Your CTP insurance premium is paid as part of your motor vehicle registration. The CTP Insurance premium is made up of the CTP premium paid to insurers for the policy, and CTP Scheme costs. Several other compulsory fees and levies are collected at the same time, which are the responsibility of other government agencies.
The table below provides further details on the various fees and charges.
Fee or Levy
Responsible Government Agency
Registration Fee /
For registration of your motor vehicle. The Administration Fee is the cost of processing the total registration transactions.
Department of Planning, Transport and Infrastructure
CTP Insurance Premium (ex GST)
CTP Insurance Premium is made up of the CTP Insurer premium and the CTP scheme costs. The scheme costs are used to fund services that support the CTP Scheme including road safety initiatives, emergency health services and the Regulator’s office.
GST Component of CTP Insurance Premium Fee
GST is charged at a rate of 10% on the CTP Insurer Premium component only.
Emergency Services Levy (ESL)
For mobile property (i.e. motor vehicles), to fund Emergency Services, which form around 25% of all emergency service call-outs involve road accidents or related activity.
Lifetime Support Fund (LSF) levy
Paid by all motorists for the ongoing treatment, care and support for anyone who suffers a serious lifelong disability as a result of a motor vehicle accident in South Australia.
Lifetime Support Authority
Stamp Duty on the Insurance Policy
Determined by Schedule 2, Part 1(3), of the Stamp Duties Act 1923. This is paid into the Hospital Fund for the maintenance of hospitals.
How are CTP premiums set?
The Regulator is responsible for determining CTP insurance premiums under the Compulsory Third Party Insurance Regulation Act 2016 (SA) (CTPIR Act).
During the transition period from 1 July 2016 to 30 June 2019, annual premium increases are in line with the contractual agreement between the CTP Insurers and the Government. During this time, CTP premiums increase by 3% per annum.
This was designed to ensure a smooth transition for both CTP Insurers and vehicle owners ahead of CTP price competition for policies due on or after 1 July 2019. You can find the current CTP premiums in the 2018-19 premium schedule.
What will happen to premiums for policies effective from 1 July 2019?
A premium range for each premium class will be determined by the Regulator based on the Scheme experience and independent actuarial advice. Primarily, premiums are driven by the number and cost of claims projected for each accident year.
CTP Insurers will be able to set their premiums within the range determined by the Regulator.