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CTP Insurance WA
CTP Insurance WA
Written by
Kervin Mathew
Edited by
Ellie Garran
Reviewed by
Adrian BennettCompare car insurance policies the easy way
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What is CTP insurance?
Long story short
CTP insurance is mandatory and included in your vehicle registration fees
As of 1 July 2025, motor injury insurance premiums are $504.70 per year for standard cars.
CTP insurance in WA doesn’t cover the at-fault driver
For others, it provides compensation for personal injury, medical care, rehabilitation, catastrophic injury support, and other related costs.
CTP does not cover vehicle or property damage
Consider comprehensive or third-party car insurance to protect you from any unexpected expenses.
What is CTP insurance?
CTP insurance is your safety net if you cause a car accident and someone gets hurt. In WA, CTP insurance is bundled into what’s called motor injury insurance. The Insurance Commission of Western Australia (ICWA) manages motor injury insurance in the Wildflower State.
On top of CTP insurance, motor injury insurance also includes something called the catastrophic injuries support (CIS) scheme, which is designed to cover you and other injured people if no other driver in the crash is at fault.
Is CTP insurance mandatory in WA?
As with the rest of Australia, you need CTP insurance to legally drive your car in WA – and for good reason.
Not only does it protect your financial liability for injuries that you cause in an accident, but it also provides valuable assistance to those affected by road accidents – including pedestrians, passengers, cyclists, and motorcyclists. So it’s not just about ticking a box!
Does my WA vehicle registration include CTP insurance?
It’s right as rain – all WA-registered vehicles have motor injury insurance premiums automatically included in their registration costs. As it’s issued and managed solely by the ICWA, you won’t need to sift through and compare CTP insurance providers before you pay for your car registration.
How much does CTP insurance cost in WA?
As of 1 July 2025, it costs $504.70 annually to insure a standard car with motor injury insurance. The cost of motor injury insurance cover varies depending on the class of vehicle being registered.
The ICWA has a breakdown of the price you can expect to pay for a motor injury insurance policy based on the type of vehicle you’re insuring.
What does CTP insurance cover in WA?
A motor injury insurance policy is designed to protect your financial liability if you or someone else driving your vehicle injures someone in an accident.
It covers and provides compensation for the costs of:
- personal injury and death caused to others by any driver of the vehicle. This includes compensation for pain and suffering, economic loss, claims management expenses, medical treatment, and rehabilitation
- care and support for catastrophic injuries incurred by you and others (if no other driver was negligent).
In WA, CTP insurance is designed to reimburse victims who can prove that another driver was completely or partially at fault.
These expenses that can be reimbursed may include, such as hospital costs, long-term care, and allowances for lost income.
But remember – motor injury insurance doesn’t cover you for property damage. So if you clip someone’s ute or get into a prang avoiding a cheeky quokka on Rottnest, you’re on the hook unless you’ve got extra cover!
Helpful tip
If you drive your car for a rideshare platform such as Uber, you may need to pay extra for CTP insurance. It’s important you have the right coverage so that you’re protected in the event of a crash.
Toby Hagon
Motoring Journalist
Do I need additional insurance in WA?
In WA, motor injury insurance will cover you for any injuries or even deaths caused by your car in a car accident. But as with other states, it won’t cover the damage caused to your car or anyone else’s. This damage could potentially cost you thousands of dollars.
To make sure you’re not left footing a massive repair bill after a fender bender, you may want to consider purchasing additional car insurance for added financial security and peace of mind.
Taking out a comprehensive car insurance policy can help ensure you’re covered for your own vehicle and damage to other people’s property, regardless of who’s at fault.
Should I get comprehensive or third-party insurance?
The type of car insurance that works for you ultimately depends on your needs and, let’s be honest, your budget too!
Comprehensive car insurance offers the broadest coverage. It can help pay for damage to vehicles and property if you cause an accident, as well as losses due to theft, fire, vandalism, acts of nature, and more – and WA storms can be wild!
You may also be able to choose from a range of optional benefits, such as:
- towing and roadside assistance
- hire car reimbursement
- windscreen protection
- lost key replacement
- new-for-old car replacement.
On the other hand, third-party property insurance can only cover damage you cause to other people’s vehicles and property. Since it doesn’t pay for repairs to your own car, you might choose this type of cover if you think your car isn’t worth a mint.
Third party property, fire, and theft insurance can cover repairs to other people’s property, as well as fire damage to and theft of your vehicle (but not repairs to your vehicle for damage from an accident).
Without adequate car insurance cover, you might be out of pocket for any vehicle repairs. So, consider the risk in getting behind the wheel without it.
Looking for more cover?
With so many car insurance products in the market, it might be a task and a half getting car insurance quotes and then short-listing the features you want at a price that fits your budget – who’s got the time for that?
Thankfully, iSelect’s car insurance comparison tool can help you get your ducks in a row by comparing policies from a range of well-known car insurers in Australia.
And remember – before you buy a policy, you can read the product disclosure statement and target market determination documents to get an idea about things like policy exclusions and who the policy is suitable for.
Get started on comparing car insurance policies!
Save time and effort by comparing a range of car insurance quotes with iSelect
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