Car Insurance Calculator

Get an online quote today in a matter of minutes. Similar to a car insurance calculator, our quote shows you what savings you could make with UbiCar.

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.

Car Insurance Calculator

Getting the best value for money on your car insurance in Australia has just gotten a little easier with the UbiCar car insurance calculator. Getting a quote online from us takes you just a few minutes and you can use your online quote as a car insurance estimator that you can use to compare either to your current policy, held with another insurer, or as the gold standard against which you can compare other car insurance quotes that you collect. We offer Aussie drivers two great value policies designed to help you manage the cost of your insurance without missing out on all of the great benefits.

UbiCar offers drivers of all kinds and ages access to low cost insurance across Australia, including NSW, VIC, QLD, ACT, NT, WA, TAS and SA. We also offer rideshare insurance policies for professional drivers like Uber drivers.

How much is car insurance?

The cost of your car insurance policy is determined by a range of factors such as your age and driving experience, the age of your car, where you live and how your vehicle is kept overnight. The lower the risk of accidents and theft, the lower the premium amount will generally be. For seniors, such as drivers over 50, insurance policies are usually cheaper than young driver insurance. Older drivers tend to have more experience on the road and are less likely to take risks while they’re driving.

A car insurance calculator will help you get an idea of what kind of premium cost you’ll be looking at. It will show you the cost of your annual premium as well as other costs such as the excess amount on your policy. You can get a quick car insurance estimator online by completing our online quote service. Alternatively, you can use online comparison tools like iSelect to ensure that you’re choosing the best cheap car insurance for your circumstances.

How can I calculate my car insurance?

The fastest and easiest way to calculate your car insurance is to compare the market. Getting a quote online with UbiCar is quick and easy, taking just a few minutes online and some general details about your car. If you have a current insurance policy and you are checking whether you’re getting the best value for money, ensure that you check what your standard inclusions are on your current policy and compare them to the list of standard inclusions we offer our insurance customers.

With Ubicar, standard features include your choice of repairer as well as a lifetime guarantee on authorised repairs; emergency accommodation expenses, monthly payments at no additional cost and a hire car if your car is damaged due to fire, has been stolen or is undriveable due to an attempted theft. Optional add-ons you can choose include things like windscreen and window glass coverage as well as roadside assistance and the use of a hire car if you should need one following an accident.

Unlike other car insurance companies, we have designed our insurance products to ensure we’re offering our customers the best bang for their buck. You have a choice of two types of comprehensive car insurance from UbiCar: pay as you drive (pay per kilometre insurance) or pay how you drive. Our usage based insurance means that you only pay for the actual kilometres that you’re driving every month. Using the UbiCar App, your driving data is collected and sent to our head office every month where your premium is adjusted to reflect the time you have actually spent behind the wheel.

Our pay as you drive insurance also uses our UbiCar App except we gather more than just details of your odometer reading. If you’re a safe and responsible road user, then our app will prove just how safe and responsible you are, capturing driving data like your speed, your cornering and your braking. These indicators demonstrate how risky you are as a driver on the road, helping to form a more complete picture of exactly how you drive. This type of policy is also great for younger drivers like drivers under 25. The app will not only collect your driving data, but it will also send you tips and advice on how to improve your driving.

How insurance companies calculate car value?

When you choose to insure your vehicle, you will usually have a choice of insuring your car for its market value or for a value that you nominate. An insurance company uses a range of factors to determine a vehicle’s worth including the make and model, the age of the vehicle, it’s current condition (whether there is any pre-existing damage), and how many kilometres it has travelled. Some vehicle makes and models retain their value for longer than others, depending on the demand within the market.

For some vehicles currently under finance, your finance provider may insist on your vehicle being insured for a minimum value.

Are you getting the best value insurance? Use our online quoting facility as your car insurance calculator and check what you could potentially save by switching your insurance to UbiCar. If you have any questions or need to clarify any of our offerings, please contact a customer service team member. We’ll happily take you through exactly how our policies work.

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