Understand green slip prices, compare insurers and save
greenslips.com.au has helped people save money on their green slip for over 20 years. Find out how green slip prices are set, why they vary and how you may be able to reduce your price. Always compare green slip prices before you register your vehicle, so you know you are paying the cheapest price.
How can I compare green slip prices?
The fastest way to compare green slip prices is to use the greenslips.com.au Calculator. It provides quotes from each of the 6 green slip insurers, based on your vehicle and details. They are listed from the cheapest to the most expensive. .
- It is quicker to use the calculator and answer one set of questions with results for 6 insurers, than to contact each insurer separately and answer the same questions each time.
- You will receive regulated green slip prices, the same ones that insurers submit to the regulator. By law, nobody is allowed to quote prices that are different from these regulated prices. Prices will match when based on the same information about you and your vehicle.
- Green slip prices vary throughout the year.
Where can I find green slip quotes online?
Can I get discounts on my green slip?
No. Your green slip is already discounted for any factors in your favour, such as a newer, safer vehicle and clean driving record, with no traffic offences or demerit points.
Two insurers currently offer discounts on their other insurance products as long as you hold your green slip with them.
Essential to know
- Cover is the same, whether you buy the cheapest or the most expensive green slip. By law, every green slip must have exactly the same cover.
- Nobody can quote a price that is different from the ones legally charged by the insurers. This means you cannot get a cheaper price from an agent, broker or reputable comparison site.
How do insurers set green slip prices?
Insurers set green slip prices based on these main rating factors and more:
| Vehicle | Your driving record | Where you live |
| type |
experience |
Metro |
|
make |
demerit points |
Outer Metro |
|
model |
traffic offences |
Newcastle/Central Coast |
|
year of manufacture |
at-fault accidents |
Wollongong |
|
Country |
Your green slip price includes the Fund Levy. This levy pays for the costs of public hospital, ambulance and other services for people injured in a road accident.
It also funds the Lifetime Care and Support Scheme, for people with catastrophic, lifetime injuries.
Why do prices vary between insurers?
Prices vary because each insurer has a different way of setting green slip prices. They set prices, based on their appetites for risk, the cost of claims and market competition. Some insurers will put more weight on certain factors, such as demerit points, when setting their premiums.
Greenslip prices have varied considerably in the last 12 years, especially after CTP reform in December 2017.
Am I paying the cheapest green slip price?
To make sure you pay the cheapest price, use the greenslips.com.au Calculator to compare prices from all 6 insurers.
There are 4 possible ways to reduce your green slip premium.
1. Influence the main factors that affect green slip prices
- Where you live
- Your age
- Driving history
- Vehicle type
- Vehicle age
Other than age, you can influence these factors. Aim to drive a newer car with more safety features. Maintain a safe driving record with no traffic offences or demerit points. Young people with a good driving record will get cheaper green slips when they reach a certain age.
2. Pay for short-term registration
Some vehicle owners prefer to pay for their registration and green slip every 6 months. While this does not reduce the overall cost, it may improve cash flow.
3. Save money by following the rules
Save money by paying for registration on time and keeping to the road rules:
- Pay registration on time .
- Make sure your car is always registered.
- Pay tolls on time.
- Stay within the speed limit.
- Pay attention to double demerits in holiday periods.
Essential to know
- If your car is unregistered, you are not covered by a green slip. You will pay 2 fines:
- One for being unregistered
- One for being uninsured.
4. Always compare green slip prices before you buy
Prices vary throughout the year and among insurers. Compare green slip prices before you renew your green slip and registration.
Before you buy fuel, did you know you can compare fuel prices near you?
Can a pensioner get a cheaper green slip?
A pensioner cannot get a cheaper green slip but they may qualify for free NSW registration. Insurers use many different factors to price a green slip but being a pensioner is not considered.
The best way for a pensioner to get a cheaper green slip is to drive safely and within the law.
Is there a difference between using the greenslips.com.au Calculator and the government calculator?
Yes. greenslips.com.au is an independent price comparison and information service run by a small, hardworking team. greenslips.com.au Calculator has been giving you the cheapest prices from all 6 insurers for over 20 years.
You can talk to us because we are human:
- Our help centre is for people who prefer to talk to someone. The help centre, run by Chris Payne, has already answered 50,000 calls. Dee, Margaret, Kerrie and Skye have many years’ expertise in green slip prices.
- We respond quickly to people who prefer to use email .
- You can ask us anything about green slips.
We have thousands of satisfied customers on Feefo.
Feefo users tell us how much they saved on a green slip
More FAQs
Does the government regulate green slips?
Yes. CTP green slips are highly regulated because they are a type of mandatory insurance provided by private companies. The terms and conditions of each insurer’s green slip policy must be the same.
- SIRA is the regulator of the NSW CTP green slip scheme.
- It licenses and supervises the 6 insurers to make sure they provide insurance within legislation and guidelines.
- SIRA is not involved in vehicle registration. Service NSW is responsible for vehicle registration and driver licensing and is part of Transport for NSW.
Does vehicle type affect my green slip price?
The type of vehicle you drive affects your green slip price. There are 3 broad types:
- Motor car
- Ute/light goods vehicle
- Motorcycle
Motor car and ute/light goods vehicle prices depend on:
- Year of manufacture
- Make
- Model
- Vehicle variant
Motorcycle prices depend on:
- Year of manufacture
- Engine size
- Having a pillion passenger
If you own a motor car or ute/light goods vehicle, you need to select your exact vehicle to get an accurate price. Find your vehicle shape code.
Make sure you get the cheapest green slip for your motorcycle.
Will my high-performance car push up my green slip price?
Owning a powerful car may not affect your green slip price unless you are a younger driver. However, speeding or breaking other road rules in your high-performance car could impact your green slip price just as much as your age.
We used the greenslips.com.au Calculator to calculate prices in February 2025 for 2 drivers of powerful cars and less powerful cars.
- The 45-year-old pays the same for a green slip, whether the vehicle is powerful or not.
- The 24-year-old pays $185 to $237 more than the 45-year-old, whether the vehicle is powerful or not.
How do I find my cheapest green slip?
Does where I live affect my green slip price?
Where you live can make a big difference to your green slip price.
The regulator sets 5 geographical zones or risk rating areas in NSW. These are:
- Metro
- Outer metro
- Newcastle and Central Coast
- Wollongong
- Country.
When insurers set green slip prices, they consider the risk of people making CTP claims in those areas.
- The cheapest green slips are usually for vehicle owners in Country areas, where the risk of claims for injuries is lower.
- Vehicle owners in Metro areas pay more for their green slips because the risk of serious injuries is higher.
- There is no difference between postcodes within the same geographic zone.
Does driving history affect my green slip price?
Yes. Your driving history affects your green slip price and includes:
- demerit points
- traffic offences
- accidents
- claims.
These all influence your final price. Younger drivers with little experience already pay a higher price and must particularly avoid traffic offences or accruing demerit points. Older drivers with poor driving records generally pay more for their green slips.
Insurers may ask these questions about your driving record:
- How many demerit points are on your licence (and on licences of any other drivers of the vehicle)?
- Have you had any road accidents in the last 2-5 years that were your fault?
- Were there any suspensions, disqualifications, cancellations or restrictions on your drivers licence in the last 3 years?
- If so, have you had any drug and alcohol convictions in the last 3 years?
Every answer will affect the final price of your green slip.
How much will my green slip cost as a young driver?
Your green slip will probably cost you more now than when you are a more experienced driver. Once you are 27 or more, the price of your green slip should start to fall.
See our young driver’s guide to green slips and the cost of green slips for under 27 year olds.
Will my green slip price increase after an accident?
If you have an accident and make a claim, your green slip price may increase. Making a claim can affect your CTP green slip price even if you were not at fault.
- The cost of claims is higher in some regions than others, which is why green slip prices vary depending on where you live.
- Making a green slip claim can be a complex process. Find out what happens if you need to make a claim.
See our complete Claims Guide. Note, the guide does not give advice.