Cheap car insurance QLD

Get cheap car insurance QLD online at UbiCar now. We do things a little differently, offering premiums based on kms driven and the safety of your driving.

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 QLD

The cost of owning and running in a car in Australia can quickly get out of hand. Cheap car insurance QLD can help you keep your costs low when you choose an insurance provider who offers premiums based on how you drive and how many kilometres you are driving. UbiCar does things a little differently. Rather than offering you a general premium based on age, gender and the region that your car is garaged in and mostly driven, we offer customers a simpler and fairer way. With UbiCar, you can manage your car insurance coverage with our state-of-the-art driving app which collects data about how safely you drive and collects distance data so you can pay for your insurance by the km.

Some types of insurance are not negotiable. To register and drive your vehicle anywhere in Australia, for example, you are required to obtain CTP insurance. Otherwise known as a green slip, this insurance type covers the cost of death and injury you may cause while driving but it does not cover your vehicle for any damage sustained in an accident or collision. For that, you need comprehensive car insurance and we offer cheap car insurance for drivers right across Australia, including NSW and SA, QLD, WA, TAS, Victoria, ACT and the NT.

For other types of insurance, like comprehensive insurance, you can shop around a bit to find the best deal. When you request a quote for cheap car insurance Brisbane, the insurance provider you have chosen will assess your policy and premium based on factors like the age and model of your vehicle, the youngest age of any driver of your vehicle, how many kilometres that you travel every year, the theft and accident figures in your primary driving area like Beenleigh or Fortitude Valley, or whether you’re in a more rural region with fewer cars on the road. They will also request your personal driving history to assess how many previous insurance claims you have made and what your licence demerit point status is. All of this information helps the provider to analyse what kind of insurance risk your policy poses and the higher the risk factor, the higher the premium cost.

People with less driving experience can make poor decisions on the road which end up causing minor accidental damage and while they’re learning, their statistical chances of having a crash or bumping into objects is much higher. Unfortunately, factors that will drive your risk profile up very quickly include any young drivers who may be driving your vehicle at any time. The accident and safety statistics for drivers under 21 and under 25, particularly younger male drivers, show clearly that less experienced vehicle owners on the road are much more likely to need their comprehensive car insurance. Because of these statistics, the individual driving style and safety of a younger driver is not taken into account and a younger or learner driver may be required to pay a much higher premium than may be strictly necessary.

If you’re looking for cheap car insurance QLD that will cover a young driver, or if you are a young driver yourself, you can usually negotiate ways of helping to reduce your yearly insurance premium like opting for a higher excess amount. The excess amount is the cash lump sum you pay your insurance provider in the event of a claim made on your comprehensive cover policy. The excess amount is not a set amount and can usually be decreased or increased depending on the flexibility of the provider. One of the best ways to reduce your yearly premium is to then opt for increasing the excess amount and essentially take the risk of an accident upon yourself. This will mean that you’re less out of pocket throughout the year but if you do need to make a claim, that your excess amount could be as much as twice the regular cost. Alternatively, if you’re worried about keeping your excess lower, you can opt to pay a higher yearly insurance premium instead.

For younger drivers in particular, the level of cover can help to keep car costs down. Comprehensive car insurance covers all vehicles in a potential collision or the driver’s vehicle should they have an accident and hit a stationary object. The premium for this type of insurance is higher because the risk the insurance provider covers the cost of repairs or replacements for every car involved in an accident. If you’re driving through Brisbane or surrounding city suburbs on a regular basis, then your chances of causing or sustaining damage in an accident are much higher than less densely populated areas like Rockhampton and Townsville.

When looking for cheap car insurance QLD then consider other types of cover like Third Party Fire and Theft. This coverage will insure you against the costs of repairs or replacements to a third party’s vehicle but does not cover the driver’s vehicle in the event of an accident. Should the car be stolen or vandalised, however, then the car is covered. Premiums for this kind of cover are lower than comprehensive cover and if your vehicle is older model then this could be the best type of cover for you, fitting with your budget and giving you affordable piece of mind while you’re on the road. You can collect quotes online quickly and easily, and compare premiums and coverage to find the best fit.

Professional rideshare drivers like Uber drivers will require some form of insurance for their vehicles to qualify for a driving position. In the case of Uber, you do not have to have comprehensive vehicle insurance and can opt for third party fire and theft instead.

To find cheap car insurance QLD, choose a provider who really does reward safe drivers like UbiCar. Using our app, you can accurately insure your vehicle your way, paying only for the coverage that you need.

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