--- title: "Car insurance costs in Australia in 2026: official statis..." description: "Domestic motor insurers wrote $4.833 billion in premium in the March 2026 quarter, across 4.781 million risks. That equals an industry average of $1,011 in gros" lang: en-AU json-ld: | { "@context": "https://schema.org", "@type": "Article", "headline": "Car insurance costs in Australia in 2026", "description": "Domestic motor insurers wrote $4.833 billion in premium in the March 2026 quarter, across 4.781 million risks. That equals an industry average of $1,011 in gross written premium per risk, but it is not the same as the price paid by a typical driver for comprehensive car insurance.", "image": [ "https://images.unsplash.com/photo-1449965408869-eaa3f722e40d?auto=format&fit=crop&w=2000&q=80" ], "datePublished": "2026-07-17T00:00:00+00:00", "dateModified": "2026-07-17T01:49:52.975692+00:00", "author": { "@type": "Organization", "name": "CheckRate" }, "publisher": { "@type": "Organization", "name": "CheckRate" }, "mainEntityOfPage": { "@type": "WebPage", "@id": "https://checkrate.com.au/average-car-insurance" } } --- [CheckRate ](/) [Library](/articles) Back insurance # Car insurance costs in Australia in 2026 Domestic motor insurers wrote $4.833 billion in premium in the March 2026 quarter, across 4.781 million risks. That equals an industry average of $1,011 in gross written premium per risk, but it is not the same as the price paid by a typical driver for comprehensive car insurance. 13 min read 17 July 2026 Updated 17 July 2026 Fact checked In this article 1. [What is the average car insurance cost in Australia?](#what-is-the-average-car-insurance-cost-in-australia) 2. [How much have car insurance premiums increased in Australia?](#how-much-have-car-insurance-premiums-increased-in-australia) 3. [How much is compulsory third party (CTP) insurance in Australia?](#how-much-is-compulsory-third-party-ctp-insurance-in-australia) 4. [What are the main types of car insurance in Australia?](#what-are-the-main-types-of-car-insurance-in-australia) 5. [Why do car insurance costs vary by location?](#why-do-car-insurance-costs-vary-by-location) 6. [What affects the cost of car insurance?](#what-affects-the-cost-of-car-insurance) Key figures $1,011 Industry average gross written premium per risk, domestic motor, **March 2026 quarter** +5.5% ABS Insurance expenditure class, year to **May 2026** $536 NSW scheme-wide average CTP premium, all vehicle types, **30 June 2025** +8% Rise in motor vehicle theft victims, **2024** The [ABS Insurance expenditure class](/insurance-premium-increases) rose 5.5% over the year to May 2026, while motor vehicle theft rose 8% nationally in 2024. Compulsory third party prices are published separately by jurisdiction, vehicle type and period, so they are best treated as statutory scheme examples rather than a national car insurance average. Section 01 Three ways to measure cost ## What is the average car insurance cost in Australia? The closest official measure of car insurance cost in Australia is APRA's domestic motor average gross written premium per risk. It was **$1,011** in the March 2026 quarter, based on $4.833 billion in gross written premium across 4.781 million risks. This is an industry-level benchmark, not the average price paid by a driver for comprehensive car insurance. No official national dataset publishes the average comprehensive car insurance premium paid by Australian drivers, because optional car insurance is priced individually by insurer, vehicle, driver, location and cover type. The article uses three separate official measures to describe car insurance costs. They should not be combined into one national average. Average premium per risk $1,011 domestic motor, March 2026 quarter Calculated by dividing gross written premium ($4.833bn) by risks written (4.781m), under APRA's published methodology. An industry-level measure, not a quote for a specific driver. Price inflation +5.5% Insurance CPI, year to May 2026 Covers motor vehicle, house and home contents insurance. Measures price movement, not the dollar cost of a policy. Statutory premium examples $391–$424 Selected passenger-vehicle CTP premiums, Qld Oct–Dec 2025 and ACT May–Jun 2026 Historical Queensland insurer rates and current ACT schedules shown for context. The periods and schemes differ, so the figures are not directly comparable. NSW publishes a separate scheme-wide average across all vehicle types ($536), not shown here. These three measures cannot be combined into a single average car insurance cost. Gross written premium (GWP) is the total premium insurers wrote across the domestic motor class during the reporting period, covering comprehensive, third-party property and third-party fire and theft business across different vehicles and risk profiles. Dividing GWP by the number of risks written gives an industry-level benchmark for the whole class, not a quote for any individual driver, vehicle, address or cover level. Why APRA's average premium per risk is not a consumer quote A risk, in APRA's reporting framework, represents an underlying exposure linked to the premium written. It is not necessarily equivalent to one person, one household or one full-year consumer policy: one master policy, for example, can contain multiple underlying risk exposures. The domestic motor class combines many different vehicles, policy types and risk profiles, so the average premium per risk is best read as an industry benchmark for the class as a whole, not a typical household premium. ### Domestic motor premiums and claims, March 2026 quarter Gross written premium reached **$4.833bn** in the March 2026 quarter, up 14.6% on two years earlier, while net claims incurred rose to **$2.859bn** (up 22.1%) and the insurance service result reached **$472m**, the strongest result in the current series. The average premium per risk is simply gross written premium divided by the number of risks written; net claims incurred and the insurance service result are separate measures that add financial context for the same quarter. APRA $4.833bn Gross written premium – up 14.6% on the March 2024 quarter APRA $2.859bn Net claims incurred – up 22.1% on the March 2024 quarter APRA $472m Insurance service result – the strongest result in APRA's current series **Source:** APRA, Quarterly General Insurance Performance Statistics Database, September 2023 to March 2026 (released 29 May 2026), domestic motor vehicle class. Compulsory third party (CTP) insurance works differently again. It is compulsory in every state and territory, though pricing and collection vary by jurisdiction. - It operates through a regulated scheme in each state and territory. In New South Wales, Queensland and the ACT, licensed insurers set prices within their own regulatory frameworks. - Depending on the jurisdiction, it is either bundled into registration charges or bought separately alongside registration. - It provides cover or statutory benefits for eligible people injured in motor vehicle accidents, subject to the rules of each scheme. It does not cover damage to vehicles or property. - It does not include optional comprehensive or third-party property cover, which many motorists purchase separately. Section 02 Premiums, claims and margins ## How much have car insurance premiums increased in Australia? Domestic motor gross written premium rose from **$3.921 billion** in December 2023 to **$4.833 billion** in March 2026, an increase of about 23%. The rise was not continuous, with several quarters in between recording modest declines. The industry average gross written premium per risk for the same class followed a similar path, rising from roughly $920 per risk in the March 2024 quarter to roughly **$1,011** in March 2026, an increase of about 9.9% over two years. This is an APRA industry benchmark, not the change in a typical driver's comprehensive car insurance premium. Domestic motor insurance premiums in Australia, by quarter Gross written premium, domestic motor vehicle class, December 2023 to March 2026 Official data Gross written premium increased over the full period but moved unevenly quarter to quarter, easing through the second half of 2024 before rising again. These figures represent aggregate premium written across the domestic motor class, not the change in an individual driver's premium. **Source:** APRA, Quarterly General Insurance Performance Statistics Database, September 2023 to March 2026 (released 29 May 2026). ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Net claims incurred peaked slightly earlier than premium, at $2.880 billion in the December 2025 quarter, before easing back in March 2026. Over the same period, gross written premium rose from $4.568 billion to $4.833 billion. That gap helped lift the domestic motor insurance service result. +158% Quarter-on-quarter change in the domestic motor insurance service result The insurance service result for domestic motor rose from $183 million in the December 2025 quarter to $472 million in March 2026, the highest result in APRA's current post-July-2023 database. Domestic motor has posted a positive insurance service result in every quarter since December 2023. The ABS Insurance expenditure class, which reflects premium movements for motor vehicle, house and [home contents insurance](/contents-landlord-insurance), rose **5.5%** over the year to May 2026. It is a price-inflation measure, not a dollar estimate of car insurance premiums. Change in Australia's insurance CPI, by quarter Quarterly percentage change, ABS Insurance expenditure class Official data Insurance prices fell 0.5% in the June 2025 quarter before rising in each of the following three quarters, reaching 2.2% in March 2026, the strongest rise of the four. The ABS linked the September 2025 quarterly rise to higher reinsurance, claims and labour costs, and the May 2026 release said the annual rise in insurance reflected higher premiums for motor vehicle, house and home contents insurance. **Source:** ABS, Consumer Price Index, Australia, Table 18, Insurance expenditure class, quarterly releases; annual 5.5% figure from Consumer Price Index, Australia, May 2026. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) About the APRA data APRA changed its general insurance reporting framework from 1 July 2023. The current database, covering September 2023 to March 2026, should not be directly compared with APRA's older historical database, December 2002 to June 2023, because the two were collected on a different basis. The figures used here are drawn only from the post-July-2023 series. Section 03 The compulsory component ## How much is compulsory third party (CTP) insurance in Australia? CTP premiums vary widely by jurisdiction, vehicle type and registration period. The official figures below are selected published CTP measures, not a like-for-like national ranking. New South Wales' scheme-wide average sits at **$536** across all vehicle types for the year to 30 June 2025, while passenger-vehicle premiums in Queensland and the ACT sit between about $391 and $424 across different 2025 and 2026 periods. CTP, sometimes called a Green Slip in NSW or a MAI premium in the ACT, covers compensation for people injured in a vehicle accident. The figures below come from New South Wales, Queensland and the Australian Capital Territory. They are published on different bases, cover different vehicle populations and periods, and are not a like-for-like national ranking. Compulsory third party premiums by jurisdiction in Australia Published on different bases; not a like-for-like national ranking Official data Jurisdiction Basis Premium Period Comparability limitation **New South Wales** Scheme-wide average, all vehicle types $536 Year to 30 Jun 2025 Includes taxis and motorcycles; not passenger vehicles alone Queensland Class 1 private passenger vehicle, by insurer $390.80–$405.80 Oct–Dec 2025 quarter (historical) Passenger vehicle only; three insurers; rates and levy have since changed Australian Capital Territory Passenger vehicle (no ITC), by insurer $396.60–$423.90 May–Jun 2026, depending on insurer Passenger vehicle only; four insurers, two effective dates These figures are not directly comparable. New South Wales' $536 is a scheme-wide average across every vehicle type, including taxis and motorcycles, which pulls it above a pure passenger-vehicle figure. Queensland and the ACT figures are specifically for a private passenger vehicle on a 12-month policy, which is why they sit closer together despite being separate schemes with different benefit designs. **Source:** SIRA, 2017 CTP Scheme Performance Report to 30 June 2025; MAIC, Price competition returns to Queensland's CTP scheme and CTP premium information; ACT Treasury, Motor Accident Injuries premium schedules (AAMI, APIA, GIO, NRMA). ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Looking specifically at private passenger vehicles gives the closest available vehicle-class comparison between Queensland and the ACT. Across the historical Queensland rates for October to December 2025 and the ACT schedules effective in May and June 2026, premiums range from **$390.80** to **$423.90**, a spread of $33.10. The comparison is not contemporaneous, and differences in scheme design mean the prices are not a direct value ranking. ### How much is a Green Slip in New South Wales? The NSW average CTP premium across all vehicle types was **$536** at 30 June 2025, up $35 (7%) on the year before. SIRA attributed the increase to 2022 legislative benefit increases, higher levies and general inflation. The scheme-wide figure blends very different vehicle categories: the average metropolitan taxi premium was $4,726, while the average motorcycle premium was $418. Specific NSW Green Slip prices vary by vehicle and insurer, so the scheme-wide average should not be read as a passenger-car quote. SIRA's performance report also lists an adjusted pre-reform all-vehicle comparison of $935 alongside the current $536 average, along with a stated saving of $465. That saving does not reconcile with the two published premium figures (the actual difference is $399), so it is not repeated here as a settled number. On a separate affordability measure, based on the average annual passenger-vehicle Class 1 premium excluding GST and including levies (not the all-vehicle $536 figure), CTP represented about 23% of average weekly earnings at 30 June 2025, down from 37% under the scheme it replaced. ### How much is CTP in Queensland? Queensland's Class 1 CTP premiums for the October to December 2025 quarter ranged from **$390.80** to **$405.80** across three insurers, the first time rates have differed since January 2017, after price competition returned to the scheme for registrations due from 1 October 2025. For registrations due in that quarter, the difference between the lowest and highest Class 1 insurer price was $15 a year. Each insurer sets its own rate within limits set by the regulator. The Class 1 benchmark rose from $353.80 in December 2021 to $369.60 in December 2024, an increase of roughly 4.5% over three years, and stayed flat at $369.60 between December 2023 and December 2024. Levy changes, particularly the National Injury Insurance Scheme Queensland (NIISQ) levy, have been a significant component of that increase. MAIC says Queensland's Class 1 CTP remains the lowest-cost scheme of its kind on the mainland. The prices above are for the October to December 2025 quarter, the first quarter of differentiated pricing, and are a historical comparison point rather than current pricing. Queensland has since published further quarterly updates with different rates, and the fixed levy and administration component has risen from $157.80 to $166.80 for registrations from 1 July 2026. ### How much is CTP (MAI) in the ACT? ACT MAI premiums for a passenger vehicle range from **$396.60** to **$423.90** across four insurers, a spread of $27.30. The scheme, in place since February 2020, is community rated: licensed insurers set a premium for each vehicle class, subject to government regulation, so motorists within the same class pay the same insurer premium regardless of their personal risk characteristics. Four insurers currently publish MAI schedules for the ACT. Passenger vehicles sit at the cheaper end of the schedule; commercial and higher-risk vehicle classes cost more. Compulsory third party (MAI) premiums by vehicle class in the ACT No input tax credit rate, 12-month policy, by insurer. Selected classes; not the full ACT schedule Official data Vehicle class AAMI APIA GIO NRMA **Passenger vehicle** $396.60 $423.90 $399.60 $396.60 Motorcycle, over 600cc $502.00 $502.00 $502.00 $502.00 Motorcycle, 300–600cc $502.00 $502.00 $502.00 $502.00 Motorcycle, up to 300cc / electric $105.00 $116.90 $105.00 $105.00 Goods vehicle, up to 4.5t GVM $501.40 $523.50 $475.80 $475.80 Goods vehicle, over 4.5t GVM $1,883.60 $1,995.00 $1,945.90 $1,776.70 Private hire car $1,449.10 $1,491.50 $1,460.80 $1,407.00 Rideshare / personal share vehicle $1,519.10 $1,589.50 $1,535.60 $1,289.20 Taxi $7,762.60 $8,122.40 $7,846.90 $7,882.60 All premiums are the "no input tax credit" rate for a 12-month policy. AAMI and GIO rates are effective from 9 June 2026; APIA and NRMA rates are effective from 5 May 2026. These nine classes are selected from a longer ACT schedule that also lists buses, drive-yourself, firefighting, undertakers', breakdown and other miscellaneous vehicle classes, not reproduced here. **Source:** ACT Treasury, AAMI, APIA, GIO and NRMA Motor Accident Injuries premium schedules. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) CTP is compulsory and regulated in every jurisdiction. The optional cover many motorists also carry, comprehensive or third-party property, is priced individually instead, and is not published in an official national dataset. Section 04 Cover types explained ## What are the main types of car insurance in Australia? Australia has four main car insurance cover types: compulsory third party, third-party property damage, third-party fire and theft, and comprehensive insurance. CTP is compulsory, while the other cover types are optional and priced individually by insurers. No Australian government body publishes an official national average price for comprehensive car insurance, or a national dollar comparison between comprehensive and third-party property cover. [Optional car insurance premiums](/average-insurance-cost) vary by driver, vehicle, address, cover type and insurer, and this pricing data is not published in an official national dataset. - **Comprehensive cover** generally pays for insured damage to the policyholder's own vehicle and damage caused to another person's vehicle or property, subject to the policy's terms, limits and exclusions. - **Third-party property damage cover** pays only for damage caused to someone else's vehicle or property. It does not cover repairs to the policyholder's own vehicle. - **Third-party fire and theft cover** adds cover for the policyholder's own vehicle if it is stolen or damaged by fire, on top of third-party property damage. - **Compulsory third party (CTP)** is compulsory in every state and territory. Depending on the jurisdiction, it is included in registration charges or purchased as part of the registration process. It covers eligible personal injuries rather than damage to vehicles or property. ASIC's Moneysmart, the government's consumer finance guidance service, sets out these same distinctions and notes that comprehensive cover does not cover everything, since exclusions and limits vary by policy. Why comprehensive and third-party prices are not compared in this article This article uses official government and regulator sources. Comprehensive and third-party property premiums are not published by APRA, ABS or state regulators at a level that supports a reliable national price comparison. Figures from insurance comparison sites or industry associations exist, but they sit outside the government-sourced, methodology-disclosed standard used throughout this analysis. Section 05 Theft, risk and geography ## Why do car insurance costs vary by location? Car insurance costs can vary by location, and one measurable indicator of location-based risk is motor vehicle theft. Recorded motor vehicle theft rose **8%** nationally in 2024, to 65,603 victims. For this ABS offence category, the stolen motor vehicle is counted as the victim. Adjusting for how many vehicles are registered in each state gives an indicative theft rate by fleet size. Indicative motor vehicle theft victims per 100,000 registered vehicles in Australia, by state and territory, 2024 2024 theft-victim counts divided by registered motor vehicles at 31 January 2025, multiplied by 100,000 Official data The Northern Territory's rate is more than three times the national average of 294.1 per 100,000 vehicles, despite recording only 1,737 theft victims in raw terms, because it has the smallest registered vehicle fleet of any jurisdiction. Raw victim counts alone would rank Victoria, Queensland and New South Wales as the highest-theft states, largely because they have the largest fleets; the article-calculated rate adjusts approximately for fleet size. The Northern Territory introduced a new crime-recording system in November 2023, which the ABS says affected comparability between 2023, 2024 and earlier periods. **Source:** ABS, Recorded Crime – Victims, Australia, 2024; BITRE, Road Vehicles Australia, January 2025. Rate is a CheckRate calculation based on official source data, not an official ABS or BITRE statistic. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Highest rate Northern Territory 1,015.8 per 100,000 registered vehicles 3.5× as high as the national rate Lowest rate New South Wales 192.2 per 100,000 registered vehicles Victoria's theft figures show a different pattern. It recorded 6,547 more motor vehicle theft victims in 2024, a **41%** rise and its highest total since 2003. That rise on its own exceeded the national net increase of 4,604 victims (+8%). New South Wales also recorded a rise, up 6% on 2023. Several other jurisdictions recorded falls over the same period: - Queensland: down 4% - South Australia: down 12% - Tasmania: down 11% - Western Australia: down 16%\* - Northern Territory: down 4% - ACT: down 7% These falls offset part of the rises in Victoria and New South Wales, leaving the national total 8% higher overall. Motor vehicle theft, registrations and theft rate in Australia, by state and territory, 2024 Sorted by calculated theft rate, highest to lowest Official data State / territory 2024 victims Change on 2023 Registered vehicles Rate per 100k **Northern Territory** 1,737 −4% 170,990 1,015.8 Victoria 22,504 +41% 5,685,173 395.8 Queensland 17,493 −4% 4,892,464 357.5 Tasmania 1,493 −11% 549,847 271.5 Australian Capital Territory 920 −7% 344,380 267.1 Western Australia 5,653 −16%\* 2,621,125 215.7 South Australia 3,479 −12% 1,632,496 213.1 **New South Wales** 12,319 +6% 6,407,874 192.2 National total: 65,603 victims (+8%), 22,304,349 registered vehicles, rate 294.1 per 100,000. The jurisdiction figures shown sum to 65,598, five below the published national total of 65,603; the available ABS release does not explain this small reconciliation difference. The Northern Territory introduced a new crime-recording system in November 2023, which affected comparability between 2023, 2024 and earlier periods. \*Western Australia's percentage change is calculated here from the published 2024 count and raw change (−1,079 victims); it was not published directly by the ABS as a percentage. Registered vehicle counts are all motor vehicles at 31 January 2025, one month after the theft data reference period. **Source:** ABS, Recorded Crime – Victims, Australia, 2024; BITRE, Road Vehicles Australia, January 2025. ![CheckRate](/__l5e/assets-v1/7bc4597d-01a6-41ce-b2ee-e3271c8e8b60/checkrate-logo.png) Separately, the ABS Crime Victimisation survey estimated that about 0.6% of Australian households, around 64,400 in total, had a motor vehicle stolen in 2024–25, similar to 0.7% the year before. Of those, 88% reported the incident to police. Theft data is not a claims or pricing figure These figures count police-recorded theft victims, not insurance claims, and the rate calculated here is a contextual risk indicator, not a published insurer pricing input. Insurers weigh theft risk alongside many other factors, including accident rates, repair costs, vehicle values and legal environment, when setting premiums. This data does not show that any insurer prices a policy in direct proportion to these rates. Section 06 What is not publicly published ## What affects the cost of car insurance? Insurers commonly consider several factors when pricing optional car insurance, including: - The driver's age and claims history - The vehicle's make, model and value - Where the vehicle is parked overnight - How the vehicle is used - The excess and level of cover chosen No government dataset publishes premiums by driver age Unlike CTP, where regulated schemes publish premium schedules or scheme-wide averages, comprehensive and third-party premiums are set individually by each insurer and are not reported to Australian regulators in a form that shows national prices by age, gender, claims history or driving record. Figures suggesting a specific dollar difference by age group typically come from insurance comparison sites or individual insurer quotes rather than a government source, so they are not covered here. Road safety data can describe risk without describing price. National road-fatality and hospitalised-injury data, published through BITRE and the National Road Safety Data Hub, is broken down by age, road-user type, state and remoteness. That data can provide context for road-risk patterns, but it does not show how insurers convert those risks into premiums. Interactive explorer Compare _selected ACT MAI premiums_ Select a vehicle class to compare published no-input-tax-credit premiums across the four insurers offering ACT MAI cover. Figures are for a 12-month policy and cover selected vehicle classes rather than the full ACT schedule. Vehicle class Passenger vehicle (Class 1) Motorcycle, over 600cc Motorcycle, 300–600cc Motorcycle, up to 300cc / electric Goods vehicle, up to 4.5t GVM Goods vehicle, over 4.5t GVM Private hire car Rideshare / personal share vehicle Taxi AAMI $396.60 Effective 9 June 2026 APIA $423.90 Effective 5 May 2026 GIO $399.60 Effective 9 June 2026 NRMA $396.60 Effective 5 May 2026 Spread $27.30 Difference, cheapest to dearest The cheapest insurer for the selected class is highlighted in green. Figures are ACT Motor Accident Injuries premiums, not comprehensive or third-party property cover. General information only This is general information only, based on publicly available statistical data. It does not constitute financial, legal or insurance advice, and it is not a quote for any specific policy. Figures are drawn only from government and regulator sources; where the data does not answer a question, that gap is stated rather than filled in with an estimate. ## References 1. 1 [**APRA: Quarterly general insurance performance statistics, September 2023 to March 2026**](https://www.apra.gov.au/news-and-publications/quarterly-general-insurance-performance-statistics), released 29 May 2026. 2. 2 [**ABS: Consumer Price Index, Australia, May 2026**](https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/latest-release), Insurance expenditure class. 3. 3 [**ABS: Consumer Price Index, Australia, September Quarter 2025**](https://www.abs.gov.au/statistics/economy/price-indexes-and-inflation/consumer-price-index-australia/sep-quarter-2025), Insurance expenditure class and cost drivers. 4. 4 [**SIRA: 2017 CTP Scheme Performance Report to 30 June 2025**](https://www.sira.nsw.gov.au/__data/assets/pdf_file/0009/1386648/SIRA-2017-CTP-Performance-Report-2025.pdf). 5. 5 [**MAIC: Price competition returns to Queensland's CTP scheme**](https://maic.qld.gov.au/price-competition-returns-to-queenslands-ctp-scheme/), September 2025. 6. 6 [**MAIC: Queensland CTP insurance premiums**](https://maic.qld.gov.au/for-drivers/ctp-insurance-premiums/) and [levies and administration fee](https://maic.qld.gov.au/for-drivers/levies-and-administration-fee/). 7. 7 **ACT Treasury: Motor Accident Injuries premium schedules**: [AAMI](https://www.treasury.act.gov.au/__data/assets/pdf_file/0005/3058817/AAMI-MAI-Premiums-effective-9-June-2026.pdf), [APIA](https://www.treasury.act.gov.au/__data/assets/word_doc/0004/3039277/APIA-MAI-Premiums-effective-5-May-2026.docx), [GIO](https://www.treasury.act.gov.au/__data/assets/pdf_file/0003/3058824/GIO-MAI-Premiums-effective-9-June-2026.pdf) and [NRMA](https://www.treasury.act.gov.au/__data/assets/pdf_file/0006/3039279/NRMA-MAI-Premiums-effective-5-May-2026.pdf). 8. 8 [**BITRE: Road Vehicles Australia, January 2025**](https://www.bitre.gov.au/resource/roads-vehicles/road-vehicles-australia-january-2025). 9. 9 [**ABS: Recorded Crime – Victims, 2024**](https://www.abs.gov.au/statistics/people/crime-and-justice/recorded-crime-victims/latest-release) and [methodology](https://www.abs.gov.au/methodologies/recorded-crime-victims-methodology/2024). 10. 10 [**ABS: Crime Victimisation, 2024–25 financial year**](https://www.abs.gov.au/statistics/people/crime-and-justice/crime-victimisation/latest-release). 11. 11 [**ASIC Moneysmart: Choosing car insurance**](https://moneysmart.gov.au/car-insurance/choosing-car-insurance). Average gross written premium per risk, theft rates per 100,000 registered vehicles and percentage changes not published directly by a source agency are CheckRate calculations based on official source data. 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About 24% of dog owners and 14% of cat owners reported having insurance. ](/average-pet-insurance) [ ![Average health insurance cost in Australia in 2026](https://images.unsplash.com/photo-1631815588090-d4bfec5b1ccb?auto=format&fit=crop&w=2000&q=80) insurance 17 July 2026 · 14 min read ### Average health insurance cost in Australia in 2026 Combined hospital and extras cover for a single person averages $3,632 a year in 2026, an unweighted mean across published policies. Premiums rose 4.41% from 1 April, the largest increase since 2017. Average costs by policy type, hospital tier, age, household type and state, built from PrivateHealth.gov.au's full pricing dataset. ](/average-health-insurance) [ ![How much have insurance premiums increased in Australia?](https://images.unsplash.com/photo-1637763723578-79a4ca9225f7?q=80&w=871&auto=format&fit=crop&ixlib=rb-4.1.0&ixid=M3wxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8fA%3D%3D) Spending 20 July 2026 · 11 min read ### How much have insurance premiums increased in Australia? Insurance prices rose 5.5% in the year to May 2026 and are now 52.7% higher than at the end of 2019, roughly double the rise in headline inflation. Data from the ABS, APRA, the ACCC and the Department of Health. ](/insurance-premium-increases) [ ![Average insurance cost in Australia in 2026](https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=2000&q=80) Spending 17 July 2026 · 12 min read ### Average insurance cost in Australia in 2026 Australian households paid an average of $16.74 a week for house and contents insurance and $38.56 a week for accident and health insurance in the ABS's 2015–16 Household Expenditure Survey. These remain the latest official ABS figures for household insurance spending. They are averages across all households, not average premiums paid by insured policyholders. ](/average-insurance-cost) [ See more ### Explore all research & analysis View all ](/analysis) [CheckRate ](/) [Privacy Policy](/privacy-policy)[Terms & Conditions](/terms-and-conditions)[Methodology](/methodology) CheckRate provides general information and statistics only. 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