CTP insurance in Queensland

A guide to how CTP insurance works in Queensland.

Peta Taylor's headshot

By

Peta Taylor

Updated

Fact checked

Start comparing

Key takeaways

  • Compulsory Third Party insurance (CTP) is — as the name implies — compulsory.
  • Queenslanders get to pick who their CTP insurer will be. Some other states don't.
  • There are 3 insurers who provide CTP cover; Suncorp, Allianz and QBE.

What is CTP insurance?

Compulsory Third Party (CTP) insurance covers personal injuries caused by motor vehicle accidents and is a legal requirement in Queensland. It operates under the Motor Accident Insurance (MAI) scheme and is available through 3 private insurers. In Queensland, CTP is automatically included in your vehicle registration — so if your car is registered, you're already covered. If your car is unregistered, you'll need to purchase CTP before registering it.

Who offers CTP insurance in QLD?

Compulsory Third Party (CTP) insurance can be purchased from Suncorp, Allianz, and QBE.

How much does CTP cost in Queensland?

ProviderAnnual Cost
Picture not described$409.80
Allianz logo$404.80
QBE LogoUnable to get online quote

The above quotes apply to a car or station wagon not registered for GST and are accurate as of March 2026.

Do I need any other insurance?

CTP insurance only covers you for the legal liability of injuries caused by car accidents. It does not cover damage to your car or the legal liability of damages you incur to other people's car or property. To be covered for this, you should look into third party property damage, third party fire & theft or comprehensive car insurance. Comprehensive insurance is the only one that will cover you for damage to your own car during an accident.

FAQs

Sources

Peta Taylor's headshot
Written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

  • ALDI car insurance review

    ALDI car insurance offers comprehensive car insurance with really solid benefit limits.

  • ahm car insurance review

    ahm offers a decent level of coverage but might not suit drivers on a tighter budget.
  • RACQ Roadside Assistance Review

    RACQ offers strong benefits and service, but drivers can expect to pay higher premiums and a joining fee.
  • Australian Seniors car insurance review

    With 5% off for seniors, budget-friendly policies, and some uncommon benefits, Australian Seniors is worth considering.
  • ANZ car insurance review

    ANZ car insurance is typically more expensive than average, but it does have some generous benefits.
  • Australian Unity Car Insurance

    Australian Unity car insurance, underwritten by Allianz, offers two levels of cover, the freedom to choose your own repairer and an easy 24-hour claims service.
  • APIA car insurance

    APIA car insurance is issued by AAI Limited and offers 3 levels of cover, a range of discounts and a lifetime guarantee on repairs.
  • Coles Car Insurance review

    Coles car insurance is a budget-friendly option for young people, but older drivers may be able to find cheaper cover elsewhere.
  • Allianz car insurance review

    With a higher-than-average price but no particularly impressive benefits, Allianz was outperformed by many other car insurers in the 2024 Finder Insurance Awards.
  • AAMI car insurance review

    With strong cover and reasonably-priced policies, AAMI performed well in the 2024 Finder Awards. However, some popular benefits are missing and cheaper options are available.
Go to site