Australia’s cheapest suburbs for home insurance
These are the Australian suburbs where a typical home costs the least to insure — ranked by the median premium across real Cover Club quotes.
| # | Suburb | State | Typical premium |
|---|---|---|---|
| 1 | Armadale6112 | WA | $856 |
| 2 | Wellard6170 | WA | $970 |
| 3 | Rockingham6168 | WA | $1,000 |
| 4 | Davoren Park5113 | SA | $1,022 |
| 5 | Yanchep6035 | WA | $1,130 |
| 6 | Longford7301 | TAS | $1,213 |
| 7 | Lancefield3435 | VIC | $1,222 |
| 8 | Belmont3216 | VIC | $1,227 |
| 9 | Dandenong North3175 | VIC | $1,227 |
| 10 | Happy Valley5159 | SA | $1,241 |
| 11 | Melton South3338 | VIC | $1,242 |
| 12 | Eaton6232 | WA | $1,249 |
| 13 | Paralowie5108 | SA | $1,257 |
| 14 | Mount Gambier5290 | SA | $1,257 |
| 15 | Truganina3029 | VIC | $1,269 |
| 16 | Encounter Bay5211 | SA | $1,270 |
| 17 | Frankston3199 | VIC | $1,279 |
| 18 | Waikiki6169 | WA | $1,280 |
| 19 | Mandurah6210 | WA | $1,286 |
| 20 | Cranbourne East3977 | VIC | $1,298 |
| 21 | Sunbury3429 | VIC | $1,301 |
| 22 | Tarneit3029 | VIC | $1,308 |
| 23 | Numurkah3636 | VIC | $1,308 |
| 24 | Kingston Se5275 | SA | $1,309 |
| 25 | Scottsdale7260 | TAS | $1,313 |
| 26 | Thornlie6108 | WA | $1,322 |
| 27 | Reservoir3073 | VIC | $1,326 |
| 28 | Dudley Park6210 | WA | $1,337 |
| 29 | Fraser Rise3336 | VIC | $1,338 |
| 30 | Clyde3978 | VIC | $1,354 |
| 31 | Jamestown5491 | SA | $1,359 |
| 32 | Officer3809 | VIC | $1,381 |
| 33 | Kangaroo Flat3555 | VIC | $1,386 |
| 34 | Ararat3377 | VIC | $1,388 |
| 35 | Hampton Park3976 | VIC | $1,392 |
| 36 | Newnham7248 | TAS | $1,394 |
| 37 | Hallett Cove5158 | SA | $1,394 |
| 38 | Elliminyt3250 | VIC | $1,401 |
| 39 | Narre Warren3805 | VIC | $1,403 |
| 40 | Geelong West3218 | VIC | $1,407 |
| 41 | Armstrong Creek3217 | VIC | $1,409 |
| 42 | Essendon3040 | VIC | $1,416 |
| 43 | Penola5277 | SA | $1,424 |
| 44 | Kalamunda6076 | WA | $1,431 |
| 45 | Altona Meadows3028 | VIC | $1,435 |
| 46 | Wyndham Vale3024 | VIC | $1,438 |
| 47 | Westbury7303 | TAS | $1,443 |
| 48 | Hindmarsh Island5214 | SA | $1,443 |
| 49 | Ferntree Gully3156 | VIC | $1,448 |
| 50 | Ellenbrook6069 | WA | $1,452 |
Median premium across real Cover Club quotes; suburbs with a sufficient sample only. Indicative only and individual results vary. Last refreshed June 2026.
Why these suburbs cost the least to insure
Cheap-to-insure suburbs share a profile: low exposure to flood, bushfire and cyclone, established housing, and a lower claims history. Many are inland or well-drained metropolitan areas away from the coast and the bush–urban fringe. Even here, premiums vary between insurers for the same home — being in a low-risk suburb is a reason to lock in a competitive price, not to stop comparing.
Explore more insurance data
FAQs
Why is home insurance cheaper in these suburbs?
Lower location risk. These suburbs face less flood, bushfire and cyclone exposure and often have lower crime, so insurers price them more keenly for the same home and sum insured.
If my suburb is cheap, do I still need to compare?
Yes — the gap between the cheapest and dearest quote for the same home is large everywhere. A low-risk suburb just means the whole range is lower; comparing still finds the best price within it.