Are these greenslip prices the exact amount I will pay?

No. They are close estimates, not a binding quote. This NSW greenslip calculator uses public rating rules and typical insurer loadings to show how prices compare. Insurers also check your plate, driving record and claims history, so the final price can move up or down. Use the links in the results table to confirm the real price with each insurer.

Why does the cheapest insurer change when I change one answer?

Each insurer weighs risk in its own way. Some load young drivers harder, some look back 2 years for at-fault claims and others look back 5 years, and only NRMA gives a loyalty discount. So a small change, like the youngest driver's age or a past claim, can flip the order. That is why you should compare again at every renewal.

Is the cheapest greenslip worse cover?

No. NSW law sets what a greenslip must cover, so all six insurers pay the same types of injury claims. The cheapest CTP quote gives you the same protection as the dearest one. The main differences are price and customer service.

Can I switch greenslip insurers at renewal?

Yes. You can change insurer every time your rego is due, and there is no penalty or lost bonus. Just buy the new greenslip before you renew your registration. Transport for NSW gets the record straight from the insurer.

Do I get money back if I sell my car or cancel my rego?

Usually yes. If you cancel your registration and still have unused months on your greenslip, you can ask your insurer for a refund of that part. You normally need proof the rego was cancelled or the plates were returned.

Does the greenslip stay with the car when I sell it?

The rego and greenslip cover the vehicle, so the cover carries on until it expires. But the policy is in the seller's name. Many buyers take out their own greenslip when the rego is next due. Check with the insurer before you sell.

Why can't I pick a 6 or 3 month term?

Short terms only apply when your vehicle is within 21 days of its due date. The calculator turns them off if your due date is further away, or if you picked a blue slip, an interstate transfer or a brand new vehicle. Heavy motor vehicles, tractors and plant are not held to the 21-day rule.

What happens if my rego expired more than 3 months ago?

Your vehicle falls outside the normal renewal window. You will likely need a blue slip inspection before you can register again, and only a 12-month greenslip will be offered. Pick "expired more than 3 months ago" in the CTP status field so the price reflects that.

What is the Lifetime Care and Support levy on my quote?

It is a government charge inside every NSW greenslip. It funds long-term care for people who are badly hurt in road crashes, like brain or spinal injuries, no matter who was at fault. Every insurer must collect it, so it is the same share of the risk premium for all of them.

Do I pay GST on a greenslip?

Yes. GST of 10% is added on top of the premium and levies. The calculator shows GST as its own line so you can see it. You can check the tax amount on its own with the GST Calculator .

Should I answer Yes or No to the Input Tax Credit question?

Pick Yes only if a GST-registered business owns the vehicle and claims the GST back. That adds about 6.5% to 7.5% to the price because the insurer cannot recover the same tax. Private owners should pick No. Answering wrong can void or delay a claim payment, so match what your rego papers and tax records say.

Why is my greenslip so expensive with a young driver?

Drivers under 25 are in far more crashes, so insurers add a big loading. A driver under 21 can lift the price by around 85%. If a young driver rarely uses the car, make sure you list the true youngest regular driver, not just anyone who has borrowed it.

How can I make my greenslip cheaper?

Try these: Compare all six insurers every renewal. Keep your demerit points at zero. List the correct youngest driver, not a younger one. Enter your true yearly kilometres, not a guess that is too high. Check if a pensioner or primary producer usage type applies to you. Say yes to data checks if you are happy for insurers to verify your details.

Do I have to list every driver on a greenslip?

No. A greenslip covers anyone who drives your vehicle with your permission. You only tell the insurer about the youngest driver and the least experienced licence, because that sets the risk price.

What if I don't know my NVIC or exact variant?

Pick the option that best matches your body type, engine and fuel. The change in price is small, about 1% between variants. Your rego papers, your comprehensive insurance policy or the compliance plate can confirm the exact version.

Why does my postcode ask me to confirm my suburb?

Some postcodes sit across two CTP rating zones. Suburbs in the same postcode can have different crash rates, so insurers price them apart. Picking the right suburb makes the quote more accurate.

Which address do I use — where I live or where I park?

Use the postcode where the vehicle is parked overnight most of the time. That is the garaging address insurers rate on. Using the wrong postcode can make your quote wrong and cause problems at claim time.

Is an electric car or scooter cheaper to insure?

For cars, the fuel type barely changes the greenslip price, because CTP is about injury risk, not the engine. For motorcycles it matters a lot: electric bikes and anything 225cc or under sit in the lowest rate band, which is about 45% cheaper than a mid-size bike.

Do I need a greenslip for a trailer or caravan?

No. Trailers, caravans and other towed units do not need their own greenslip in NSW. The towing vehicle's CTP covers injuries. You still pay normal registration fees for the trailer.

What happens if I drive without a greenslip?

It is illegal. You can be fined, lose demerit points and have the vehicle taken off the road. Worse, if you hurt someone, the Nominal Defendant may pay them and then chase you for the full amount, which can run into hundreds of thousands of dollars.

Do demerit points really change my price?

Yes. A clean record with zero points earns a small discount, while 10 to 12 points can add around 25%. Points from the last 40 months count. Check your balance with Service NSW before you answer.

Why does the calculator ask about at-fault claims three times?

Because insurers use different look-back windows. QBE looks back 2 years, AAMI, GIO and Youi look back 3 years, and Allianz and NRMA look back 5 years. Answering all three lets the calculator apply the loading only to the insurers it affects.

My heavy vehicle says a manual quote is recommended. Why?

Trucks over 12,000 kg GVM and heavy haulage work are priced case by case. Insurers look at the exact configuration, routes and industry, and often quote by phone. Treat the number here as a rough guide only.

When does my greenslip cover start?

Cover starts on the date you choose when you buy, which is normally the day your current rego or greenslip ends. You can buy up to 90 days ahead, and cover still begins on the start date, not the purchase date.

Does this calculator store or send my details?

No. Everything runs in your browser. Nothing is saved, sent to insurers or shared. You can enter real details safely, or press Reset to clear the form.

Why is a business vehicle more expensive than a private one?

Business vehicles are usually on the road more, driven by more people, and often in busier areas. The calculator adds a small business loading, plus an extra loading if the owner is a Pty Ltd, Ltd or Inc company. Fleets of several vehicles get a small discount back.

What does the step-by-step section show me?

It shows the maths behind the cheapest quote: the base rate for your vehicle and term, the vehicle and location factors, the driver factors, the history factors, then expenses, levies, any ITC loading and GST. Use it to see which answer is pushing your price up.

Greenslip Calculator - 6 NSW CTP Insurers, Levies, GST

Introduction

A greenslip is the CTP (Compulsory Third Party) insurance you must have to register a car in NSW. It pays for people who get hurt in a crash your vehicle causes. You can't renew your rego without one.

This NSW Greenslip Calculator shows you what six licensed insurers — AAMI, Allianz, GIO, NRMA, QBE and Youi — would charge for the same cover. Prices are set by law to cover the same injuries, so the only real difference is the price. That gap can be over $100 a year.

Fill in your vehicle, postcode, usage and driver details. The calculator gives you a price from each insurer, a chart to compare them, and a step-by-step breakdown that shows how your risk premium, insurer costs, government levies and GST add up. You'll see the cheapest quote, the dearest, the market average, and how much you could save.

It works for cars, utes, motorcycles, heavy vehicles, plant, buses and taxis, and for 12, 6 or 3 month terms. Use it before you renew, buy a new car, or move to NSW from another state. If you are pricing the rest of your motoring budget at the same time, pair it with our Car Insurance Calculator, Road Tax Calculator and Fuel Cost Calculator.

How to use our NSW Greenslip (CTP) Calculator

Enter your vehicle, usage, policy and driver details, and this NSW CTP greenslip calculator shows you a price from six authorised insurers, the cheapest and dearest quote, your possible saving, and a full step-by-step breakdown of how each price is worked out.

Greenslip purpose: Pick why you need the greenslip — a standard NSW renewal, a blue slip, an interstate transfer, or a brand new vehicle. Blue slip, transfer and new vehicle quotes only allow a 12-month term.

Currently registered in NSW: Choose Yes if the vehicle already has NSW rego, or No if it does not.

Registration papers on hand: Choose Yes if you have your renewal notice or rego papers in front of you. This only changes the help text, not the price.

Are you a car dealer: Pick Yes if you are buying the greenslip as a licensed dealer.

Registration plate: Type the plate from your renewal notice, up to 10 characters. It is set to "TBA" for blue slip and brand new vehicles.

Greenslip due / rego expiry date: Pick the date your rego or greenslip runs out. This sets which policy terms you can buy. Not sure how far away it is? Check with the Days Until Calculator or the Date Duration Calculator.

Greenslip term: Choose 12, 6 or 3 months. Short terms only work if you are within 21 days of the due date.

Vehicle type: Pick car, ute/light goods, motorcycle, heavy motor, plant and tractor, bus or taxi. This sets the base rate for your quote.

Motorcycle engine capacity: For bikes only, choose the cc range shown on your rego papers. Bigger engines cost more. You can confirm your cc figure with the Engine Displacement Calculator.

Gross Vehicle Mass (GVM): For heavy vehicles, enter the mass and pick kg, tonnes or lb. It must be over 4,500 kg. The Kg To Lbs Calculator helps if your plate lists mass in imperial units.

Number of seats: For buses, enter how many seats the vehicle has.

Industry type: For heavy vehicles, plant and buses, pick the work the vehicle does, such as civil, demolition or heavy haulage.

Taxi number: For taxis, enter your licensed taxi number.

Year of manufacture: Enter the year the vehicle was built. Cars built before 1991 do not need make and model.

Vehicle make: Pick the brand of your vehicle, or choose Other and type it in.

Vehicle model: Pick the model, or choose Other and type it in.

Transmission: Choose auto or manual.

Specific variant (NVIC): Pick the exact version of your vehicle from the list so insurers price the right one.

Vehicle shape / body type: Choose the body style, like sedan, wagon, ute or van.

NSW garaging postcode: Enter the postcode where the vehicle is parked at night, from 2000 to 2898. This sets your rating zone.

Suburb / rating zone: This fills in on its own from your postcode. You do not need to type anything.

Confirm your suburb: If your postcode covers more than one zone, pick your suburb from the list.

Vehicle usage type: Choose how the vehicle is used, such as private, business, primary producer or pensioner.

Ownership type: Pick Individual or Company/Organisation.

Use shown on rego papers: Choose private, business or other, as printed on your papers.

Pty Ltd, Ltd or Inc: For business owners, pick Yes if the owner is a registered company.

Vehicles owned by business: Enter how many vehicles the business owns.

Of those, registered in NSW: Enter how many of those vehicles have NSW rego.

Claiming an Input Tax Credit: Pick Yes if the business claims the GST back. This adds a loading to the price. Our GST Calculator and Reverse GST Calculator are handy when you are working out the tax invoice side.

Days driven per week: Choose how many days a week the vehicle is driven, from 0 to 7.

Annual distance travelled: Enter how far the vehicle goes each year and pick km or miles. If you are estimating, the Mileage Calculator can help you work out a yearly figure.

Current CTP / greenslip status: Choose if you are insured now, expired, transferring in, or brand new.

Current policy term: Pick 6 months, 12 months, or Not sure.

Current CTP insurer: Choose who your greenslip is with now, or "No greenslip".

Years held current CTP policy: Choose how long you have been with that insurer.

Blue slip required: Pick Yes if the vehicle needs a blue slip inspection.

Other motor insurance on this vehicle: Choose comprehensive, third party property damage, or none.

Other motor insurance on another vehicle: If this car has no cover, say what cover you have on another car.

Other motor insurer: Pick the company that holds that car insurance.

Years held other motor insurance: Choose how long you have had that policy.

Registered owner date of birth: Pick the day, month and year the owner was born. The Age Calculator is useful if you need an exact age.

Registered owner gender: Choose female, male, other or not specified.

Registered operator date of birth: For heavy vehicles, pick the operator's birth date.

All drivers hold a current NSW licence: Pick Yes or No.

Any driver under 23: Pick Yes if a driver under 23 uses the vehicle.

Youngest driver date of birth: Pick the birth date of the youngest driver, or tick "Same as registered owner". Young drivers raise the price the most.

Youngest driver gender: Choose female, male, other or not specified.

Age youngest driver got licence: Enter the age they first got their licence. It cannot be higher than their age now.

Carries a pillion passenger: For motorcycles, pick Yes if someone rides on the back.

Least experienced driver licence type: Choose full, provisional, learner or international.

Any P-plater among drivers: Pick Yes if a P-plate driver uses the vehicle.

Years licence held: Choose how many years the licence has been held, not counting L plates.

Demerit points: Choose the points earned in the last 40 months, or pick unlicensed or not NSW licensed.

Consent to data verification checks: Pick Yes to let insurers check your details. This gives a small discount.

At-fault accident in last 5 years: Pick Yes if any driver caused a crash or claim in that time.

At-fault in last 3 years and 2 years: If you said Yes above, answer these shorter windows too. Insurers each look back a different number of years.

Licence suspended or cancelled in last 3 years: Pick Yes or No. Parking and low-range camera fines do not count.

Alcohol or drug driving conviction in last 3 years: Pick Yes or No. If you want to understand blood alcohol limits, see the BAC Calculator.

Continuous relationship with NRMA: Pick Yes if you hold any NRMA insurance or roadside product.

Length of NRMA relationship: Choose how long you have been with NRMA. Longer means a bigger loyalty discount.

Sort results: After you calculate, sort the quote table by lowest price, highest price, or insurer name.

Calculate and Reset: Press Calculate to see your greenslip quotes, charts and working. Press Reset to clear the form and start again.

What Is a Greenslip?

A greenslip is Compulsory Third Party (CTP) insurance in New South Wales. Every car, ute, motorbike, truck and bus must have one before it can be registered. It is called a "greenslip" because the paper used to be green.

What a Greenslip Covers

A greenslip pays for people who get hurt in a crash involving your vehicle. It covers things like medical bills, lost wages, care and treatment. It protects drivers, passengers, riders, cyclists and people walking.

A greenslip does not pay to fix cars or property. If you hit another car or a fence, you need comprehensive or third party property damage insurance for that — price that separately with the Car Insurance Calculator. Cover for your home and your family sits in other policies again, such as those priced by the Homeowners Insurance Calculator and the Life Insurance Calculator.

Who Is Covered

Since the NSW scheme changed in 2017, most injured people get help fast, even if no one was at fault. People with serious, lasting injuries can claim for longer. Anyone who caused a crash on purpose, or was doing something serious and wrong, gets much less or nothing.

What Changes the Price

Six insurers are allowed to sell greenslips in NSW: AAMI, Allianz, GIO, NRMA, QBE and Youi. They all cover the same things by law, but they can charge different prices. Your price depends on:

Vehicle type — a motorbike, ute, bus and truck all cost different amounts.
Where you park it — Sydney costs more than country areas because there are more crashes. Moving zones? The Cost of Living Calculator and Moving Cost Calculator show the other costs that shift with you.
Driver ages — young drivers cost more, since they have more crashes.
Driving record — demerit points, past at-fault claims, suspensions and drink or drug driving push the price up.
How much you drive — more kilometres each year means more risk. See what those kilometres cost in fuel with the Gas Mileage Calculator.
Business use and GST — if a business claims a GST credit, the greenslip costs a bit more.

What You Pay For

Your total price is made up of a few parts: the risk premium (the real cost of injury claims), the insurer's costs and profit, government levies like the Lifetime Care and Support fund, and 10% GST. If you want to check the tax portion on its own, run the numbers through the GST Calculator.

Timing Rules

You can buy a greenslip up to 90 days before your registration is due. Short 6-month and 3-month greenslips are only sold if your vehicle is within 21 days of its due date. Heavy vehicles, tractors and plant are not held to that 21-day rule. If your registration ran out long ago, you may need a blue slip inspection first. Use the Days From Date Calculator to map the 21-day and 90-day windows against your due date.

Why Shopping Around Matters

Cover is the same no matter who you buy from, so the only real difference is price. The gap between the cheapest and dearest insurer can be over $100 a year on the same vehicle. Comparing greenslip quotes each renewal is one of the easiest ways to save money on car costs in NSW.

Related Calculators

Greenslip cost is only one line in the cost of running a vehicle. These tools cover the rest:

Auto Loan Calculator and Motorcycle Loan Calculator — work out repayments on the vehicle itself.
Stamp Duty Calculator and DMV Fee Calculator — the one-off costs at purchase and transfer.
Car Depreciation Calculator and Car Value Calculator — what your vehicle is worth over time.
Car Affordability Calculator — how much vehicle your budget really supports.
Fuel Consumption Calculator and Toll Calculator — the running costs of every trip.
Budget Calculator — fit rego, greenslip and fuel into your monthly plan.

Greenslip Calculator

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