How much does a funeral cost?

How much does a funeral cost?

Funerals are a time when we say goodbye to our loved ones and reminisce on happy memories. But funerals can also be expensive, causing financial stress for those left behind.

The cost of a traditional funeral usually includes the funeral director’s fee, as well as the price of a casket, burial plot, flowers and transport. These items can add up to $14,000 or more, and this amount will continue to rise with inflation.

Which type of funeral costs less?

The cost of a funeral service varies widely, depending on what you choose. If you’re planning your own funeral, you’ll probably have a budget in mind, and it pays to shop around.

What’s involved?

Some general funeral costs might include:

  • A fixed professional service fee, which covers the full arrangement by a funeral director
  • The coffin, and the fee for burial or cremation
  • Transport, or presentation of the deceased
  • Minister and organist fees
  • A headstone or a memorial plaque
  • Extras such as flowers, printing and newspaper notices

How much does cremation cost?

Generally, cremation is cheaper than burial. The average cost for a cremation is around $3,600.1 As well as costs, you should think about whether a cremation is the right service for your family. While there is no gravesite that your family can visit, they can scatter your ashes in a place important to you, such as a favourite beach. You can also choose to have your ashes kept somewhere – in a memorial wall or garden in a cemetery, for example. While this gives your loved ones a place to visit, it’s also more expensive.

How much does burial cost?

Burials are often more expensive. Much of the expense of a burial is associated with the burial plot. Depending on the cemetery, a single grave can cost from $4,500 upwards.1

However, you might prefer to choose a burial service for religious and family traditions. There are advantages – for example, there will be a site that your family can visit to be with you and remember you. Your loved ones can also bring flowers and take care of the burial site, which can be very comforting.

Who can afford to pay for funeral expense at short notice?

Although it’s not something anyone likes to think about, it makes sense to prepare for your funeral now.

Remember that your funeral will be a very difficult and emotional time for your family. But you can help make this difficult time easier for them by taking out funeral insurance to help cover the cost. Preparing for your funeral is one of the most loving things you can do for those you leave behind. After all, you wouldn’t want to risk leaving your family with the financial stress of your funeral expenses, especially when they are grieving.

Funeral insurance pays a lump sum benefit to your loved ones when the time comes for your funeral. This makes it easier for them to say goodbye without the added worry of funeral expenses and unpaid bills.

Leave your loved ones a final gift, by taking care of your affairs now. The funeral is an important part of their grieving process too, so helping them cover your funeral costs means they’ll be able to give you a meaningful farewell.

Benefits of funeral insurance

These are some of the ways funeral insurance protects your family from financial stress:

  • You can choose an age-based or a fixed premium payment option, and keep your premiums within a budget
  • You can choose optional Children’s Insurance for your child aged between 2 and 17 years old
  • Claims are usually paid out tax-free and without delay, so your loved ones get financial support when they need it
  • Accidental Serious Injury insurance is also included, providing added support in the event of certain accidental serious injuries
  • You can choose your benefit amount to be paid in the event of your death*

Find out more

To find out more about planning for the costs of your funeral, contact us or receive an instant quote.


  1. Funeral costsFind Legal Answers, State Library of New South Wales


* Cover is for accidental death only in the first 12 months. If you cancel your policy and cover ends, no benefit is payable.

Advice on this website is general only and does not consider your individual objectives or financial situation. Please review the relevant PDS and the FSG available here to ensure these products are right for you. Funeral Insurance Products are issued by Hannover Life Re of Australasia Ltd ABN 37 062 395 484.