Green Slip (CTP) in NSW — how to actually compare and save $150-$300

Green Slip (Compulsory Third Party insurance) is the one form of car insurance you legally cannot avoid in NSW. It covers injury to other people if you cause an accident. Six insurers offer essentially the same product — but premiums vary by up to $400 on the same car at the same address.

The six NSW CTP insurers in 2026

• Allianz
• AAMI (Suncorp)
• GIO (Suncorp)
• NRMA (IAG)
• QBE
• Youi

Use the SIRA Green Slip comparator

Always start at greenslips.nsw.gov.au — the official SIRA tool quotes all six insurers in 60 seconds. Never accept the first renewal quote from your current insurer without running it.

What drives the price

• Vehicle class (passenger, ute, motorcycle).
• Garaging postcode (Bondi is ~30% pricier than Penrith).
• Driver age range (under 25 adds ~25%).
• At-fault claim history.
• Demerit points (4+ pushes price up materially).

Sydney suburb premium examples

Indicative for a 40-year-old, 2020 Mazda CX-5, no claims. Get your own quote — these move quarterly.

What CTP doesn't cover

• Damage to your own car (that's comprehensive).
• Damage to other people's property (that's third-party property).
• Theft (comprehensive only).
• Your own injury if at fault (income protection or TPD).

Common questions

Can I get a Green Slip refund?

Yes — cancel via your insurer in writing. Refunds calculated pro-rata to days remaining minus $40 admin.

Does Green Slip transfer to a new owner?

Yes, the Green Slip stays with the car for the rego period. New owners benefit until next renewal.