average car insurance cost victoria

In Victoria, the compulsory injury cover (TAC/CTP) is baked into your rego, so “average car insurance cost” usually means the optional stuff.

Expect Third Party Property around $250–$600 per year for a typical driver and car, and Comprehensive roughly $900–$1,800 per year (under‑25s or spicy machines can be $2,000–$3,500+).

Premiums jump or drop with postcode, driving history, kilometres, where the car sleeps, and the price of its shiny bits. New cars can cost more to insure than older runabouts thanks to higher repair values, but a thirsty performance “classic” will happily buck that trend. Compare excesses and inclusions, then haggle like it’s shed‑sale Saturday.