Australia Car Insurance

Cheap Australian car insurance could be easier to find than you think. Check how much you could save by choosing UbiCar, Australia’s new insurance provider.

Drive less, pay less.

Pay Per Kilometre Policy

Drive well, save more.

How You Drive Policy

It's all in the App.

Unlike other insurers, UbiCar offers fully comprehensive monthly cover that is based on how well or how far you drive your car. We do this by  using App based technology to personalise your premium and make insurance fairer. It’s also known as Usage Based Insurance and is how we got our name!

What our customers say.

Savings and benefits users now enjoy since switching to UbiCar**

*Savings are factual and based on comparison between the customer’s current Comprehensive Car Insurance policy with UbiCar as of December 2018 and their policy with their previous insurer. Premiums and savings may differ depending on individual circumstance.

Manage your insurance from your phone.

The UbiCar App is the one-stop shop to managing your policy

Why choose us?

All our policies offer these as standard so that you can keep your mind on the road

Optional Extras

Terms, conditions, limits and exclusions apply. Please read the relevant Product Disclosure Statement and Premium and Excess Guide for full details.

We believe insurance should be fair.

"UbiCar helps make safer drivers and reduce insurance costs"

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"New driver tracking app can save you big on car insurance"

“Pay less for car insurance if you’re a good driver”

7 News logo

"The disrupter Ubicar is offering insurance based on how you drive."

“UbiCar is a Free App that Rewards Drivers for Safe Driving”

For more reviews and media mentions please click here

UbiCar is proudly 100% Australian owned, and if you ever need assistance, our locally based call centre staff are here to help.


Most frequently asked questions and answers.

Usage based insurance is personalised car insurance based on your driving style and how your car is driven. UbiCar Insurance uses telematics to measure your driving and reward safe driving with lower premiums.

UbiCar is here to disrupt the Australian insurance industry by giving drivers a fairer premium based on HOW they drive, not simply based on their demographics. The UbiCar app is free to use, and tracks your driving using telematics, so we can give you a driver score. UbiCar safe drivers can make substantial savings on their car insurance premiums based on their driver score. We are 100% Australian Company, and proud of it!

UbiCar Insurance was founded to use technology to take the guess work out of insurance, and provide Australian drivers with substantial savings on their insurance. UbiCar is backed by RAC Insurance who has been the trusted insurer of West Australians for over 70 years. Company details are: UbiCar Insurance Pty Ltd (ABN 83 601 223 858; AFSL 469073) policies are underwritten by RAC Insurance Pty Limited (ABN 59 094 685 882; AFSL 231222).

If you drive well, you are less likely have an accident, so it makes sense that you should pay less for your insurance – that’s fair and that’s what UbiCar aims to deliver. We’re making sure that premiums for car insurance are fair one policy at a time.

We believe in fair priced insurance for everyone and are using technology to deliver lower cost car insurance.

The UbiCar app tracks your driving (think braking, cornering, phone distraction, acceleration and speeding) and uses that information to give you a driver score and calculate your premium. The better driver you are, the better your premium will be. The UbiCar App is free in the app stores.

Your driving score reflects how safe a driver you are, ranging from 40 to 100. The higher the score, the safer the driver! The primary elements of driving behaviour that go into these calculations are your speed, harsh braking and acceleration, cornering, and mobile phone distraction. Your driving behaviour is monitored across a variety of trips to give you an average score. You can monitor your scores through your free UbiCar App.

You simply pay insurance for the number of kilometres you drive each month plus a low base premium for when your car is not being used.

At the end of the month we multiply the kilometres driven for that month by the rate per km. We add that to your monthly base premium and that’s the total you pay. No need to worry if you’re going on a road trip, we cap the daily km charge at 100km so you can rest assured your costs stay affordable.

Your premium will vary monthly depending on how many kilometres you drive. We consider other factors as well when calculating your base premium and rate per km. This includes things such as your car’s agreed value, the make and model of your car and where you keep your car overnight. The base rate covers your car whilst you are not driving.

When you sign up for a Pay per km policy you are sent an UbiCar Device which takes a reading of your odometer. We use that number of kilometres to calculate your premium each month and whenever you change or cancel your policy.

UbiCar is not for everyone. You may find you can get cheaper insurance elsewhere, and we’d encourage you to find the best price together with features and benefits for your car insurance.

We want you to feel like you’re being looked after every time you deal with us. But if you don’t feel we’ve handled something properly, send us an email at or call us on 1300 UBICAR (1300 824 227) and we’ll sort it out for you. However if you’re still not happy, you can follow our Complaints process – see Important Information section in your Product Disclosure Statement for details.

Don’t see your question? Please visit our help section.

Australia Car Insurance

We are the insurance provider offering a new way of calculating your insurance premium, changing the way Australia’s car insurance works. If you’re on the hunt for a new insurance provider or you’re a younger driver looking for your first policy, then check out how UbiCar is doing things differently with unique policies like our pay per kilometre insurance and pay how you drive policies.

How much is car insurance in Australia?

The top car insurance companies Australia can quickly and easily be compared using tools like iSelect. What you may not know, however, is that UbiCar is changing the way a traditional comprehensive car insurance policy is offered. Instead of being guided by demographics and statistics, we are committed to ensuring that we remain as fair as possible, offering our customers opportunities to pay less for their insurance their way. Our policies span the entire country, covering drivers in NSW, Victoria, WA, QLD, SA and everywhere in between.

Our pay per kilometre – or pay as you drive insurance – works not by covering you for the likely kilometres that you travel every year but the actual mileage that you do. Both of our policies are reliant on using the UbiCar App. In the case of our pay per kilometre insurance, you use our app while you drive and it records the physical kilometres that you have driven. At the end of the month we calculate your kms and then adjust your monthly premium to ensure that pay for the actual distance that you’ve travelled.

If you’re a senior driver and not likely to rack up many kilometres every year then this could be the best car insurance in Australia for you. You still access all of our standard inclusions like new car replacement, hire cars if your vehicle has been stolen or even if someone has attempted to steal it, as well as coverage for emergency accommodation, your own choice of repairer and a lifetime guarantee on authorised repairs. You can even opt in for extras like roadside assist. You might travel more kms some months and none in others. Why pay for coverage that you don’t actually need when you could budget for specific kms every month instead?

Our other policy is reliant on how you drive your vehicle. Pay how you drive insurance means that we calculate your premium costs based on your driving skills and the risks that you actually take on the road. For younger drivers and learner drivers like insurance customers under 25 years of age, this is a great way to save on insurance costs. Not only is it usage based insurance but it’s insurance that covers you for being a good driver too. Don’t run the risk of being lumped in with other drivers your age, choose a lower than average car insurance cost in Australia by choosing UbiCar online. We also cover rideshare drivers like Uber insurance for drivers.

What is the best car insurance in Australia?

The best car insurance in Australia is the policy that works for you and is for the right price. Every household budget is different, just like every driver is different. With UbiCar, you are insured for the driving that you actually do. It’s a more personalised approach to car insurance and it’s revolutionising the way Australia offers insurance.

Is car insurance necessary in Australia?

Comprehensive car insurance is usually a condition of your car loan if your vehicle has been financed. Brand new cars are also highly desirable for car thieves so even if you’re not looking for a comprehensive policy then you should consider a third party fire and theft policy to ensure you have peace of mind. This won’t cover you for damage that you cause to your own vehicle but it will cover you for loss or damage to other people’s cars if you accidentally hit them while you’re on the road as well as replace your new car if it’s stolen. Don’t forget that standard features of our policies include car hire if your vehicle is stolen or even if it’s made undriveable due to a potential theft.

What is the cheapest car insurance in Australia?

There are a lot of tools online which help you to undertake a comprehensive comparison of insurance in the Australian market to find cheap car insurance, including iSelect, before you purchase car insurance or agree to a renewal on your current policy. These tools help you quickly check differences in things like cost as well as standard inclusions so ensure you check what is offered before you dismiss a potential insurer.

How much does car insurance cost in Australia?

It’s not really a case of ‘how much does Australia car insurance cost’ but more a case of what you’re willing to pay. UbiCar has helped to change the way Aussies find and purchase their car insurance by offering a fairer way of calculating policies based on how individual drivers actually drive their car rather than basing the cost of premiums on the statistics alone. You actually have power over how you pay for your insurance when you choose UbiCar such as reducing the number of kms you drive every month as well as improving your driver safety.

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