Car Insurance Cost in Perth (2026)
Quick Answer
Partially verifiedIn Perth, comprehensive car insurance commonly costs about A$900 to A$2,500+ per year for many drivers, while third party property damage cover is often around A$300 to A$900 per year. Actual premiums vary sharply with age, suburb, claims history, vehicle type and excess, so Perth drivers in higher-risk postcodes or with performance vehicles can pay well above these ranges.
Overview
Car insurance in Perth is not set by government, so there is no single official price for cover. Instead, insurers price policies based on risk factors such as where the car is garaged in metropolitan Perth or regional WA, the driver's age and experience, annual kilometres, claims history, chosen excess and the insured value of the vehicle. As a result, two Perth drivers with similar cars can still get noticeably different quotes. For budgeting, the biggest divide is between comprehensive insurance and third party property damage insurance. Comprehensive cover is the broadest option and is usually the most expensive because it can cover damage to your own vehicle as well as damage you cause to other vehicles and property, subject to the policy terms. Third party property damage is usually much cheaper because it mainly covers damage you cause to other people's property and does not generally insure your own car for collision damage. In Western Australia, insurance is also linked to vehicle ownership costs through registration: compulsory third party bodily injury insurance is included in WA registration charges administered through the state system, rather than bought separately as it is in some other states. That means Perth drivers usually budget for registration and compulsory injury cover together, then choose whether to add optional comprehensive or third party property cover through a private insurer.
What It Costs
| Item | Cost | Evidence |
|---|---|---|
| Comprehensive car insurance in Perth(per year) Estimated range based on typical Australian market premiums for metro drivers, with Perth pricing varying by suburb, age, vehicle value, excess and claims history. | ~A$900 – A$2,500 | Estimated range |
| Third party property damage insurance in Perth(per year) Estimated range based on typical market rates for Australian third party property policies; Perth premiums vary by driver and vehicle risk profile. | ~A$300 – A$900 | Estimated range |
| WA light vehicle registration (includes compulsory third party bodily injury insurance component within total rego)(per year) Example annual renewal figure published by WA DoT for a typical light vehicle shown on its registration renewal information page; actual total varies by vehicle type, weight and concessions. | A$497.72 – A$497.72 | Verified from source |
| Motor Injury Insurance (MAIB equivalent in WA is included in rego; injury insurance cannot usually be bought separately) WA compulsory third party bodily injury cover is part of vehicle licensing, but a standalone public premium figure was not confirmed here. | Not yet verified | Awaiting verified source |
| Vehicle licence transfer fee in WA(per transfer) Government transfer application fee, relevant when budgeting total vehicle ownership costs in Perth. | A$21.9 – A$21.9 | Verified from source |
What’s Typically Included
- WA registration already includes compulsory third party bodily injury insurance
- Optional private policies are usually comprehensive or third party property damage
- Comprehensive policies may include theft, fire, storm and accidental damage subject to terms
Regulator / licensing: Department of Transport Western Australia
Variants & Configurations
How Fees Work
Perth drivers typically pay optional insurance as a monthly or annual premium to a private insurer, while compulsory injury cover is bundled into WA vehicle registration.
Factors Affecting Price
- Driver age, licence history and recent claims
- Perth suburb/postcode where the car is kept overnight
- Vehicle make, model, age, repair cost and agreed or market value
- Chosen excess and optional extras such as hire car cover
- Annual kilometres, commuting use and whether the car is financed
Local Context
Perth drivers usually face two separate ownership costs: state registration through WA's Department of Transport, and optional private insurance through insurers. There is no tipping or local service charge element in insurance pricing. GST is generally built into quoted insurance premiums, and stamp duty may also be included depending on the policy and insurer disclosure. Pricing can differ between inner Perth, outer suburbs and regional WA because insurers assess theft, weather and accident risk by location.
Some figures here are still being verified.
Where a verified figure isn’t available yet, we say so rather than guess. For the most current pricing, check the official source below.
All amounts are in Australian dollars (AUD). Annual premiums are common, but many insurers also offer monthly instalments, often at a higher total yearly cost.
Sources & References
Every price on this page is traced to a documented source. Last checked 24 September 2026.
- Department of Transport WA - Renew/replace my vehicle licence · government
Example annual light vehicle registration renewal pricing in WA and confirmation that registration charges are a key ownership cost.
- Department of Transport WA - Transfer a vehicle · government
Verified vehicle transfer application fee relevant to ownership costs in Perth.
- Department of Transport Western Australia · government
Official WA vehicle licensing authority for registration-related fees and ownership rules.
Frequently Asked Questions
Is CTP insurance included in car registration in Perth?+
Yes. In Western Australia, compulsory third party bodily injury insurance is included in your vehicle licence (registration) costs rather than purchased separately from most private insurers.
What is the cheapest type of car insurance in Perth?+
Third party property damage is usually the cheapest widely available option because it mainly covers damage you cause to other people's vehicles or property, not damage to your own car.
Why are Perth car insurance quotes so different between drivers?+
Insurers price risk differently. Age, suburb, overnight parking, car value, repair costs, claims history, listed drivers and excess all affect the premium.
Is comprehensive insurance worth it for an older car in Perth?+
It depends on the car's value and your risk tolerance. For lower-value cars, the annual premium and excess can make third party property damage better value, but comprehensive cover may still suit drivers who want protection against theft, storm or accidental damage.
Can I reduce my Perth car insurance premium?+
Often yes. Choosing a higher excess, reducing optional extras, parking off-street, limiting younger drivers and comparing annual versus monthly payments can help reduce cost.
Related Cost Guides
New Cars Cost in Phoenix (2026)
Phoenix, United States
Car Insurance Cost in Manchester (2026)
Manchester, United Kingdom
Motorcycles Cost in Birmingham (2026)
Birmingham, United Kingdom
Boats Cost in New York (2026)
New York, United States
Car Insurance Cost in Houston (2026)
Houston, United States
Tyres Cost in Phoenix (2026)
Phoenix, United States
Check current prices at the official source
Department of Transport Western Australia
Are you a business?
Get your business listed on this page and reach customers actively searching for your services.
List Your BusinessFind Vehicles & Automotive in Perth
Browse more cost guides for Perth