CTP insurance in South Australia

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Top 3 things to know about SA CTP insurance


CTP insurance is mandatory in South Australia

Like other Australian states and territories, all cars registered in South Australia are required by law to have CTP insurance.

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South Australia has community-rated premiums

CTP insurance premiums in South Australia are based on your car, not your driving history.

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CTP insurers have user ratings

Each CTP insurer in South Australia has a claimant service rating (CSR) out of 100.

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A guide to CTP insurance in South Australia

Updated 30 April 2024
Written by Kenneth Young
Reviewed by Adrian Taylor

What is CTP insurance in South Australia?

A woman driving a car.Compulsory Third Party (CTP) insurance is mandatory cover for vehicle owners registering cars in South Australia. The CTP insurance scheme covers your legal liability for injuries or deaths you cause in a car accident. Road users covered by CTP may include other motorists, passengers, cyclists and pedestrians.

The CTP Insurance Regulator manages the CTP scheme in South Australia, and premiums are typically included in your vehicle registration through Service SA.1 Insurance companies that provide CTP in the state include AAMI, Allianz, NRMA, QBE and Youi.2 The name of your insurance provider is typically on your registration renewal notice.

What does CTP insurance in South Australia cover?

The CTP scheme in South Australia may provide injured people compensation for the following:

  • Medical expenses
  • Lost income
  • Pain and suffering.4

You may also receive compensation if the accident was partially your fault, but at a reduced amount.

While South Australia’s CTP scheme works on an at-fault basis, injured children under 16 years of age are typically covered regardless of fault.5

What does CTP insurance in South Australia not cover?

Two drivers exchanging insurance information after a car accident.CTP insurance policies don’t cover damage to vehicles and property – comprehensive car insurance usually covers these damages. Third party car insurance products may also cover damages to other vehicles and property, but typically only covers your own car in limited instances.

You also won’t be covered if you go against your obligations set in the Policy of Insurance. Some ways you can void your CTP cover include driving:

  • An unroadworthy car
  • Under the influence (drugs or alcohol)
  • Dangerously
  • With the intention of causing injury
  • Without the vehicle owner’s permission
  • Without a valid driver’s licence.6

You’ll also fail to meet your Policy of Insurance obligations if you don’t stop after the car accident (known as a hit and run).6

In South Australia, CTP typically won’t cover the injuries of the at-fault driver, including a single vehicle accident (e.g. if you hit a tree).7 However, if you sustain life-long injuries, you may be eligible for cover under the Lifetime Support Scheme (LSS), which is managed by the Lifetime Support Authority (LSA). The LSS is an initiative that covers serious injuries from motor vehicle accidents and is funded by a levy that’s included in your registration fees.8

How much are CTP premiums in South Australia?

CTP insurance premiums in South Australia are community-rated, meaning that they’re calculated based on the vehicle, not the driver’s history. Some things that will factor into your premiums include:

  • Vehicle type and use.
  • Parking location.
  • Input Tax Credit (ITC) entitlement.9

The CTP Insurance Regulator also charges a Services fee, which includes an Administration Fee and Stamp Duty. The Administration Fee covers the following services:10

  • Ambulances
  • Blood sample testing
  • CTP scheme regulation and administration
  • Customer support and transaction processing
  • Hospital costs
  • Rescue and retrieval helicopters
  • Road safety.

What is a claimant service rating for CTP insurers?

The claimant service rating (CSR) is an average score out of 100 for each CTP insurer in South Australia. The CSR may help drivers make an informed decision on their CTP cover, as it’s based on driver ratings.

CSRs are calculated from survey feedback received from South Australians three months after their CTP claim, where they’re asked to rate their experience from 0 (worst) to 100 (best).3 The CSR for each CTP insurer in South Australia can be found on the CTP Insurance Regulator website.

Meet our car insurance expert, Adrian Taylor

Adrian Taylor
Executive General Manager – General Insurance

As the Executive General Manager of General Insurance at Compare the Market, Adrian Taylor has over 13 years’ experience in the financial services industry. Adrian specialises in customer experience and is dedicated to helping customers better understand insurance products so they can save money on their household bills.

  1. Government of South Australia – Vehicle insurance. Accessed 29 April 2024.
  2. CTP Insurance Regulator – CTP Insurers. Accessed 29 April 2024.
  3. CTP Insurance Regulator – Claimant service rating. Accessed 29 April 2024.
  4. CTP Insurance Regulator – How does motor vehicle accident insurance work in South Australia?. Accessed 29 April 2024.
  5. CTP Insurance Regulator – CTP claims for children injured in motor vehicle accidents. Accessed 29 April 2024.
  6. CTP Insurance Regulator – Policy of Insurance. Accessed 29 April 2024.
  7. CTP Insurance Regulator – About CTP insurance. Accessed 29 April 2024.
  8. Government of South Australia – Calculate vehicle registration fees. Accessed 29 April 2024.
  9. CTP Insurance Regulator – How CTP premiums are set. Accessed 29 April 2024.
  10. CTP Insurance Regulator – CTP Scheme Services fee. Accessed 29 April 2024.