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Car Insurance NT

Complete guide to getting your car insured in the Northern Territory

Three steps to get insured in NT.

  • Get Compulsory Third Party (CTP) insurance. In the Northern Territory, the cost of CTP car insurance is built into your registration costs each renewal.
  • Choose your damage/liability cover. In addition to CTP cover, you should choose the type of damage and liability insurance that works for you.
  • Compare and buy online. Once you have found the right policy, compare it with other options and buy online.

Whenever you register a vehicle in the NT, or renew your registration, the cost of CTP insurance is automatically built into the fee. This only covers you for the cost of medical expenses resulting from a car accident, and not for the cost of any property damage involved. For this, you will need liability and damage car insurance.

Compare car insurance policies for the Northern Territory

What types of car insurance can I get in NT?

Find the right policy for your situation by selecting an option that strikes an appropriate balance between affordability and cover offered.

Third party propertyThird party property, fire and theftComprehensive
Personal liabilityYesYesYes
Protection for your carNoCover for fire damage and theftComprehensive protection from many forms of damage
  • Personal liability. If you damage someone else’s property, such as a car or a house, in the course of an accident, it’s referred to as a personal liability cost because you are personally liable for it. This expense is covered by all types of car insurance except CTP.
  • Protection for your car. Your policy type determines your level of protection. Third party property only policies do not typically offer any cover for your car, while fire and theft policies only cover fire damage and stolen cars. Comprehensive policies will cover the cost of most damage that may befall your vehicle.

How much will it generally cost?

Your car insurance premiums are affected by how likely you are to make a claim. The more likely this is, the more expensive your car insurance will generally be. Factors like age, your driving record, the type of car you drive and many more are all taken into consideration.

  • CTP. All CTP insurance in the NT costs the same
  • Policy type. The cost of car insurance in the Northern Territory varies depending on policy type, vehicle insured, location and your individual circumstances. Comprehensive insurance is naturally more expensive than basic cover.
  • Stamp duty. Different financial services, including car insurance, are taxed at different levels around Australia. This is known as stamp duty, and for car insurance in NT, it’s set at 10% of the premiums paid. This is typically added to the cost of the insurance.

What car insurers can I access in NT?

Use the car insurance panel to compare options from some of the top providers, including the following:

Australia Post

Australia Post can offer Territorians a way to combine value and cover with policies that include various extras. Bonuses, such as restricted driver discounts and others, are available with all policies.

Australia Post is worth considering if you’re looking for a number of options associated with your policy, or if you want the advantages offered by Australia Post Gold Comprehensive car insurance.


QBE car insurance delivers more value through usability. It comes with options like excess-free windscreen and glass protection, a protected no-claims bonus you can retain in the event of an accident and cover for personal effects kept in the car.

You can also choose your own repairer with any policy. Car lovers, and those who want insurance they can use, will want to look at QBE policies.

Budget Direct

The amount an insurer can expect to pay in claims affects the cost of premiums. Budget Direct can offer lower prices by only insuring safer drivers and passing the savings on to you.

If you think you qualify as a safe driver, or simply want the freedom to opt out of various unwanted extras, Budget Direct car insurance is the right choice for you.


You don’t want to pay for cover you don’t need and a highly customisable policy can help you achieve this. Youi allows you to tailor a policy to suit your needs and to save more.

If you already know what type of car insurance extras you’d like and want an insurer who may have it, or conversely already know what you don’t want, it is worth going to Youi.


A high standard of customer service, low prices and simple, straightforward policies are Dodo’s goals. Low prices are a good foundation on which to build and adjust a policy, and Dodo might have the right foundation for you.

For a combination of simplicity and flexibility, it is worth looking at Dodo car insurance.


Woolworths is one of few insurers that’s willing and able to offer price matching. Simply provide a written quote for a competitor’s equivalent comprehensive insurance policy, and see if you can get a preferable deal. In addition, extra benefits like discounts, are available to eligible customers.

If you’re willing to go above and beyond for lower prices, or think you’ll be hunting discounts and earning rewards, it will be worth considering Woolworths car insurance.

Virgin Money

Virgin Money offers standard personal liability as well as fire and theft policies. The company also offers two different types of comprehensive car insurance. One is an inexpensive comprehensive policy with a lot of the unwanted features removed, while the other offers a higher level of protection, albeit at a higher price.

For more policy options, including a more basic comprehensive policy, it’s worth considering Virgin Money.

Compare comprehensive policies from Australian brands

Details Features
Low-cost, straightforward car insurance aimed at safe drivers.
  • Up to $20 million in liability cover
  • Optional windscreen and window glass only cover
  • Optional car hire replacement cover
  • Fast, simple online claims process
Get Quote More info
15% discount for comprehensive policies purchased online.
  • Lifetime Guarantee on all authorised car repairs as long as you own the car.
  • Flexible payment options
  • 24/7 phone & online claims service
  • Up to $1,000 key replacement and lock re-code
Get Quote More info
Gold Comprehensive
Gold Comprehensive
Save 15% on Gold Comprehensive when you purchase online. Optional 24/7 roadside assistance with unlimited callouts.
  • New for old replacement for the earlier of 2 years/40,000kms
  • $850 ($100/day) emergency transport and accommodation
  • Cover for replacement of keys up to $1,000
Get Quote More info
Buy online to save 15% off your car insurance policy and receive a free 7" Android tablet.
  • New for old replacement for the earlier of 2 years/40,000kms
  • Online discount of 25%
  • $850 ($100/day) emergency transport and accommodation
  • $1,000 cover for hire vehicle following theft (max 14 days)
Get Quote More info
Price beat guarantee for comparable comprehensive policies for drivers aged 25 or older.
  • New for old replacement of your car - 24 months
  • Choice of agreed value of car
  • Third party property damage
  • Theft and malicious damage cover
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Benefit from new for old car replacement, cover for fire and theft, plus more.
  • Option for Drive Less Pay Less policy
  • Up to $20 million in legal liability cover
  • New for old car replacement
  • Each policy makes your car carbon neutral
Get Quote More info
Price Saver (Comprehensive)
Price Saver (Comprehensive)
Up to 15% discount for comprehensive policies purchased online.
  • Repairs with authorised dealers guaranteed
  • New for old replacement for the earlier of 2 years/40,000kms
  • No Fault Accident, no excess
  • Hail SMS alerts
Get Quote More info
24/7 roadside assistance and up to $20 million in liability cover.
  • 24/7 roadside assistance
  • Comprehensive cover for accidental damage
  • Optional hire car provision up to 14 days
  • $20 million legal liability cover
Get Quote More info
Comprehensive - Elegant Cover
Comprehensive - Elegant Cover
Save up to 20% when you buy AI car insurance online. Comprehensive cover with affordable pricing for modest vehicles, especially families.
  • New car replacement - 12 months or 20,000 km
  • Accidental damage to own and third party vehicle or property
  • Theft and/or attempted theft
  • Up to $20 million legal liability
Get Quote More info

Andrew Munro

Andrew writes for, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

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