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Cremation costs in Australia

With traditional funerals costing anything up to $15,000 – or potentially more – it's understandable that many are choosing cremations as a way to pay their respects to a loved one.

Cremation costs explained Price breakdown
Help cover the cost of a cremation Compare funeral insurers

Cremations can be a much more affordable option than burials. Here's what you need to know about meeting the cost of final expenses.

How do cremations work in Australia?

There are 2 main types of cremation to understand. These are:

  • A cremation package. This is where the cremation takes place as part of a funeral ceremony you've chosen. In NSW alone, there are around 380 providers of burial or cremation services.
  • A direct cremation. Sometimes called a "no-service cremation", this is a basic cremation that doesn't include a funeral ceremony. No friends or family are present. Of course, a memorial service can be arranged by the deceased's loved ones at another time and place.

If you're looking into a full cremation service, it's a good idea to ask a provider to list out their full range of inclusions. In addition to the private cremation, this may include things such as transportation costs for the return of ashes to the family and any paperwork and registration.

How much does a cremation cost?

The main costs linked with a cremation include as follows:

Cremation expensePrice (from)
Death certificate$66
Cremation certificate$110
Cremation permit$110
Cremation capsule$300
Cremation service (at crematorium)$600
Cremation service with chapel service$1,200

Keep in mind: Cremation costs vary depending on your circumstances and preferences, your location and individual providers.

What is the cheapest form of cremation?

Finder research suggests a simple cremation capsule can start from around $300. But this is just one cost to consider.

Tip: If you're having a service alongside a cremation, you could save by holding a service on a weekday and keeping things simple. For example, by bringing flowers from the garden.

What is the cheapest burial or cremation?

At the time of writing, Just Cremate Me, who is based in Queensland, said it offered a 'direct cremation' service from $1,175. According to Bare Cremation, a Brisbane-based cremation service may cost $1,899.

How does this compare to a burial service? Finder's research has found a traditional burial service alone can cost around $5,070, and a funeral overall can cost around $15,000, according to MoneySmart.

Prices will vary by the cemetery and grave type. For a premium coffin, you can expect to pay as much as $10,000.

Cremation services in Australia

Cremation serviceAvailability
Australian Direct CremationsNew South Wales
Bare CremationNew South Wales, Victoria, Queensland, ACT, South Australia and Tasmania.
Cost Less CremationsAustralia-wide
Just Cremate MeQueensland
Value CremationsNew South Wales, Queensland, South Australia, Victoria and Western Australia
Fixed Price CremationsVictoria

Funeral insurance providers that will help cover cremation costs

To cover the cost of a cremation, you could opt for funeral insurance.

How does it work? With a payout from a funeral policy, you can fund the cost of a cremation. Each provider you can compare in the Finder table below will offer immediate cover of up to $15,000. This should be more than enough to meet any cremation costs.

Quick tip: Look for an insurer with a 'value promise'. This means they'll pay out the same amount you put in or more, assuming you've held your policy for at least 12 months. At the time of writing, these guarantees were offered by Medibank and Insuranceline.

1 - 5 of 6
Name Product Maximum cover Maximum entry age Average claims acceptance rate Average claim time Sum Insured Expiry age
Real Funeral Cover
$15,000
79
99.30%
0.8 months
$1,926 million
100th birthday
Get back 10% of premiums you've paid after your 12-month policy anniversary – as part of The Real Reward programme.
Seniors Funeral Insurance
$15,000
79
99.30%
0.8 months
$1,926 million
100th birthday
Get up to $15,000 in funeral cover, including an extra 25% bonus cover when you turn 85.
Apia Funeral Insurance
$15,000
80
99.70%
0.6 months
$3,366 million
No expiry age as long as premiums are paid
Save 5% on funeral insurance premiums every year for the life of your policy. Offer ends 30 Sept 2024. T&Cs apply.
Suncorp Funeral Insurance
$15,000
80
99.70%
0.6 months
$3,298 million
No expiry age as long as premiums are paid
Save 5% on funeral insurance premiums every year for the life of your policy. Offer ends 30 Sept 2024. T&Cs apply.
Insuranceline Funeral Insurance
$15,000
80
99.70%
0.6 months
$3,366 million
No expiry age as long as premiums are paid
Protect your family with an Insuranceline policy and you can go into the draw for a chance to win a $1,000 gift card. New Customers only, T&Cs apply. Competition entries close on 31 July 2024.
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Support resources

If you need support meeting the costs of a funeral, visit the government's Moneysmart website.

If you need emotional support after a bereavement, you can speak to Lifeline Australia on 13 11 14 or Relationships Australia on 1300 364 277.

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Editor

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James's expertise
James has written 259 Finder guides across topics including:
  • Car, home, life, health, travel and pet insurance
  • Managing the cost of living
  • Money-saving tips

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