Cheap car insurance ACT

Not all car insurance providers are alike. We offer our customers cheaper car insurance ACT based on their actual driving and not a bunch of traditional insurance statistics.

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”

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"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.

Cheap Car Insurance ACT

Everybody could do with saving on their car insurance costs and spending the time to search for cheap car insurance ACT has never been easier. Don’t renew your current policy until you’ve had a chance to review what else is available for your age, the type of car you currently drive, the kilometres you drive every year and the type of driver that you are. Generally, suburban drivers in places like Belconnen and Fyshwick are more likely to pay higher premiums based on population density than drivers in more rural areas around Canberrra. The cost of insurance differs dramatically between age groups, regions and types of car, so there’s no such thing as a ‘general’ comprehensive car insurance cost. Providers like UbiCar even offer you cheap car insurance Canberra based on your actual driving behaviour rather than a bunch of personal details.

While offering rewards to safe drivers is not exactly something new in the insurance industry, the rewards on offer aren’t always exactly as they’re advertised. Newer and faster technologies, however, have changed the playing field a bit in recent times and you could get reduced premiums based on your personal driving stats through the use of state-of-the-art driving apps from providers like UbiCar.

We offer cheap car insurance for drivers right across Australia, from NSW and SA, Victoria, ACT, WA, QLD, NT and TAS. The reason we are cheap is because you can pay for your comprehensive car insurance by the kilometre and send us your safe driver data directly using our app. If your current policy is up for renewal – or if you’re a new driver or someone looking for learner driver insurance – then set aside an hour or so for comparing insurance quotes. Although it might only look like a nominal saving you stand to make at first, the money will soon add up over the years of continuously holding your policy.

At the top of your list for consideration when searching for the cheap car insurance ACT is the age of the primary driver of the vehicle that you want to insure. Young drivers are less experienced on the road and statistics clearly show that they are more likely to take risks on the road when compared to older drivers. Because the number of insurance claims processed are significantly higher for drivers under 21 and under 25, the excess amount and yearly premiums will be expensive even if the primary driver of a vehicle you are looking to insure has been driving for a long time and enjoys a spotless record. Choosing a provider who offers you the option of reviewing your premium based on the actual driving habits and claims processed for a particular driver could translate into significant yearly savings. Similarly, negotiating with your provider may also be fruitful. Often an insurance provider is open to increasing the excess amount payable in the event of an accident rather than the monthly or yearly insurance premium, making the total cost of your policy much more affordable. In this way, both you and your insurance provider are banking on the fact that the youngest driver of your vehicle is a safe and responsible one.

In finding ways to getting cheaper car insurance ACT, you can look at the level of cover for your vehicle as well. Comprehensive cover insures both your car and a third party’s car in the event of accident or causing accidental damage while third party fire and theft insurance covers the policy holder for any damage that they cause to another person’s property and for things like fire damage and theft of the policy holder’s car. This can often be significantly cheaper than a comprehensive policy and is a great way to manage a younger person’s possible risk on the road without breaking the budget. More often than not, a younger driver’s car will not be brand new either. This type of insurance keeps premiums low until the driver is experienced enough to move onto a better and newer car which needs a higher level of coverage.

Finally, for professional drivers who are part of rideshare companies likes Uber, getting the right kind of insurance and roadside assistance at the best possible price is absolutely necessary. Cheap car insurance ACT for Uber drivers can be as little as third party fire and theft insurance or as complete as comprehensive insurance covering higher density areas like Braddon and Kingston. To qualify as a driver, you must hold at least one of these types of insurance but saving on your yearly premiums here by choosing the cheaper, less comprehensive option to insure your car may not be the smart choice. If something should happen to your vehicle, you may not be able to continue as a professional driver until it has been completely fixed regardless of whether it impacts the road safety of your vehicle or the comfort experienced by your passengers. Companies like Uber are very strict about the condition of the vehicle that their drivers use so cosmetic issues like dents and scratches must be addressed. Without comprehensive vehicle insurance you are out of pocket for fixing those issues and the savings that you make between policies is not usually enough to cover the cost of cosmetic issues like these.  

Rather than just auto-renew your policy this year, take a look at cheap car insurance ACT on offer by other providers around Australia. Choose a provider who wants to reward safe drivers and drivers who don’t usually travel far from home. Choose a provider who offers you the ability to actively report your driving style and history to match a premium to your driving habits and not the habits or mistakes other drivers in your area are likely to make.

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