Renewing your green slip is the moment to run a CTP greenslip price comparison, because prices move and loyalty rarely pays on a CTP green slip.
Average green slip prices in NSW rose about 7 percent in the year to June 2025, and the Fund Levy added another $25.80 to every policy from 15 January 2026.
The quickest way to find the cheapest green slip is to compare all six insurers in our green slip calculator, which is a free service with no charge however often you check.
Compare green slip prices now →
At Greenslips 4 Earth we know how important an annual price comparison is for your CTP greenslip.
Many factors can change a policy over time, so the price you pay today may differ from a year ago. Each time you renew your green slip, compare prices so you are not stuck on an unfavourable rate from your current insurer.
Why You Should Compare Green Slip Prices NSW
There are many reasons green slip prices change over time. Reviewing all policies before you renew your CTP lets you catch these shifts before they cost you.
These changes can be industry-wide or down to one insurer, so in a single year every insurer price could rise, or just one might. The only way to know is to compare greenslip prices from all providers at each renewal.
For the full reasons behind the latest rises, see our explainer on why your NSW green slip went up in 2026.
What You Need To Know About Green Slip Price Changes
Here are the most common reasons you might see changing greenslip prices, plus a few factors to keep in mind.
1. Changes Aren’t Rare
Most insurers that issue CTP green slips change their prices about every four months. These regular changes happen for several reasons and the results vary between providers.
Because prices move this often, check them at every renewal, even if you renew every six months.
2. Internal Changes
Insurance is a business. If an insurer’s appetite for risk changes, or it finds a cheaper or more profitable way to offer cover, prices will likely shift.
Insurers calculate premiums on the potential cost of future claims, so when their view of that cost changes, your green slip price can too.
3. CTP Insurance Is The Same Across All Providers
Many insurers raise prices at renewal, betting that customers stay out of brand loyalty or simply pick the easy option. From an insurer’s view, renewal business usually costs more than new business, so they hope you do not shop around and quietly pay the higher premium.
They are counting on customer apathy at CTP greenslip renewal time, and with CTP that loyalty rarely earns you a better price.
The cover is the same with every green slip insurer because it is set by the NSW government and regulated by SIRA. Compulsory third party CTP insurance protects people injured in a road accident, covering certain injuries, medical costs and personal injury claims for other drivers, passengers and pedestrians. It does not cover damage to your own car or other vehicles, and it is not third party property insurance or comprehensive insurance.
There are also no multi-policy discounts on CTP. The main difference between providers is price and service, though NRMA Insurance adds at fault driver cover that also protects the driver, which is one of the few real points of difference between a green slip insurer and the rest.
Before you move, it can pay to check the detail, because switching is not always cheaper. Our guide on when switching green slip providers actually costs you more walks through the cases where staying put wins.
What Affects Your CTP Green Slip Price
There is not much you can change about your CTP prices, because they rest on fixed details about you and your vehicle. The main factors insurers use are:
- Vehicle type and use, since passenger vehicles, light vehicles and light goods vehicles are all priced differently
- Your vehicle’s make, model and how the car is used, which feed into your risk profile
- Your age, with young drivers generally paying more
- Your driving history, including any serious driving offence and how demerit points affect your record over the past few years
- Your claims history and where the car is garaged, since city postcodes usually cost more than country regions
- Standard charges built into every quote, including GST, any input tax credit you can claim, and the Fund Levy
CTP does not cover the driver of the vehicle in the same way comprehensive insurance does, so claims management is less central to how a green slip is priced.
For a deeper look at the eight things that set your price, read why is my green slip so expensive, and for how your record changes your quote, see how driving history affects CTP premiums.
How Green Slip Prices Are Set in NSW
Six insurers are licensed to issue CTP green slips in NSW, and SIRA oversees how they set green slip prices. Insurers must charge enough to cover the likely cost of future claims plus running costs, but they cannot overcharge, and SIRA reviews their pricing.
CTP insurance is mandatory for vehicle registration in NSW and in every Australian state, so you cannot register a vehicle without it. You must hold a valid green slip before you can register, and it is paid separately to your registration rather than added to the registration fees.
A new or used car being registered for the first time, a vehicle with cancelled registration, or one coming from interstate may need a blue slip inspection through Service NSW before you can register it. Once that is sorted, your green slip must match your vehicle registration period.
Green Slip Compare Prices Now
The good news is that comparing greenslips is simple. If you drive a standard vehicle, you can compare green slip prices online right now and make an informed decision in minutes.
Use our CTP calculator to get green slip comparison prices from all providers and start saving. If you are new to the tool, our green slip calculator guide for smart NSW drivers shows you how to read the results.
Check prices as often as you like at no charge, and we help plant trees through our environmental partner on eligible green slips sold.
Keep your contact details and vehicle details handy, compare every renewal, and you will pay the cheapest price your risk profile allows.
