Your CTP premium is made up of the CTP Insurer Premium for the Policy of Insurance, the CTP Scheme Services fee that funds government services to support the Scheme, Stamp Duty and GST.

Several other compulsory fees and levies are collected at the same time as you renew your vehicle registration, which are the responsibility of other government agencies. Find out more about other fees and levies.

A premium range for each premium class is determined by the Regulator based on the Scheme experience and independent actuarial advice (see more information about how premiums are set).

CTP Insurers set their own premiums for each premium class based on how they assess the cost of the Scheme. Premiums are only accepted if they fall at or within the premium range.

The CTP Insurers can adjust their premiums by notifying the Regulator. Adjustments will not impact the premium shown on your renewal notice or in your mySA GOV account as these are fixed. Since premiums can change within a range, if you renew your registration (for a vehicle in the same premium class) at different times of the year, your premium may differ.

Calculate your CTP premium

To calculate the CTP premium for a vehicle, use the CTP premium calculator.

You can also use the EzyReg functions of 'Calculate renewal fee – your vehicle' and ‘Calculate renewal fee – new vehicle’ to show the applicable CTP premiums as a component of the overall registration fee.