How to Find the Cheapest Green Slip in NSW
There is no single cheapest Green Slip insurer in NSW. There is a cheapest one for you, and the government's own Price Check will show you which it is in a few minutes.
The cheapest CTP Green Slip in NSW is whichever of the six licensed insurers quotes lowest for your vehicle and drivers, and SIRA’s free Green Slip Price Check is the fastest way to see all six quotes at once. Because the cover is set by law and identical everywhere, the cheapest quote is not a worse policy.
The short answer
- No insurer is cheapest for everyone: each one prices your age, record, vehicle and where it is parked its own way.
- Run the Price Check with your driver licence, registration billing number or number plate to see every insurer’s price for your details.
- The Fund Levy, which averaged $190.60 per policy from 15 January 2026, is the part of the price no insurer can change.
This guide explains why prices vary so much in NSW, how to get quotes from all six insurers, whether a 6-month Green Slip is cheaper, the discounts that apply (and what they apply to), and the mistakes that make a cheap Green Slip expensive later.
Why Green Slip prices vary so much in NSW
In Queensland, South Australia and the ACT, everyone with the same class of vehicle pays the same CTP premium to a given insurer. NSW is different: Green Slips are priced on the individual.
SIRA explains the process in two stages. First, each insurer calculates a base cost that has to cover the future claims and running costs of its whole book. Then it adjusts your price using rating factors. SIRA lists these as including:
- the age of the driver (insurers ask for the youngest driver’s age)
- driving history and demerit points
- claims history
- the vehicle’s age
- where the vehicle is parked
- whether you have comprehensive insurance
- the insurer’s overall risk in the scheme.
Insurers do not all weigh these the same way, and may use different factors altogether. SIRA says this is why you may see variations between insurers. In practice it means the insurer that is cheapest for a 20-year-old in one suburb can be the most expensive for a 60-year-old in another.
Every quote also includes GST and SIRA’s Fund Levy, which pays for crash victims’ initial ambulance and hospital costs and for the lifetime care of the most seriously injured. SIRA sets the levy, not the insurer, so it does not change when you switch. The part SIRA sets has gone up: the average Fund Levy rose from $164.80 to $190.60 per policy from 15 January 2026, an increase of $25.80, or about 16%.
How to get Green Slip quotes from all six insurers
The Price Check is run by SIRA, and Service NSW links to it. It compares quotes from all insurers for the most common vehicle types.
- Choose how to identify the vehicle. Service NSW describes three options: your driver licence or registration billing number, your number plate or VIN, or entering the vehicle details, insurance and driving history yourself. The first two usually give the most accurate prices, because they use the records insurers check anyway.
- Answer the driver questions honestly. Include every driver, especially the youngest. If anyone has committed a driving offence in the past 3 years and 4 months that added demerit points, it can affect the price even if the points have since been removed, so declare it.
- Read the full list. Note the cheapest quote, but also how far apart the top two or three are.
- Buy from the insurer directly. Click through or call the insurer. SIRA recommends buying from a licensed insurer or its authorised representative, so that nobody submits inaccurate details on your behalf. You do not have to stay with the insurer named on your renewal notice.
- Renew your registration. Most insurers notify Transport for NSW electronically, so you can usually renew straight away. Our guide to Green Slips and rego has the full order of steps.
If two quotes are close, the claims record can decide it. To see each insurer’s claims figures, renewal options and extras side by side, compare Green Slip insurers.
Green Slip calculators and the Price Check
Search for a Green Slip calculator and you will find the official Price Check next to commercial calculators and quote sites. The Price Check is free, is run by SIRA and compares quotes from every licensed insurer for the most common vehicle types. Moneysmart notes that comparison websites are usually paid by the insurers they compare and do not include every product on the market.
No calculator can price a Green Slip without your details, because NSW insurers price each vehicle and driver individually. A tool that gives you a figure without asking about the drivers, their records and where the car is kept is giving you an estimate, not a price.
What you can and cannot change
| Factor | Can you change it? | What to know |
|---|---|---|
| Which insurer you choose | Yes | The single biggest lever. Compare all six every renewal |
| Youngest driver’s age | Only by who actually drives | Must be accurate. Listing a false driver is under-insurance |
| Demerit points and driving history | Not in the short term | Offences in the last 3 years and 4 months can count even after points expire |
| Where the car is parked | Only if it genuinely changes | Give the real location |
| Whether you hold comprehensive cover | Yes | SIRA lists it as a factor some insurers may use; check whether it changes your quote |
| Vehicle details | No, but check they are right | A wrong year, make or model gives a wrong price |
| Policy term (6 or 12 months) | Yes, for most light vehicles | Changes how often you pay, not the cover |
| Fund Levy and GST | No | Set by SIRA and by law |
Source: SIRA, How prices are set (updated 15 January 2026) and Service NSW.
Is a 6-month Green Slip cheaper?
Not automatically. Light vehicles up to 4.5 tonnes and motorcycles can have a 6-month Green Slip, but Transport for NSW says the CTP must cover the same period as the registration, and that if you renew for 6 months you must pay the CTP and renew the registration no later than 21 days after the registration expiry date. A 6-month Green Slip spreads the cost. Before assuming it is cheaper, get quotes for both terms and compare what two 6-month policies would cost over a year with one 12-month policy.
A 6-month Green Slip is not an option for a light vehicle in three cases that Transport for NSW sets out:
- Registering a brand new vehicle. The CTP policy must be for 12 months.
- Registering a used vehicle that is unregistered or has interstate registration. The CTP policy must again be for 12 months. This includes a NSW vehicle whose registration expired more than 3 months ago, which also needs a blue slip (unregistered vehicle) inspection first, as does a vehicle brought in from another state.
- Renewing more than 21 days late. A 6-month renewal has to be paid no later than 21 days after the registration expiry date, so a later renewal is for 12 months.
Two other points. Renewal notices for light vehicles are issued for the same length as your last registration, and after a transfer to a new owner the next notice defaults to 12 months. Three-month terms are only for trailers and heavy vehicles over 4.5 tonnes; QBE lists 3, 6 or 12 months to match the registration.
Discounts that lower what you pay, and what they apply to
Most of the discounts NSW drivers hear about come off the registration, not the Green Slip. The table sets out which is which.
| Discount | Who gives it | What it comes off | Who gets it |
|---|---|---|---|
| 2026-27 registration discount | Transport for NSW | Motor vehicle tax on your registration: up to $100 a year for a private light vehicle, up to $80 for a private motorcycle ($50 or $40 for each 6-month period) | Privately registered vehicles with an effective renewal date from 1 September 2026 to 31 August 2027, applied automatically. Not business vehicles, or vehicles already receiving a registration concession, discount, refund or rebate |
| Pensioner concession | Transport for NSW | The registration fee and motor vehicle tax on one vehicle | NSW Pensioner Concession Card holders and DVA Gold Card holders endorsed TPI, EDA or War Widow. You still buy a Green Slip |
| Good Driver Discount | QBE | QBE’s Green Slip price | Eligible drivers with no demerit points; it also depends on the car and the ages of the car, owner and other drivers |
| Driver Protection Cover | NRMA Insurance | Not a discount: extra cover included with NRMA Green Slips | At-fault drivers who suffer specified serious injuries (not motorcycles) |
Sources: Transport for NSW and Service NSW (registration discount, last published 26 August 2026; pensioner concessions), QBE and NRMA Insurance NSW Green Slip pages, read 10 October 2026.
AAMI, GIO and Youi each say on their NSW Green Slip pages that Green Slip prices cannot be discounted, so the way to pay less with them is the Price Check, not a promo code. If you hold a pensioner card, Green Slips for pensioners explains how the concession works alongside the Green Slip.
Price is not the only difference
The insurer you buy from manages claims made against your policy, including any claim you make yourself as an at-fault driver. SIRA publishes a regular CTP Insurer Claims Experience and Customer Feedback Comparison, with claims acceptance rates, payment times, customer service scores and complaints for each insurer; the latest edition is for June 2026. If two quotes are within a few dollars, it is a sensible way to choose between them. We set out the figures side by side when we compare Green Slips in NSW.
Mistakes that make a cheap Green Slip expensive
- Understating your details. SIRA says giving wrong information can lead to an adjustment charge for the true cost, cancellation of your registration, reinstatement fees and penalties. Under-insurance is never a saving.
- Buying through an unlicensed middleman. Buy from the insurer or its authorised representative, so the details sent to Transport for NSW are the ones you gave.
- Letting it lapse. A new Green Slip has to be bought before the current one expires. An unregistered vehicle may not be covered by CTP at all.
- Forgetting the refund you are owed. If the car is written off, wrecked or stolen and you cancel the registration, you can claim back part of the unused Green Slip. Selling the car earns no refund, so price the remaining cover into the sale.
- Thinking the Green Slip covers the car. It covers injuries only. Repairs need third party property damage or comprehensive cover.
The six insurers you are choosing between
SIRA’s list, last updated 13 April 2026, names six licensed Green Slip insurers: AAMI, Allianz, GIO, NRMA, QBE and Youi. Each sells exactly the same policy. For phone numbers, each insurer’s claims record, how to renew with each and what the cover pays if you cause a crash, see how to compare Green Slips in NSW. Riders have a guide of their own: the motorcycle Green Slip in NSW. If you are comparing with interstate schemes, how CTP works in each state explains why, of the four states where you choose a CTP insurer, NSW is the only one where your personal details move the price.
Frequently asked questions
Who has the cheapest Green Slip in NSW?
It depends on the vehicle and the driver. Each of the six licensed insurers weighs rating factors such as age, driving history, demerit points and where the car is parked differently, so the cheapest insurer for one person is often not the cheapest for another. SIRA's Green Slip Price Check shows every insurer's price for your details.
Are all CTP Green Slips the same?
The cover is. Every licensed insurer sells the same statutory policy under the Motor Accident Injuries Act 2017. Only the price, claims handling and any extras differ.
What is the $100 rego discount in NSW?
It is a one-off discount of up to $100 on the annual registration of privately registered light vehicles in NSW, taken off the motor vehicle tax, for renewals with an effective date from 1 September 2026 to 31 August 2027. Privately registered motorcycles get up to $80, and a 6-month renewal gets $50 ($40 for a motorcycle) for each 6-month period. Transport for NSW applies it automatically. It comes off your registration, not your Green Slip, so you still pay your CTP insurer's full price.
Can you get a discount on a CTP Green Slip?
Only if the insurer you choose offers one. QBE lists a Good Driver Discount for eligible drivers with no demerit points, while AAMI, GIO and Youi say their Green Slip prices cannot be discounted. Government concessions in NSW, such as the 2026-27 registration discount and free registration for eligible pensioners, reduce your registration, not the Green Slip.
Do pensioners get cheaper Green Slips?
Not as a rule: insurers can take the driver's age into account, so compare every quote with the Price Check. The NSW pensioner concession is separate: no registration fee or motor vehicle tax on one vehicle for eligible card holders, who still buy a Green Slip.
Can I buy a Green Slip from Shannons, Apia, Coles, Woolworths or a comparison site?
Only six insurers are licensed to issue Green Slips in NSW: AAMI, Allianz, GIO, NRMA, QBE and Youi. Other brands can sell one on a licensed insurer's behalf: Shannons sells GIO Green Slips as GIO's agent, and Apia sells Green Slips as an authorised representative of AAI Limited, which issues AAMI and GIO policies. Woolworths' insurance arm stopped selling Green Slips from 1 October 2022, and Coles Insurance does not list one. Whoever you buy from, check which licensed insurer will issue your Green Slip before you pay.
Does Budget Direct still sell Green Slips?
No. Budget Direct says it no longer offers CTP (Green Slip) insurance in NSW. From 2005 to 2019 it referred NSW motorists to QBE Insurance (Australia) Ltd, and that arrangement ended on 31 December 2019, so renewal notices for those policies now carry QBE's name. You can renew with QBE or buy from any of the other five licensed insurers.
How can I make my Green Slip cheaper?
Compare all six insurers with the Price Check, give accurate details (especially the youngest driver's age and any demerit points), make sure the vehicle's details are right, and check whether an insurer prices differently because you hold comprehensive cover. You cannot make the Fund Levy cheaper: SIRA sets it.
Can I buy a 3-month Green Slip?
Not for most cars. Service NSW offers 6 or 12-month registration for most light vehicles up to 4.5 tonnes, and your Green Slip must match. Three-month terms are available for trailers and heavy vehicles over 4.5 tonnes.