Insurance data
Australian home insurance statistics
The typical Australian home is insured for about $2,764 a year — from 100,454 real Cover Club quotes. Here's how that varies across the country.
$2,764
typical premium
$770,678
avg sum insured
100,454
quotes analysed
Rankings
Australia’s most expensive suburbs to insure
The suburbs with the highest typical home insurance premiums, by median across real Cover Club quotes.
Australia’s cheapest suburbs for home insurance
The suburbs with the lowest typical home insurance premiums, by median across real Cover Club quotes.
Australia’s most expensive council areas to insure
The local government areas (LGAs) with the highest average home insurance premiums.
Australia’s cheapest council areas for home insurance
The local government areas (LGAs) with the lowest average home insurance premiums.
By state
| State | Cheapest quote | Dearest quote | Gap | |
|---|---|---|---|---|
| QLD | $2,892 | $6,343 | 139% more | View → |
| NSW | $2,582 | $5,164 | 117% more | View → |
| VIC | $1,891 | $3,616 | 101% more | View → |
| WA | $1,641 | $3,216 | 141% more | View → |
| NT | $2,921 | $4,449 | 67% more | View → |
| TAS | $1,665 | $3,121 | 104% more | View → |
| SA | $1,236 | $2,502 | 114% more | View → |
| ACT | $1,703 | $2,707 | 65% more | View → |
Spread = the gap between the cheapest and dearest quote for the same home across our panel. Indicative; individual results vary.