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Updated 14/09/2023
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Written by

Francis Taylor

Updated 14/09/2023

What changed?

Updated data and statistics.
Our aim is to help you make better informed decisions. That’s why iSelect’s content is produced in accordance with our fact-checking and editorial guidelines.

Edited by

Laura Crowden

Find out more about how we make money.

View our Privacy Policy.

iSelect does not compare all providers or policies in the market and not all policies or special offers are available at all times, through all channels or in all areas. Not all policies available from our providers are compared by iSelect and due to commercial arrangements and customer circumstances, not all policies compared by iSelect are available to all customers. Learn more.

How does Car Insurance in Queensland work?

So, you live in Queensland and you own a car? The Sunshine State is your oyster. But before you jump in your vehicle and zoom off to somewhere beautiful one day, perfect the next, you might want to double check you’ve got suitable car insurance.

What kinds of Car Insurance are available in QLD?

Compulsory Third Party Insurance (CTP)

CTP is a must-have for all drivers in the Sunshine State. It’s actually compulsory across all states to some degree (and for good reason). CTP helps Queenslanders from being held financially responsible if they injure someone in a vehicle accident. This includes passengers, pedestrians and other drivers. If you were injured as a result of another driver’s actions, you can also claim under CTP insurance to access medical treatment and compensation. 

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Comprehensive Cover

Comprehensive Cover can help with the cost of repairs or even the replacement of your car and property whether you’re at fault or not. Depending on your policy, it can also help cover other costs associated with an incident such as emergency repairs, transportation and damage caused by other drivers.

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Third Party Property Cover

Third Party Property Insurance can help cover any damage that you may have caused to another person’s muchloved vehicle or property. It can include legal costs but it generally doesn’t cover the cost of damage to your own car.

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Third Party Fire and Theft Cover

Third Party Fire and Theft Cover helps provide cover for the loss or damage of your car if it’s stolen or catches on fire, as well as your liability for damage caused by your car to another person’s property.

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A breakdown of typical inclusions in each policy

Insurance Type Injuries to other people Damage to other people’s car or property Damage caused by fire or theft Accidental damage to your own car 
CTP Yes No No No 
Third-Party Property Damage No Yes No No 
Third-Party Fire and Theft No  Yes Yes No 
Comprehensive No Yes Yes Yes 

How much does Car Insurance cost in Queensland?

Taking a look at iSelect’s Car Insurance data for Queensland, here are the average comprehensive premiums for 2022 for males and females.

Helpful Tip:

When it comes to figuring out which car insurance policy is suitable for you, it’s important to weigh up the risks. For example, if you live in an area of Queensland that’s prone to extreme weather events, like tropical cyclones, then it might be a good idea to take that into account when looking for a policy. Comprehensive insurance could be worth considering if you’re looking for a policy that can help cover repair costs to your own vehicle if you’re at fault in an accident.

Paul Maric

Managing Editor and co-founder of CarExpert.

How users rated our service

Car Insurance in Queensland: your frequently asked questions

How much does CTP Insurance cost in Queensland?

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How do I get great value out of my Car Insurance policy?

How do I compare Car Insurance?

iSelect does not compare all car insurers or policies in the market. The availability of policies may change from time to time. Not all policies available from iSelect’s providers are compared by iSelect and due to commercial arrangements, area or availability, not all policies compared by iSelect will be available to all customers. Some policies are available only from iSelect’s call centre or website. A number of our participating general insurance brands are arranged by Auto & General Services Pty Ltd ACN 003 617 909 on behalf of Auto & General Insurance Company Limited 111 586 353, both of which are related entities of iSelect Limited. Our relationship with those companies does not impact the integrity of our comparison service. Click here to view iSelect’s range of providers.

iSelect General Pty Limited ABN 90 131 798 126, AFS Licence Number: 334115. Any advice provided by iSelect is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice iSelect gives you, having regard to your personal situation, before acting on iSelect’s advice or purchasing any policy. You should consider iSelect’s Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold that is a percentage of the premium or a flat fee. Ask us for more details before we provide you with any services.