Australia’s cheapest council areas for home insurance
The local government areas (LGAs) where home insurance costs the least on average, across real Cover Club quotes.
| # | Council area | State | Avg premium |
|---|---|---|---|
| 1 | Bruce Rock | WA | $940 |
| 2 | Quairading | WA | $1,098 |
| 3 | Wickepin | WA | $1,215 |
| 4 | Barossa | SA | $1,221 |
| 5 | Mount Gambier | SA | $1,266 |
| 6 | Copper Coast | SA | $1,266 |
| 7 | Harvey | WA | $1,268 |
| 8 | Kwinana | WA | $1,285 |
| 9 | Cleve | SA | $1,289 |
| 10 | Glenorchy | TAS | $1,301 |
| 11 | Campbelltown (SA) | SA | $1,343 |
| 12 | South Perth | WA | $1,354 |
| 13 | Westonia | WA | $1,355 |
| 14 | Onkaparinga | SA | $1,358 |
| 15 | Playford | SA | $1,368 |
| 16 | Port Adelaide Enfield | SA | $1,381 |
| 17 | Orroroo Carrieton | SA | $1,409 |
| 18 | Gawler | SA | $1,416 |
| 19 | Vincent | WA | $1,417 |
| 20 | Naracoorte Lucindale | SA | $1,420 |
Average premium by local government area, across real Cover Club quotes. Indicative only and individual results vary. Last refreshed June 2026.
Why these council areas cost the least to insure
The cheapest council areas are typically lower-hazard regions — inland or well-protected from flood, cyclone and bushfire — with established housing and lower claims. As a regional average it is a useful guide, but your exact premium still depends on your individual address and sum insured.
Explore more insurance data
FAQs
What is a council area (LGA)?
A local government area is the region run by one council, grouping many suburbs. The figure here is an average across those suburbs, not a single home’s price.
Is my premium the same as the council-area average?
Not necessarily. The average smooths across many suburbs; your own address could be higher or lower depending on its specific flood, fire and crime exposure.