Car Insurance Quote

Don’t just renew your current car insurance policy, compare costs with a new car insurance quote online in a matter of minutes from Australia’s 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 Quote

Before you accept your current car insurance renewal, jump online and compare costs with Ubicar. Get a car insurance quote for your vehicle online in just a matter of minutes and ensure that you’re really getting the most from your policy. We have been busily revolutionising the way that Australian insurance providers calculate premiums by introducing two new ways of purchasing your car insurance: pay per kilometre and pay how you drive polices.

How to get car insurance quotes online?

There are a lot of ways that you get a cheap car insurance quote online and it usually takes just a few minutes of your time. There are online tools like iSelect which offer you a quick and effortless comparison between multiple car insurance providers or you can head direct to Ubicar and complete an online quote with us.

How to lower car insurance quotes?

Most insurance providers in Australia make a guess when it comes to providing you with a car insurance quote. They take demographic data like your age and your postcode to determine what kind of statistics exist for drivers in your area and in your age group. We take calculating your car insurance quote online a step further. Not only will take a look at the accident data for your region and your age group but we also offer our customers the Ubicar App. This app is activated whenever you drive and collects a range of data points like the kilometres that you have driven and how well you have driven them to determine what your monthly premium will be. Other pay per kilometre policies are guided by rough estimates of your yearly kms but we are different.

When you choose a pay per kilometre insurance policy – or usage based coverage – from Ubicar, we take the data we collect through our driving app at the end of the month and send you a bill for the insurance that you actually needed rather than guessing based on what you thought you needed. For daily commuters heading to and from work, this might not make much difference but for older drivers like drivers over 50 as well as younger drivers like learner drivers under 25, this could make all the difference. You can more accurately budget for your insurance costs when you know how you can actually affect the cost of your premium. Reduce your driven kilometres or increase them with the peace of mind that you’re still covered by Ubicar.

When you choose the pay how you drive insurance option, we collect your monthly distance as well as other key data points about how you have driven those kms. We collect things like your braking preferences and how safely you brake as well as your cornering speeds and other speeds while you’re out on the road. If you are a late braker or you like to take a corner more quickly than is recommended, then your insurance premium is adjusted to reflect the actual risk that you pose while you’re driving. If you are a safe driver who doesn’t take many risks and sticks to the speed limit, then you’re priced accordingly. We also offer rideshare insurance like Uber driver policies.

For younger drivers in particular this can help to lower your insurance costs by separating your actual driving risk from the rest of the drivers in your age group. Traditionally, comprehensive car insurance and third party fire and theft insurance for younger drivers is quite expensive. Young drivers with little to no experience tend to take more risks than experienced drivers and when you purchase car insurance, you are usually paying for the driving styles and risk of other drivers than you are your own risk on the road. With Ubicar, it’s different. You remain in control of how your premium works by proving, every month, how safe a driver you really are.

What does car insurance cover?

Your car insurance quote will include all of the standard inclusions as part of your policy as well as an optional extras that you might be interested including. 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.

Always check what is included and what is considered optional with the insurance provider before you commit to a car insurance quote you have been given.

How can I reduce my car insurance premium?

Apart from using our pay per kilometre and pay as you drive insurance policies, you can also reduce your car insurance premium by maintaining a good driving record and staying safe while out on the road. Make smart choices about how you drive and always keep your car running in top mechanical order to avoid causing accidental damage to other motorists and keep you safe while you’re driving.

Ubicar covers Australian drivers right across the country including NSW, Victoria, WA, QLD, SA and every road in between. Get a car insurance quote online today in just a matter of minutes from Ubicar.

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