choose insurer |
| WA | Government (ICWA) | Included in rego |
| SA | Competitive | Included in rego |
| TAS | Government (MAIB) | Included in rego |
| ACT | Competitive | Separate purchase (MAI insurance) |
| NT | Government (TIO) | Included in rego |
CTP vs Comprehensive vs Third Party Property
CTP only covers injuries to people. You likely also want:
- Third Party Property: Covers damage your car causes to other people's property (cars, fences, poles). Cheap — typically $200–$400/year.
- Comprehensive: Covers everything — damage to your car, other cars, theft, fire, hail. More expensive — $800–$2,000+/year depending on car and driver.
Frequently Asked Questions
Is CTP the same as car insurance?
No. CTP covers injuries to other people only. It doesn't cover damage to your car or their property. You need separate car insurance (comprehensive or third party property) for that.
Can I drive without CTP?
No. CTP is legally required to register a vehicle in every state. Driving unregistered means driving without CTP — which is illegal and financially reckless.
Why is my Green Slip so expensive?
In NSW, Green Slip prices vary by insurer, postcode, age, and vehicle type. Young drivers and drivers in high-claim postcodes pay more. Always compare at greenslips.com.au or the SIRA price check tool.
What Changed
Apr 2026
CTP fee schedules verified for 2025–26