car insurance for p-platers cost

P-platers pay the “youth tax”, so car insurance in Australia isn’t cheap, but it doesn’t have to be highway robbery.

For comprehensive cover, expect roughly AUD 1,600–3,500 per year for a typical small car; performance or high-value models can push well past AUD 4,000. Third Party Property Damage (TPPD) can sit around AUD 300–800 if you’re keeping costs lean. Insuring a new car usually costs more—think roughly AUD 2,000–4,000 for comprehensive—while a modest used car might land closer to AUD 1,200–2,800, assuming clean record and sensible postcode.

Premiums swing wildly with age, location, claim history, excess choice, and the actual car (a turbo hatch will make underwriters clutch their pearls). Shop around, tweak the excess, add listed drivers correctly, and ask about telematics or learner-to-P discounts to trim the bill.