Greenslips for L and P platers

Are you on your Ls, red P1 or green P2 plates and need a green slip? Green slips can be expensive for you or your parents. Find out what a green slip costs for L and P platers and how to keep those prices down.

What is a green slip anyway?

A green slip is compulsory third party (CTP) insurance. It covers you in case someone is seriously hurt or killed in a crash involving your car. It means you don’t have to compensate them out of your own pocket.

Do green slips cost more for a P plater than a learner?

No. Green slip prices for the L plater or P plater are the same, even though the L plater is supervised by a fully licensed driver.

Do parents pay more for L or P plate drivers who use the family car?

Yes, parents pay more for a green slip when L or P platers use the family car. A green slip could cost $276 more in a Metro area, $226 more in Wollongong and around $200 more in other areas of NSW.

Extra cost of a green slip with L and P plate drivers

* These green slip prices are based on L or P platers aged 19 who share the family car, a 10-year-old Toyota Rav4, at 1 June 2026. Extra paid is on the cheapest green slip price.

In fact, parents with an L or P plater driving the family car pay the same price as this L or P plater would pay in their own car. So it’s worth sharing a car and the cost of a green slip with parents.

• If you’re sharing the family car, parents use their details and young driver details to get a green slip quote.
• Research shows P-platers who share their parents’ car tend to drive more safely and communicate more about where they’re going.

Do parents have to state there’s a learner or P plater?

Yes, parents must state whether there’s a learner or P plater.

• If there’s a crash, insurers must provide green slip cover even if this driver was not declared.
• Insurers are entitled to ask for the premium that should have been paid and charge a penalty if the parent knowingly gave false information.

How much is a green slip if I drive my own car on L or P plates?

Green slip prices are the same for the L or P plater driving their own car as their parents would have paid if they shared their car.

These are prices for a 19 year old female L or P plater of an insured 2017 Rav4 in a Metro and Country area, at 1 June 2026:

Metro and country green slip prices for L or P platers

• It’s cheaper for the L or P plater to share the cost of one green slip on the family car.

We used the green slip calculator to calculate green slip prices.

Why are green slip prices for L and P plate drivers so high?

Green slip prices are high because:

• Supervising a learner can be dangerous and stressful. Even though there is a responsible driver, accidents can happen.
• Once learners get their P-plates, they’re no longer supervised. Lack of experience can be risky to themselves and others, especially during the first month of P1s.
• While P1 drivers are only 2% of all drivers, they represent 20% of deaths and die at twice the rate of all drivers.
• Owning a car is expensive so many P-platers drive vehicles that are old and lack safety features.

These factors push up the price of green slips for L and P platers.

How can I reduce the price of my green slip?

You can reduce the price of your green slip by changing the factors that count for pricing.

Insurers use these factors to set prices:

• Where you live (Metro, Outer metro, Country, Wollongong, Newcastle and Central Coast)
• Type, performance and age of vehicle
• Age and gender of owner and youngest driver
• Driving history – offences, demerit points, years licensed
• Claims history – other insurance held, at-fault claims.

Parents where possible can encourage young drivers to drive a newer, safer vehicle.

Demerit points make a big difference to green slip prices. In fact, learners and P platers can quickly lose their licences with only a few demerit points.

Maximum demerit points before losing L and P licences

When it comes to your green slip, the best way to keep prices down is to start as you mean to go on. This is the time to build a clean driving history with no offences, demerit points, or insurance claims. It will pay in the long run.

Compare green slip prices now.