Best Car Insurance

Searching for the best car insurance in Australia? UbiCar has revolutionised the way Aussie car insurance is offered helping you save $$$ on your policy.

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"

News logo

"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.

Best Car Insurance

The best car insurance is the policy that fits your needs and is offered at the right price. It’s that simple. UbiCar have helped to make the insurance industry in Australia a little fairer by changing the way we assess new customers for our range of policies, helping you to find the best car insurance for you. You can get an online quote in just a matter of minutes to check what you would save for insurance in NSW, Victoria, WA, QLD, SA and everywhere in between using either our pay per kilometre (pay as you drive) or how you drive policy.

Which insurance is best for your car?

At UbiCar, we had a long think about how Aussies purchase car insurance. Traditionally, when you apply for a new comprehensive car insurance policy –your quote is based on a range of demographic data such as the number of accidents drivers your age generally have, the number of accidents in your town or city as well as other types of data that may not actually reflect how you, personally, drive your vehicle. Rather than charging our insurance customers for how everybody else drives and how often they usually drive, we developed two types of insurance that more accurately affect how our customers actually drive and the mileage that they actually do every year.

How to find the cheapest car insurance online

Finding cheap car insurance online will depend on how you drive and how often you drive. Usage based insurance is calculated based on the likely kilometres that you drive every year. You can nominate a likely mileage, or you can choose the UbiCar pay per kilometre coverage. We have developed an interactive driving app which captures the real kilometres that you drive every month and that data then feeds directly into our database to calculate  your insurance premium for the month. You pay less when you drive less making it the ideal budget car insurance option for Aussies who don’t regularly drive many kms.

If things change – like you get another job or you head out on the road for an epic road trip – then your driving app automatically feeds our database your new kms for the month. You still remain fully covered while you’re out on the road doing more kms than you would normally do and once the trip is over and you’re back home and relaxing, your premium is adjusted again to reflect your new driving kms.

What is the best car insurance for new drivers?

Our pay how you drive policy is another cheap way of maintaining accurate insurance that will reduce your premiums and still leave you covered for everything you need. Our how you drive policy uses our driving app too but instead of only measuring the kms that you drive, it also measures how you actually drive them. Whether you’re a younger driver, a learner driver, a driver over 50 or even a senior driver over 80, this policy allows us to see how you really drive and more accurately assess the risk you pose while you’re on the road.

Information gathered by our driving app includes things like cornering speeds, general speeds, how often and how harshly you brake. For younger drivers in particular who are likely to get stung by higher insurance premium costs just for being more inexperienced, this is a great way to show your insurance company how you really should be measured. You even receive tips for improving your driving and driving more smoothly while on the road so you can check on your own driving progress.

Which car insurance is best in Australia?

All of our policies include new car replacement, hire car access following a fire, theft or even attempted theft which leaves your vehicle undriveable, as well as emergency accommodation expenses and your choice of repairer. You can opt for monthly payments at no additional cost and there is a lifetime guarantee on authorised repairs made to your vehicle. You receive coverage for personal belongings you may have lost due to an accident or a theft as well as coverage replacing your lost or stolen car keys. Optional extras you can include in your new policy are things like roadside assistance, windscreen or window glass coverage and a hire car after an accident.

UbiCar offers customers a range of options to ensure that their monthly cover remains as affordable as possible while still offering you peace of mind. Our policies ensure that any accidental damage that you cause to another vehicle on the road is covered by your policy as well as damage that you cause to your own property. You are also covered in the event of fire or theft of your vehicle. For more information about limitations and exclusions, jump onto our FAQs or get in contact with a friendly customer service team .

Whether you’re looking for the best car insurance renewal, are a new driver, a rideshare or Uber insurance, or just ready to undertake an insurance comparison to check that you’re getting the best car insurance for you, UbiCar can help. Complete a quote in just a few minutes online and check how much you stand to save when you choose UbiCar for your next car insurance policy.

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