CTP insurance in Queensland: insurers, prices and cover

What Queensland CTP costs this quarter

For a car (class 1) on a 12-month private registration, the CTP part of your registration costs between $411.80 and $427.80 as at 1 October 2026, depending on which of the three licensed insurers you nominate. The Queensland Government publishes that range; MAIC's Compare pricing tool shows which insurer charges which amount for your vehicle class and due date.

Part of every CTP premium is the same whichever insurer you choose. MAIC says the premium contains levies and an administration fee, set each financial year: for a car they come to $166.80 in 2026-27. The difference between insurers comes from each insurer's own premium, which it resets every quarter within MAIC's limits.

Who sells CTP in Queensland

MAIC lists three licensed CTP insurers. Two former insurers still appear on its list because they manage old claims: RACQ stopped selling new CTP policies from 1 October 2023, and NRMA stopped being a licensed Queensland CTP insurer on 1 January 2014. If your registration certificate still shows one of them, your CTP will move to one of the current three.

How Queensland CTP premiums are set

Queensland uses community rating. MAIC explains that owners of a particular class of vehicle pay the same CTP premium regardless of drivers' ages, driving records or the age and location of the vehicle. A 19-year-old P-plater and a retiree with a spotless record pay the same for the same class of car with the same insurer. That keeps CTP affordable for higher-risk drivers, and it also means there is nothing to gain from shopping around on your personal details.

What does differ is the insurer. Each insurer sets its premium for every vehicle class every quarter, within a floor and ceiling set by MAIC. The floor keeps premiums high enough to pay injury claims; the ceiling keeps them affordable. Vehicle classes are grouped by type and use: class 1 is cars and station wagons, class 6 is trucks, utes and vans of 4.5 tonnes GVM or less, and classes 12 and 13 are motorcycles without and with a pillion or sidecar.

The CTP amount on your registration notice is more than the insurer's premium. It also carries levies and a DTMR administration fee, recalculated each financial year. The 2026-27 amounts apply to registration payments from 1 July 2026 to 30 June 2027.

How to compare and change your CTP insurer

MAIC's Compare pricing tool shows what each insurer charges for your vehicle class, for a 1, 3, 6 or 12-month registration, which makes it the quickest way to see how much CTP costs in Queensland. You need three things from your registration renewal notice: your vehicle class, your GST status (a business that uses the vehicle for business purposes may be able to claim the GST back as an input tax credit) and the due date, which is the same as your registration due date.

Reading the result is simple once you know what it shows. Each insurer's figure is its premium for that vehicle class, set for the current quarter within MAIC's minimum and maximum. The CTP amount on your renewal notice also includes levies and a DTMR administration fee, which are reviewed each year. Because the policy is identical at all three insurers, the comparison is a straight price comparison, plus any incentives an insurer offers.

You can nominate a new insurer at any time while the vehicle is registered, but the change only takes effect from the start of your next registration period. Once you pay a renewal, the insurer at the time of payment stays your insurer until that period ends. If you do nothing, you stay with the insurer shown on your certificate of registration.

• Online: through the DTMR website, including when you renew.
• By phone: call DTMR on 13 23 80 before the expiry date on your renewal notice. Only the registered operator can change the insurer.
• In writing: complete the CTP nomination section on the back of the renewal notice, or a CTP insurance nomination form if you have not received a notice yet.
• Timing: the change must reach DTMR on or before the expiry date on the renewal notice to apply to that renewal.

Incentives and the insurer you choose

Because the policy and the community-rated premium structure are fixed, insurers compete on price and on extras. MAIC notes that some insurers offer incentives such as gift cards or discounts on other insurance they sell, such as home or comprehensive car insurance. Treat those as a bonus rather than a reason to pay a noticeably higher premium, and read the conditions before counting on a discount.

What Queensland CTP covers, and what it does not

If someone driving your Queensland-registered vehicle causes or partly causes an accident that injures someone else anywhere in Australia, your CTP pays for their medical treatment, rehabilitation and compensation. If someone dies, it can cover reasonable funeral costs and compensation for dependants. People who were partly responsible for their own injuries can still claim, but the amount is reduced.

MAIC is explicit about the gaps. CTP does not cover damage to any vehicle or property, injuries you suffer in a crash where you were totally at fault, or injuries in a crash where no one was at fault, such as a single-vehicle accident. That last group catches out many people: hitting a kangaroo on a country road generally leaves your own injuries outside Queensland CTP. Health insurance, income protection or personal accident cover fill that gap, and comprehensive car insurance covers the car.

Our guide to what CTP insurance covers compares the fault rules in every state.

The most serious injuries: NIISQ

Every Queensland CTP premium includes a levy for the National Injury Insurance Scheme Queensland. MAIC describes it as providing necessary and reasonable lifetime treatment, care and support for anyone who sustains a serious personal injury in a motor vehicle accident in Queensland. It sits alongside the fault-based CTP scheme, which is why the most catastrophic injuries are not left to depend on proving someone else was at fault.

Unregistered vehicles, refunds and interstate crashes

You cannot legally drive an unregistered vehicle on a Queensland road without CTP. To drive one to a DTMR customer service centre to register it, you first buy a CTP policy in the correct class from a licensed insurer. To move it for any other reason, DTMR may require an unregistered vehicle permit and a class 22 CTP certificate, both available online.

If you cancel your registration, you may be eligible for a refund of the unused part of the CTP premium from your insurer. The levies are not refundable.

If a vehicle registered in another state injures you in Queensland, you follow the Queensland claims process, but the claim is managed by that vehicle's insurer or scheme in its home state.

Making a Queensland CTP claim

The claim goes to the CTP insurer of the vehicle that may have caused the crash. MAIC's Find a vehicle's CTP insurer tool identifies it from the registration number. You lodge a Notice of Accident Claim Form, through the Queensland CTP portal or on paper, and it must be signed in front of an eligible witness.

The deadlines are strict. The form must be lodged by the earliest of 9 months after the accident (or after symptoms first appeared) or 1 month after you first see a lawyer about the claim. If the vehicle cannot be identified, the limit is 3 months. Unlike workers compensation, lost wages are not paid as you go: they are negotiated as part of the settlement. General damages for pain and suffering are calculated using the Injury Scale Value, a 0 to 100 scale. You do not need a lawyer to claim.

See CTP claims by state for a side-by-side view of deadlines.

CTP in other states and territories

Every state runs CTP differently. If you are moving or registering a car interstate, check the scheme you are moving into, or see how CTP works in every state.