Vehicle garaging location is one of four factors that may apply in setting CTP premiums. A vehicle garaging address falls into one of two insurance rating districts. District 1 represents higher populated areas, roughly corresponding to metropolitan Adelaide, and district 2 represents the rest of the state.

The districts are divided by a boundary via postcode and, in some areas, localities within postcodes. The boundary requires ongoing review as South Australia continues to change. Periodic review helps to ensure premiums are applied fairly across the community.

Results of 2020 review
The boundary was reviewed in 2020. The review confirmed the majority of postcodes and suburbs are correctly allocated to district 1 or district 2. The review identified a number of areas that were inconsistent with their current district classification. This resulted in approximately 44,000 registered vehicles being transferred into the appropriate district. Find out more information about the areas transferred to another district.

Of the transferred vehicles, approximately 16,000 transferred from district 2 to district 1, with most experiencing a CTP premium increase. Approximately 28,000 vehicles transferred from district 1 to 2, with most experiencing a decrease in CTP premium.

The premium classes of rideshare, tractors, historic & left-hand drive vehicles, and car carrier trailers are not affected because their premiums are currently the same regardless of district. Taxi and bus (premium class category of public passenger: omnibus) premium classes are not differentiated by garaging address and remain unchanged. Trailers are also unaffected as they are exempt from paying CTP premiums; however, they are covered by CTP insurance.

The boundary review altered the contribution each district makes to the funding but CTP scheme funding remains the same overall.

View the report for further details.

Criteria for grouping areas into insurance districts

The review used the number of CTP claims for every 1,000 registered vehicles (claim frequency) as the basis for allocating areas to districts. Claim frequency is significantly higher for district 1 compared to district 2. The number of registered vehicles per square kilometre was used for low population areas with low numbers of vehicles and CTP claims.

Owners of vehicles transferred from district 2 to district 1

Vehicle owners experiencing a CTP premium increase were sent a letter in February ahead of changes coming into effect from 1 July 2020. A reminder is included on the first registration renewal notice or sent electronically to direct debit customers and subscribers of digital renewal notices.

CTP premiums

See more information on how CTP premiums are set.

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