Cheap car insurance NT

You could save money with cheap car insurance NT offered by the insurance provider who personalises your premium based on how well or how far you drive, not just the standard stats and figures.

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 NT

If you’re on the hunt for cheap car insurance NT, then you’re not on your own. Drivers all around Australia, not just in the Northern Territory, are looking for ways to reduce their insurance premiums and take control of their yearly costs. Generally speaking, when you apply for car insurance coverage for a vehicle you are usually assessed based on things like your age, the area that you drive the most in, how many kilometres you travel and the accident and theft statistics of the area where your car is kept. This usually means that the cost of your policy will be determined by statistics and figures rather than your actual driving history, the risks you really take on the road, and the actual safety level of your driving. Recent developments in this field have seen the rise of insurance providers who offer you the opportunity to report what your driving skills are really like while you have an active policy, offering you cheap car insurance Darwin. So, if your policy is up for renewal, you should take a moment to make some quick quote comparisons online before you agree to another 12 months with your current provider.

Once you have some quotes ready for comparison, consider the following factors when it comes time to finally choose a provider. The first factor is the age of the primary driver of the vehicle. Young drivers aged under 21 and under 25 are usually the hardest hit when it comes to insurance costs. Providers take into account a range of statistics when they calculate the cost of comprehensive car insurance and the age and gender of the youngest driver of a vehicle is always a very big consideration. Younger people tend to take more risks while they’re on the road and do not have the driving experience of older and wiser drivers so when they get into trouble, regardless of whether their the cause of the trouble, they often lack the experience and skills to avoid a collision. For this reason, the accident figures in places like Alice Springs and Darwin for younger drivers or learner drivers are usually the highest. Given that a younger driver is much likely to cause accidental damage, the cost of the premium reflects the risk.

If you’re looking for cheaper car insurance Darwin for a younger driver then full comprehensive cover might not be the best option. The level of cover will heavily affect your total premium cost so consider options like third party fire and theft cover which covers damage caused by the driver to other vehicles on the road as well as the policy holder’s vehicle in the event of theft.  Is it relevant to include this given this is a product Ubi doesn’t sell. Another option to consider is negotiating a higher excess amount in the event of a claim made on your policy. The excess is a lump sum payment made to the insurance provider should you need to claim on your policy. By offering to pay a higher excess in the event of an accident, you are essentially wearing the higher risk in the event of an accident. Often a provider will be open to increasing the excess amount and reducing the yearly premium which makes your out of pocket expenses lower unless you need to put a claim in. This can make insurance much more affordable and often the fact that your excess is considerably higher may translate into safer and more responsible driving in an effort to avoid a big expense that might break the budget.

For professional drivers like Uber drivers or drivers for other rideshare services, you require some form of insurance for your vehicle to qualify for use. For Uber, you do not have to have comprehensive vehicle insurance and can opt for third party fire and theft instead. However, you will need to think about whether that really is the best option before you commit to a policy. If your personal income relies on the use of your primary vehicle then a higher insurance policy coverage might be safer over the longer term, even if that means that you need to pay a higher cost in the short term. Rideshare companies can be very specific and very strict about the quality of the cars used for their businesses. Any cosmetic damage, no matter how small or how much it doesn’t affect the safety and comfort of passengers, needs to be fixed. If you do not have comprehensive coverage for your car then you may find yourself staring at a bill for thousands of dollars. Similarly, if you were previously a rideshare driver in Darwin but have relocated to Tennant Creek then it pays to update your policy to adjust to your new coverage area and the amount of kilometres you’ll be doing in your vehicle since your move. Cheap car insurance NT is about where you’re driving as much as it is about who is driving and how often.

We offer every driver in Australia the opportunity to save on their car insurance with a range of policies for every driver, no matter how you drive. Because you share your safe driver data with us and because we offer you the opportunity to pay by the kilometre for your insurance, drivers throughout NSW and SA, QLD, WA, TAS, Victoria, ACT and the NT are discovering how much they can really save when they switch to UbiCar. Compare quotes easily online and check what your current provider is really offering you with your policy. Is it worth it?

To find cheap car insurance NT, take the time to really compare providers. Choose a provider who really does reward safe drivers like UbiCar.

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