How does an accident affect the price of my green slip?

If you have an accident and it’s your fault, the price of your green slip could go up. Any demerit points will push the price up further. Remember, you get a cheaper green slip for safe driving, with no at-fault accidents or demerit points.

What’s the extra green slip cost after an at-fault accident?

We used the green slip calculator at 1 August 2026 for a driver, 42, with a station wagon in Sydney. He had an at-fault accident in the last 2 years.

Greenslip price for station wagon

• The station wagon driver pays up to $5 more for a green slip.

Greenslip price for ute

Next we used the green slip calculator at 1 August 2026 for a driver, 34, with a ute in Sydney. One had no accidents, one had an at-fault accident in the last 2 years.

• After a recent at-fault accident, the ute driver could pay up to $122

The range of green slip prices shows insurers treat an at-fault accident in different ways. Some insurers treat a recent at-fault accident as more risky than others do. We found prices after an accident increase much more for a young driver of 24.

It pays to compare green slip prices.

What’s the extra cost of a green slip after an accident plus demerit points?

A green slip will cost more if, on top of an at-fault accident, you received demerit points as well.

Greenslip price for station wagon with accident and demerit points

• The station wagon driver with 2 demerit points pays up to 41% more than the one with no accident or points.

Greenslip price for ute with accident and demerit points

• The ute driver pays up to 40% more than the driver without accident or demerit points.

Having an accident and getting demerit points increase your risk to the insurer and push up the price of your green slip for more than a year:

• Demerit points stay for 3 years on your licence.
• Over time, any effects of an accident on your green slip price will start to reduce.
• Until they do, your green slip is probably going to cost you more.

Read more about how your driving record affects your green slip price.

How do I know the crash was my fault?

Your green slip insurer decides whose fault it was. A crash is distressing and it’s not always clear afterwards who caused it.

• Insurers use evidence, such as dashcams, witness statements and photographs, to decide.
• The law says at fault means you were 100% at fault or you contributed more than 61% to the accident (known as contributory negligence).

Say goodbye to unwanted emails and phone calls. With us, you can compare every green slip insurer in NSW without the hassle of giving away your personal details. Enjoy the freedom of free open access.