CTP insurance in Queensland
A guide to how CTP insurance works in Queensland.
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?
| Provider | Annual Cost |
|---|---|
 | $409.80 |
 | $404.80 |
 | Unable 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.
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