Did you know your green slip price is affected by where you live? Some areas are higher risk for motor crashes and insurance claims. Find out how much you could pay in different parts of NSW.
What are green slip rating areas?
Insurers set their green slip prices for 5 NSW rating areas:
- Metro
- Outer Metro
- Newcastle/Central Coast
- Wollongong
- Country
The regulator (SIRA) has allocated your postcode to one of them.
You don’t need to know your green slip rating area.
How much are green slips in each rating area?
Greenslip prices vary widely in each rating area.
We used the green slip calculator for a 48-year old SUV driver with a good driving record at 1 September 2026:
|
Rating area |
Greenslip price range |
Saving on Metro prices |
|
Metro |
$570-$680 |
– |
|
Wollongong |
$474-$564 |
$96-$116 less |
|
Outer Metro |
$440-$514 |
$130-$166 less |
|
Country |
$400-$474 |
$170-$206 less |
|
Newcastle/Central Coast |
$391-$462 |
$179-$218 less |
- Metro drivers pay the most for a green slip.
- Drivers in Newcastle/Central Coast save the most on green slips by living outside a Metro area.
Does it matter which suburb you live in?
It only matters if you live in a split postcode. Otherwise, all suburbs within a rating area are treated the same.
A split postcode is split across 2 rating areas. If you live in one of these 5 postcodes, you have to state your suburb to identify your area:
- 2083 – Metro (eg, Brooklyn) or Newcastle/Central Coast (eg, Mooney Mooney)
- 2560 – Metro (eg, Campbelltown) or Outer metro (eg, Appin)
- 2750 – Metro (eg, Penrith) or Outer metro (eg, Emu Plains)
- 2753 – Metro (eg, Richmond) or Outer metro (eg, Yarramundi)
- 2756 – Metro (eg, Windsor) or Outer metro (eg, Colo)
Insurers are not allowed to charge different prices for suburbs within a rating area, except for split postcodes.
Where are the most deaths in motor crashes?
Two thirds of all deaths in motor crashes are on country roads. To put it another way, there are twice as many deaths in the country as in the city.
Deaths in Metro and Country areas
|
|
Year to July 2026 |
2023-2025 Average |
|
Country non-urban |
147 (41%) |
125 (38%) |
|
Country urban |
97(27%) |
97.3 (30%) |
|
Metro – Sydney |
88 (24%) |
85.3 (26%) |
|
Metro – Newcastle |
17 (5%) |
9.0 (3%) |
|
Metro – Wollongong |
11 (3%) |
11.3 (3%) |
|
Total |
360 |
328 |
Drivers in the country tend to travel at higher speeds on unsealed, winding and potholed roads. They are also more likely to hit an animal:
- 41% of Australians have hit an animal.
- Dubbo and Goulburn are the worst places in NSW for animal collisions.
Essential to know
Your CTP green slip does not cover damage done by an animal to your car.
- For coverage of property, you need comprehensive insurance
- CTP covers only injuries and deaths of people involved in the crash.
Why do Metro drivers pay more if most deaths are on country roads?
Metro drivers pay more for a green slip because over half (56%) of serious injuries are in Metro areas.
Serious injuries in Metro and Country areas
|
|
12 months ending December 2025 |
12 months ending December 2024 |
|
Metropolitan |
2,916 (56%) |
2,883 (57%) |
|
Country |
2,305 (44%) |
2,184 (43%) |
|
Total |
5,221 |
5,067 |
A green slip covers people with serious injuries and those with catastrophic injuries:
- People who are catastrophically injured may need treatment for their lifetime.
- This is why part of the cost of a green slip funds the Lifetime Care and Support Scheme.
What happens if I move to another rating area?
When you move from one rating area to another, the price of your green slip changes.
Your green slip is directly linked to your vehicle’s registration, so:
- When you move house, you have to tell Service NSW within 14 days.
- Service NSW automatically updates your address with the green slip insurer.
Remember, you don’t need to know your rating area.
Use the green slip calculator to find your cheapest green slip.
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