Vehicle garaging location is one of four factors that can apply in setting CTP premiums. A vehicle garaging address falls into one of two insurance rating districts. District 1 represents areas responsible for a higher number of claims, roughly corresponding to metropolitan Adelaide and surrounding suburbs, and district 2 represents the rest of the state.
From 1 July 2020, District 1 includes all postcodes between 5000 and 5200 inclusive (with the exception of 5001, 5153, 5154 and 5157), and postcodes 5231, 5232, 5240, 5242, 5245, 5250, 5251, 5501, 5942, 5950 and 5960. District 2 includes any area within South Australia outside of the postcodes above, plus the localities listed within the following postcode areas:
- 5118 – Concordia, Kangaroo Flat, Kingsford, Ward Belt
- 5120 – Buckland Park
- 5172 – Hope Forest, Kuitpo Colony, Kyeema, Pages Flat, Willunga Hill, Willunga South, Yundi, The Range, Dingabledinga, Montarra
- 5174 – Sellicks Hill
- 5501 – Long Plains, Calomba, Avon, Middle Beach, Port Gawler, Lower Light, Dublin, Thompson Beach, Webb Beach, Parham, Windsor, Wild Horse Plains
2020 insurance rating district boundary review
The boundary separating the two districts was established in 2002 and reviewed in 2020. As a result of the review, a new boundary was determined. This caused a number of postcodes and suburbs to transfer district. The changes are effective for CTP policies due from 1 July 2020. The postcodes and suburbs involved in the redistribution are outlined in the table below.
Transferred postcodes and suburbs effective 1 July 2020
5153, 5154, 5157, 5201, 5233, 5241, 5243, 5244, 5252
Suburbs in divided postcodes transferred from district 1 to district 2
Dingabledinga, Montarra, The Range, Ward Belt
Aldinga Beach, Sellicks Beach, Lewiston, Two Wells
The district transfer takes effect the first time you renew your vehicle registration on or after 1 July 2020.
Different premiums for districts
Each district has its own set of premium prices for each premium class. The difference in premiums between districts 1 and 2 reflects the difference in the number of CTP claims per 1,000 registered vehicles (claim frequency) and the average cost of CTP claims arising through the fault of vehicles garaged in the district.
If you live on or near the district boundary the premium for your vehicle may be different to the premium for other vehicles registered to nearby addresses as they may be in a different insurance rating district.