Australia’s most expensive council areas to insure
The local government areas (LGAs) where home insurance costs the most on average, across real Cover Club quotes.
| # | Council area | State | Avg premium |
|---|---|---|---|
| 1 | Murweh | QLD | $22,906 |
| 2 | Ashburton | WA | $11,031 |
| 3 | Burdekin | QLD | $10,433 |
| 4 | Karratha | WA | $10,185 |
| 5 | Beverley | WA | $9,904 |
| 6 | Walgett | NSW | $9,852 |
| 7 | Maranoa | QLD | $9,550 |
| 8 | Karoonda East Murray | SA | $9,474 |
| 9 | Barcoo | QLD | $9,011 |
| 10 | Richmond Valley | NSW | $8,821 |
| 11 | Augusta Margaret River | WA | $8,683 |
| 12 | Tablelands | QLD | $8,297 |
| 13 | The Hills | NSW | $8,183 |
| 14 | Port Hedland | WA | $8,074 |
| 15 | Coonamble | NSW | $7,877 |
| 16 | Cairns | QLD | $7,565 |
| 17 | Western Downs | QLD | $7,506 |
| 18 | Brewarrina | NSW | $7,345 |
| 19 | Clarence Valley | NSW | $6,996 |
| 20 | Broome | WA | $6,982 |
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 most to insure
Council areas group many suburbs, so an expensive LGA usually spans a region with broad natural-hazard exposure — large flood catchments, cyclone-prone coastlines, or an extensive bushfire interface. Averaging across the whole area smooths out individual suburbs, giving a regional view of where insuring a home costs the most. Your own address can still sit above or below the LGA average depending on its specific risk.
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FAQs
What is a council area (LGA)?
A local government area is the region administered by a single council. It groups many suburbs, so an LGA figure is a regional average rather than a single suburb's price.
Why are these council areas so expensive to insure?
They tend to cover regions with high natural-hazard exposure — flood, cyclone or bushfire — so the average premium across their suburbs is higher.