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Car rental in Australia: rules, insurance and how to rent out your car

How car rental works in Australia — what you can rent, state-by-state rules, insurance and paperwork, plus how to earn money renting out your own car.

By John Maya · Last updated 15 September 2026

This is a platform comparison. General information gathered from public sources — pricing, features and policies change, so check each platform’s own site before deciding. Full note

Renting a car in Australia used to mean one thing: a day rate at an airport counter. In 2026 it covers four distinct markets — traditional rental fleets, street-based car share, subscription plans, and a peer-to-peer (P2P) segment where ordinary owners rent out their own vehicles.

This guide covers both sides of that market: what you can rent and roughly what it costs, the rules that differ by state, how insurance and paperwork work, and how to rent out your own car — including listing it for rent here on MotorLoop.

US$112bn
Projected global car rental revenue in 2026 (Statista)
US$135.75bn
Projected global revenue by 2030 (Statista)
360,000
Active listings reported by Turo worldwide, March 2024
20,000
Owners sharing vans on Camplify (platform figure)

The four ways Australians rent cars

ModelWhat it isWho offers it in Australia
Traditional rentalA company hires out its own fleet, usually by the day or weekAvis, Budget, Hertz, Thrifty, Europcar, Sixt, Enterprise and independents
Car shareCompany-owned cars parked on streets, booked by the hour or dayGoGet, Popcar, Flexicar
Peer-to-peer (P2P)Private owners rent out their own vehicles through a platformTuro, DriveMyCar, Camplify (caravans), evee (EVs)
SubscriptionA monthly fee bundling the car, rego, insurance and servicingCarly, SIXT+ and others

The biggest recent shift was in P2P. Uber Carshare — formerly Car Next Door, which Uber acquired in January 2022 — shut down in September 2024, citing rising costs and operational challenges. Uber still rents cars in Australia, but as an aggregator selling traditional rental-fleet inventory. That left Turo (operating here since late 2022) and DriveMyCar — which describes itself as Australia's first peer-to-peer car rental service — as the main P2P options for cars, with Camplify covering caravans, campervans and motorhomes.

What you can rent

CategoryWhere you typically find itIndicative renter pricing
Economy and compact carsEvery channelAround $32–$70 a day (Melbourne CBD examples, September 2026)
Medium cars and SUVsEvery channelAround $45–$99 a day
Utes, vans, people moversCar share, traditional, P2PFrom about $11.90 an hour plus per-km on car share
Luxury and prestige carsP2P, specialist operatorsPremium daily rates, higher bonds
Electric vehiclesevee (EV-only), Turo, some fleetsSimilar to prestige petrol cars
Campervans, motorhomes, caravansCamplify (P2P), JUCY, Britz, MauiCamplify reports an average first booking value of $880 (platform figure)
Trucks and moving vansTruck-rental arms of the majors, hire centresDaily hire
Rideshare-ready carsSpecialist weekly rentalWeekly pricing aimed at gig drivers

Renter requirements are set by rental companies rather than by law: typically a minimum age of 21 with a full licence held for at least a year, and a young-driver surcharge for under-25s. Temporary visitors can usually rent on a valid overseas licence, provided it is in English or accompanied by a translation or international driving permit.

What a renter usually needs

Age
21+ (surcharge under 25 with most suppliers)
Licence
Full licence held 1+ year; overseas licence OK for visitors if in English or translated
Payment
Credit card in the main driver's name for the bond or pre-authorisation
Check before signing
Kilometre limits, fuel policy, tolls, extra-driver and one-way fees

State by state: what actually differs

Most of the legal frame for renting is national — contract law and the Australian Consumer Law. What genuinely changes across borders is the compulsory third party (CTP) injury cover built into registration, plus a handful of practical differences:

State or territoryCTP injury coverMarket notes
NSW"Green slip" from a choice of private insurersDeep rental market centred on Sydney; a long P2P history (Car Next Door was founded there)
VictoriaTAC charge in rego, single government schemeStrong Melbourne market; DriveMyCar partnered with RACV
QueenslandMAIC, choice of private insurersBig tourist-rental market (Brisbane, Cairns, Gold Coast) and campervan demand
Western AustraliaICWA, single government schemePerth market; long-distance one-way rentals common
South AustraliaChoice of private insurersAdelaide market plus wine-region tourism
TasmaniaMAIB, single government schemeHigh tourist rental per head; thinner P2P supply
ACTMAI, choice of private insurersCar-share operates in Canberra
Northern TerritoryMAC, single government scheme4WD and camper tourism; unsealed-road restrictions are common in contracts
One state-specific check before you rent your car out

DriveMyCar's owner guidance warns that, depending on the state where the vehicle is registered, you may need to amend the registration to a "commercial" or "business" class — and that the requirements differ from state to state. Confirm with your state registration authority and CTP insurer before your first hire.

Overseas-licence rules also differ by state for people who have moved here. Temporary visitors can generally drive on a valid overseas licence, but residents must convert to a local licence within a set window — six months in Victoria, for example (VicRoads). Check your own state's rule before booking a rental as a new resident.

The laws that matter

Self-drive rental is not rideshare

Point-to-point transport — a driver carrying passengers for a fare, like taxis and rideshare — is licensed by each state. Handing someone the keys to drive themselves is a rental contract, not a hire-car service, and no Australian state requires you to hold a special licence or permit to rent out your own car. The compliance work sits in insurance, registration and tax instead. The line to watch: chauffeured hire (a wedding car with a driver, say) IS point-to-point and needs the relevant state operator accreditation.

Consumer law

Rental platforms and professional operators are bound by the Australian Consumer Law, including consumer guarantees and the rules against misleading conduct. A casual private arrangement between two individuals carries fewer of those protections, which is part of why the platform layer — a formal agreement, verification and insurance — matters.

Tax: rental income is income

The ATO's sharing-economy guidance is explicit (ATO: peer-to-peer car sharing deductions):

  • Declare all rental income in your tax return.
  • Claim only expenses directly related to the rental activity, and keep records — the ATO accepts platform trip data as evidence.
  • Platform membership and availability fees are generally fully deductible. Ownership costs (depreciation, interest, rego, insurance, servicing, cleaning, fuel where you pay it) must be apportioned between personal and income-producing use, using either the cents-per-kilometre method (capped at 5,000 income-producing km) or a logbook.

If you are carrying on an enterprise and your GST turnover across all your businesses reaches $75,000, you need an ABN and GST registration, charge GST, and can claim GST credits (ATO: how GST applies when sharing assets).

Insurance: the three layers

Watch out

A standard private comprehensive car policy typically excludes use "for hire or reward". Rent your car out on your everyday policy and you may have no cover at all during a rental — neither for damage to your car nor for your own liability. Sorting rental-period cover is the step to take before you list anywhere.

Layer 1 — CTP (compulsory). Covers injuries to people, never property. It comes with registration and stays the owner's responsibility; the registration-class question in the state table above is where it can bite.

Layer 2 — damage and theft during the rental. Each platform answers this differently:

PlatformRental-period cover (as published by the platform)
DriveMyCarIts motor fleet policy covers accident and theft during rentals, with $30 million third-party property cover, and roadside assistance
TuroHosts choose one of three earnings plans trading take-rate for protection; all include $20 million legal liability cover, with damage and theft protection varying by plan
CamplifyDamage protection is mandatory for hire — either the platform-aligned MyWay Protect product or your own comprehensive policy that explicitly covers rentals

Layer 3 — the renter's damage liability. Traditional rentals and car share include basic damage cover with a high excess (often several thousand dollars); renters can reduce it with a daily excess-reduction product or cheaper third-party excess cover. Common exclusions to read for: tyres, windscreens, roof and underbody damage, unsealed roads and water crossings.

Paperwork

Renting: driver's licence, a credit card in the main driver's name for the bond, and photo ID or a passport for overseas visitors. The rental agreement sets kilometre limits, fuel policy, tolls and extra-driver or one-way fees, and nominates who pays infringements. The condition report — with dated photos at pickup and return — is what settles damage disputes, so treat it as the most important page of the lot.

Renting your car out: proof of ownership, current registration and CTP, clear photos and an honest description for the listing, and the platform's formal rental agreement. At every handover, complete the inspection report and take dated photos; the renter should return the car clean and refuelled, as you supplied it. Keep registration, servicing and tyres current between hires.

Tax: platform income statements, expense receipts, and logbook or kilometre records; an ABN and BAS if you are GST-registered.

How to rent out your car

List it on MotorLoop

MotorLoop has a dedicated Rental listing type. List your car for rent and it appears on the cars-for-rent hub alongside other rental listings. MotorLoop is a marketplace for the listing itself: enquiries come to you, and the rental agreement, insurance and handover stay between you and the renter. That gives you full control over your terms and pricing — and it makes sorting rental-period insurance (see the warning above) your responsibility before the first booking.

Or list on a rental platform

  • Turo — the global P2P operator, in Australia since late 2022. You set price and availability, pick a protection plan, and the platform handles guest verification, payment and claims.
  • DriveMyCar — specialises in longer rentals of 7 to 365 days. Cars must be under 15 years old, under 150,000 km and under $75,000 in value. Renters are ID- and credit-checked, a security deposit is collected, and its fleet policy covers the rental period. Over $8 million paid out to owners (platform figure).
  • Camplify — for caravans, campervans, motorhomes and camper trailers. Over 20,000 owners and $500 million paid out to its community worldwide (platform figures). Commission on completed bookings (its owner page advertises 16%).
FeatureMotorLoopTuroDriveMyCarCamplify
What you can listAny vehicle, cars includedCarsCars <15 yrs, <150,000 km, <$75kCaravans and motorhomes
Rental-period insurance bundledNoYesYesYes
Typical rental lengthYou set the termsHours to months7–365 daysMulti-day trips
How you pay the platformStandard listing termsShare of trip price, varies by planBuilt into the renter's priceCommission per booking
Renter vettingEnquiries via your inboxID verificationID plus credit checkID verification

The process, whichever route you take

Renting out your car, start to finish

  1. Check insurance and registration

    Confirm your policy covers hire use (or use a platform that bundles rental-period cover), and ask your state registration authority whether your registration class needs to change.

  2. Choose where to list

    A marketplace like MotorLoop for full control over terms and pricing, or a rental platform for bundled insurance, renter vetting and payment handling.

  3. Create the listing

    Good photos, an honest description, a realistic price for your area, and clear availability. Cars with quality photos attract more enquiries.

  4. Vet every booking

    Respond promptly, review the renter's history where the platform provides it, and approve only hires you are comfortable with.

  5. Document every handover

    Complete an inspection report and take dated photos at pickup and return. Supply the car clean and fuelled, and expect the same back.

  6. Keep records and declare the income

    Save platform statements and receipts, keep kilometre records or a logbook, and declare the income in your tax return.

What you can earn

Published figures give a frame, but read them as marketing rather than medians:

SourcePublished figure
DriveMyCar$350–$1,750 a month; its worked example has a $24,000 car earning about $840 a month if rented for a full year
Camplify$880 average first booking; over $40,000 a year for its best owners (platform figures)
TuroHosts keep a share of the trip price set by their protection plan; per-model estimates on its earnings calculator

A realistic example for a mid-range car on a P2P platform: eight rental days a month at $50 a day is $400 gross; after a 20–30% platform and insurance share, about $280–320 before costs and tax.

The honest deductions come from the ATO's own worked example: an owner earning $6,000 in a year claimed $5,115 in deductions — the income-producing share of depreciation, interest, registration, insurance, servicing, cleaning and fuel, plus platform fees. Net revenue is never the headline daily rate: subtract platform fees, cleaning between hires, extra wear, the business share of ownership costs, and income tax.

A note on this guide

This is general information, not legal, insurance or tax advice. Rules differ by state and change over time, and platform terms change too — check the primary sources and your own insurer before you list or sign anything.

Sources:

Related reading

FAQs

Do I need a special licence to rent out my car in Australia?

No. Renting your car out self-drive is a rental arrangement, not rideshare, and no Australian state requires a special licence or permit for it. What you do need is appropriate insurance, current registration and CTP, and — depending on your state — possibly a change of registration class. Chauffeur-driven hire is different: that is point-to-point transport and is state-licensed.

Will my normal car insurance cover me if I rent my car out?

Usually not. Standard private comprehensive policies typically exclude use for hire or reward, so a rental could leave you with no cover at all during the hire period. Use a platform that bundles rental-period cover, or arrange a policy that explicitly covers rentals, before your first booking.

How much can I earn renting out my car?

Platform-published figures range from $350–$1,750 a month for cars on DriveMyCar, to $880 for an average first booking on Camplify, and over $40,000 a year for Camplify's best owners. Treat these as marketing figures: your actual result depends on your car, location, availability, price and how often it is booked — and costs, fees and tax come out of the headline rate.

Do I have to pay tax on car rental income?

Yes. The ATO requires you to declare all income from renting out your car. You can claim expenses directly related to the rental activity — platform fees in full, plus the income-producing share of ownership costs using cents-per-kilometre or a logbook. If your GST turnover across all your enterprises reaches $75,000, you also need an ABN and GST registration.

What is the minimum age to rent a car in Australia?

Rental companies set their own rules rather than law: typically 21 with a full licence held for at least a year, and a young-driver surcharge for under-25s. Some car-share services run dedicated under-25 plans.

Can I list my car for rent on MotorLoop?

Yes. MotorLoop has a Rental listing type: list your car for rent and it appears on the cars-for-rent hub. MotorLoop provides the listing and the enquiry path; the rental agreement, insurance and handover arrangements stay between you and the renter.

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About this guide

The MotorLoop teamThese guides are researched and maintained by the MotorLoop team, and every claim names the source that publishes it so you can check it yourself.

General information only — not advice, and not confirmed fact. Everything on this page was gathered from public sources (each platform’s own pages, reviews and press coverage) at the date shown, and pricing, features and policies change often and can vary by vehicle and location. Always check each platform’s own website for its current, correct information before making decisions.

All platform names, trademarks, logos and content referenced here belong to their respective owners; MotorLoop is not affiliated with, endorsed by, or responsible for any of the third-party sites mentioned. MotorLoop operates its own marketplace, which appears in this comparison clearly marked as ours.

Last updated 15 September 2026.

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