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From Bondi to Broken Hill…

New South Wales boasts some of Australia’s most recognisable scenery. Our Opera House and Harbour Bridge are as iconic as the Eiffel Tower or Big Ben. Our magnificent coastline is perfect for road trips from Port Macquarie to Byron Bay and from Sydney to Newcastle. Or, if you just want a taste of the quirky, Parkes has the annual Elvis Festival!

As of June 2018, NSW was home to more than six million residents old enough to drive,1 and more than five million vehicles on the roads as of January 2019.2

All of these vehicles need some form of car insurance, so here’s our breakdown of car insurance in NSW

What types of car cover are available in NSW?

Comprehensive car insurance

Comprehensive car insurance offers the most complete coverage of any product. It covers car theft, repair costs for any other driver’s vehicles and property, plus any repair/replacement costs for your own vehicle. Additional benefits may include windshield replacement, cover for your belongings, roadside assistance membership, and more!

Third Party Property

Third Party Property car insurance will pay towards the repair costs for any vehicles or property you may damage in an accident when you are at fault. It does not cover any repair costs for your own vehicle (that’s what comprehensive cover is for), so it’d be wise to keep some money aside in case your vehicle needs work in the future.

Third Party Fire & Theft

Third Party Fire and Theft insurance functions similarly to Third Party Property cover, with an added feature: cover for the replacement costs of your vehicle if it’s stolen or destroyed in an unforeseen fire incident. It still won’t cover your vehicle’s repair costs if you are at fault in a traffic incident, but it’s still a bit more robust option than Third Party Property insurance.

CTP Insurance (Green Slip)

Compulsory Third Party (CTP) insurance, also known as Green Slip cover is mandatory for driving in NSW. It covers your liability if you injure someone on the roads. In NSW, you have the option of choosing between several different providers. The NSW state government’s 'Green Slip Check' is the best resource to help you find this type of cover.

Which policy features do NSW drivers look for?

While some of the below features are only available as optional extras (at additional cost to you), they can be invaluable if you find yourself in a tight spot:

driver in nsw

Which type of car insurance should I get?

Everyone must have Green Slip insurance, but how do you know (a) which additional insurance you should buy, and (b) which policy is right for you?

Let’s figure out the answers to those questions! Let’s start with (a).

The average market value of a NSW vehicle (compared on our website) in 2018 was $19,536.  If you have spent that much money on your vehicle – especially if you continue to pay for it through a loan – wouldn’t you want to make sure that investment isn’t wasted by an accident?

That’s essentially what choosing a level of car insurance comes down to: could you afford the repair/replacement cost of your vehicle out of pocket? If not, we think comprehensive insurance is worth the investment.

Insurance typeDamage to your carDamage to another person’s car or propertyDamage or loss caused by theft or fireInjuries or death to other people in an accident
Green Slip (or CTP)NoNoNoYes
Third Party PropertyNoYesNoNo
Third Party Fire and TheftNoYesYesNo

So, how much will it cost?

The cost of car insurance in NSW depends on many different factors, each of which varies across each customer – so it’s a little hard to get an example of the average premium! Your car insurance premium will be affected by factors like your:

  • car’s model, age and parking location
  • claims history
  • driving experience (how long you’ve had your license for).

If you’re looking for car insurance in NSW, try our handy comparison tool to get a quote and find out what you can be covered for and how much it may cost you.

Why compare car insurance with us?

Cover for any driver

We get it: your situation is unique. That’s why we teamed up with some of the most respected insurance brands to give you a range of products to compare.

It’s simple to compare

Tell us a few details, and in moments you can review a number of insurers– a streamlined way to discover how much you can save on car insurance in NSW.

A service for drivers like you

We helped 20,555 Aussies (on average) compare car insurance every week in 2018. So if you’re looking for a new policy, we’re ready to help.

$0 to find NSW policies

Our service has no mark-ups, no hidden fees, and absolutely no cost to you for using our comparison service. Search to your heart’s content, or until you find the right product!

Ready to compare comprehensive car insurance in NSW?

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Car insurance in NSW: Is it different to other states?

Whether you’re insuring your car in NSW or the furthest reaches of WA – your policy isn’t really affected by the state you choose to reside. The only difference to insuring a vehicle in NSW over another state or territory is that you have to purchase CTP/Green Slip insurance before you register your vehicle, whereas elsewhere in Australia it’s part of your registration fees.

However, the environment you drive in and where your car is kept does impact your policy. Where you park your car at night, the route you take to work, and the weather elements you expose your car to – they all influence your premiums.

Car crime in NSW

NSW is – by and large – a great place to live. Like anywhere, however, there are always a few bad apples.

There were 12,290 car thefts recorded in the state of NSW in 2018.³ That works out to be around two thefts for every 1,000 vehicles registered.

According to the National Motor Vehicle Theft Reduction Council (NMVRTC), passenger and light commercial vehicles made up 9,601 of the vehicles stolen in NSW in 2018/19.⁴

car theft hotspots nsw 2018-19
Source: NMVTRC, Theft Watch – Financial year 2018/19.

Road dangers in NSW

When we become eligible to get our learner’s licence at 16, the responsibility of driving a vehicle becomes clear… because a lot can go wrong on the roads.

Around 38.9% of road fatalities in NSW in 2018 were caused by speeding.⁵ Fatigue caused an additional 19.3% of fatal accidents, and 18.4% occurred due to alcohol.

In 2018, four people in every 100,000 were killed on NSW’s road.⁶ While the state is the most heavily populated in the country, its rate of road fatalities is only sixth overall, with just VIC and ACT behind it.

Frequently asked questions about car insurance in NSW

Do you still have one or two questions? Relax! We’re here to answer them.

What’s the difference between Green Slip and comprehensive car insurance?

It’s simple! Comprehensive car insurance pays for repair costs for both yourself and other drivers – regardless of who’s at fault in an accident (provided you have not breached the law). It also covers storm and fire damage on top of theft. Green Slip (or Compulsory Third Party (CTP)) insurance is quite different, in that it will only cover your liability if you cause injury or death to another driver in an accident where you’re at fault. This type of cover is compulsory to drive legally in Australia.

Compare car insurance through our free comparison service today.

Am I stuck with a single Green Slip insurer?

Lucky for you, no. Nothing is stopping you from choosing a different Green Slip insurer if you’re not happy with the price you’re paying for cover each year. In fact, NSW is one of only three states that let you pick your Green Slip insurer.

Compare car insurance through our free comparison service today.

I’m moving house. Will my car insurance change much?

Potentially, yes. Your postcode affects your insurance premiums, because your new neighbourhood may have a higher or lower rate of drivers making insurance claims. For example, say you’re moving from Newcastle to Penrith. Penrith has a slightly higher incidence of car thefts, which may lead to a higher premium.

Furthermore, where you park your car at the end of the day once you return home also affects your premium. If you park in a locked garage, your premium will reflect the lower likelihood of it being stolen, whereas parking it on the street may have the opposite effect.

Finally, traffic accidents both in your neighbourhood and on your route to work can affect your insurance premium. It’s best to give your insurer a call when you plan on moving, so you can budget for the new price.

Compare car insurance through our free comparison service today.


  1. ABS – 3101.0 – Australian Demographic Statistics, Mar 2019. Published September 2019. Accessed October 2019.
  2. ABS – 9309.0 – Motor Vehicle Census, Australia, 31 Jan 2019. Published July 2019. Accessed October 2019.
  3. ABS – 4510.0 – Recorded Crime – Victims, Australia, 2018. Published June 2019. Accessed September 2019.
  4. NMVTRC – Theft Watch – Financial year 2018/19. Accessed October 2019.
  5. © State of New South Wales (Transport for NSW) – Crash and casualty statistics – NSW general view. Last updated October 2019. Accessed October 2019.
  6. BITRE – Road Deaths Australia – Monthly Bulletins: September 2019. Accessed October 2019.

Stephen Zeller, General Manager

Meet our car insurance expert, Stephen Zeller

As General Manager of General Insurance, Stephen Zeller works hard to make sure consumers have the facts when it comes to their car insurance, including what’s covered and how comparing policies can benefit them.

Stephen has more than 30 years of experience in the financial services industry, and is an Allied Member of the Australian and New Zealand Institute of Insurance and Finance (ANZIIF) and helps review general insurance content on Compare the Market to ensure it accurately breaks down complex insurance topics.

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