How much do you actually spend on insurance?
General information only — not financial advice. Everything you type stays in your browser; nothing is saved or sent anywhere.
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Why your insurance total is invisible
Insurance is one of the biggest line items in an Australian household budget, but it's the hardest to see. Premiums are spread across different insurers, billed on different cycles, and paid from different accounts. A family with car, home, health and pet cover can easily be spending $200 or more a week without any single bill ever saying so.
Converting everything to the same period is the first step to managing it. Once you can see the total, you can see which policy is quietly eating the budget.
What Australians typically spend
Spend varies enormously with where you live, what you drive and who's on the policy, but as a rough shape: comprehensive car insurance commonly runs from around $1,000 to $2,500+ a year per car, home and contents from $1,500 to well over $4,000 in flood- or cyclone-exposed areas, family private health cover often $4,000–$8,000 a year, and pet insurance $600–$2,000 per animal. Stack a couple of cars and a house on top of health cover and a five-figure annual total is normal — not an outlier.
If your total surprised you, you're the audience this calculator was built for.
How to cut the total without cutting cover
- Re-quote the biggest slice first. The breakdown bar shows where the money goes — a 15% saving on your largest premium beats 15% on your smallest.
- Check for double cover. Travel insurance on a credit card, ambulance cover inside health insurance, or contents items also listed on a specialist policy.
- Review excesses. If you'd never claim for less than $1,000, paying for a $500 excess is wasted premium.
- Question every renewal above ~10%. Use our premium increase calculator to see which policies are creeping fastest.
See this total automatically, all year round
This calculator is a snapshot. Insuro keeps the running total: forward each policy email to your private @insuro.com.au address and your vault shows every premium, every renewal date, and your whole-household insurance spend in one place — updated automatically every time an insurer sends you a new document.
Frequently asked
How does the calculator handle different billing periods?⌄
Enter each premium in whatever period you pay it — weekly, fortnightly, monthly, quarterly or annually. The calculator converts everything to an annual figure (weekly ×52, fortnightly ×26, monthly ×12, quarterly ×4) and shows the total per year, per month and per week.
What should I include in my total insurance cost?⌄
Every recurring premium: car (comprehensive or third party), home and contents, private health, life, TPD, trauma and income protection, pet, landlord, and anything else like boat, caravan or business cover. CTP is bundled with rego in most states, but NSW green slips are bought separately — include CTP only if you pay it as its own bill.
How much does the average Australian spend on insurance?⌄
There's no single official figure, but a household with two cars, a home and family health cover typically spends somewhere between $8,000 and $15,000 a year once every policy is counted. Location drives huge variation — flood and cyclone exposure can double home premiums.
Is what I enter saved or shared?⌄
No. The calculator runs entirely in your browser — nothing is stored, sent to Insuro, or shared. If you want a running total that updates itself, that's what the free Insuro vault does with your actual policy documents.
Why calculate it per week?⌄
Annual figures are abstract; weekly figures are comparable to the rest of your budget. Knowing your cover costs, say, $220 a week puts it alongside groceries and the mortgage, where it can actually be managed.
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