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

If you have an accident and it’s your fault, your green slip price could go up. If you also make a claim or incur demerit points, this also pushes up your green slip price. Remember, you pay less for safe driving, with no accidents or demerit points.

How much more could my green slip cost after an at-fault accident?

We used the green slip calculator at 1 December 2025 for a man, 42, with a station wagon in the Metro area. One was a safe driver, one had an at-fault accident in the last 2 years.

Green slip price for man with station wagon

Next we used the green slip calculator at 1 December 2025 for a woman, 34, with a ute in the Metro area. One was a safe driver, one had an at-fault accident in the last 2 years.

Green slip price for woman with ute

• After a recent at-fault accident, the ute driver has to pay an average 34.9% more.
• The station wagon driver has to pay 35.4% more for a green slip.

However, the price range shows insurers treat fault in an accident in different ways. It pays to compare green slip prices.

How much more could my green slip cost with demerit points as well?

On top of the accident, you may also incur demerit points for a driving offence. If it was related to alcohol or drugs, you may get a licence suspension (temporary loss of licence for a fixed period).

Green slip price for station wagon driver with demerit points

Green slip price for ute driver with demerit points

• If the ute driver has 2 demerits, her average green slip price is $1,187.
• She pays an average $356 or 42.8% more than the safe ute driver.
• The station wagon driver with 2 demerits pays 43.5% more than the safe driver.

Each of these factors increases your risk to the insurer and pushes up the price of your green slip. Over time, any effects of an accident on the price of your green slip will start to reduce. But until they do, your green slip is probably going to be more expensive.

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. An accident 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).

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