How car insurance is calculated in Australia for comprehensive $800 to $1,500 per year is based on car value $10K to $50K, driver age, claims history, location, excess $500 to $1,000 and cover type, with younger drivers paying 50% to 100% more. Car insurance calculated via risk factors, with base premium for car value $20K $500, plus driver age 25 years old adds 50% $250, claims history no claims bonus discount 20% to 60% saving $160 to $900 per year, location Sydney higher 20% $100 due to theft and traffic, excess $500 to $1,000 lower excess $500 costs $100 more than $1,000 excess, and cover type comprehensive $800 to $1,500 versus third party property $300 to $500. For example, 30-year-old driver with 5 years no claims 40% discount, car $20K value, location Melbourne, excess $600, comprehensive premium $800 = base $1,000 minus no claims $400 plus location $100 plus age $100. Young driver 20 years old no no-claims, same car $20K, premium $1,500 due to age loading 100% $500 extra and no discount. For CTP green slip mandatory $400 to $800 calculated via car type, location and claims history. So car insurance calculated via car value $10K to $50K, driver age, no claims bonus 20% to 60%, location, excess $500 to $1,000 and cover type, with comprehensive $800 to $1,500 average, third party $300 to $500, with younger drivers $1,500 and older with no claims $800.
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