Cheap car insurance WA

UbiCar offers fully comprehensive monthly cover based on how well or how far you drive. We use App based technology to personalise your premium to make insurance fairer!

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 WA

Are you looking for cheap car insurance WA? You’re not alone. Car insurance has a reputation for being one of those necessary evils that people often lament the price of because they believe themselves to be a safe and reliable driver. Rewarding good drivers is not something new in the insurance industry but the rewards on offer are usually general, relating to schemes like no claims bonus offers or years of continuously held policies with a specific provider. Ubicar believes in rewarding good drivers for being, actually, good drivers. We have developed an innovative way of capturing good driver data and rewarding those good drivers with improved safety ratings and a reduction in their insurance premium.

When is it time to switch insurance providers? A general rule of thumb most people follow is when the increase in your annual insurance premium exceeds the CPI. This is usually a sign that your insurance provider has all but forgotten about you and is making very little effort to retain you as a customer. Searching for a new provider is now simpler than it’s ever been. Every provider in Australia has online profile with the ability to access quick and easy quotes online. Purchasing the insurance is sometimes not quite as easy with some providers still reliant on paper policies which can create delays. If you are on the hunt for a new insurance provider for CTP insurance (otherwise known as a green slip) or comprehensive cover, we’ve put together a few things that can help you choose the best policy and the best provider for you and your circumstances.

One of the first things to consider is the age of the primary driver of the vehicle that you want to insure. Unfortunately, a young driver will most likely be stung with a higher insurance premium than an older and more experienced driver. The number of insurance claims processed are significantly higher for drivers under 21 and under 25. That’s not to say that all younger drivers are unreliable or dangerous on the roads but it’s a pretty much well known fact that younger people are more likely to take chances, will have less driving experience under their belt, and will be less receptive to embracing safer and more cautious ways of driving than somebody older and wiser. Indeed, in NSW, QLD, VIC, SA and WA, the rules for younger drivers with a learner driver licence or a provisional driving licence are substantially different than for drivers with a full licence. Often younger drivers will be restricted to how many passengers they are permitted to carry in their vehicle and the speed limits for provisional and learner drivers are significantly lower than for other motorists.

Shopping for cheap car insurance WA will therefore be affected by the age of the driver but that doesn’t mean there are no affordable insurance products on offer. You can opt for comprehensive car insurance even if the primary driver is under 30 but just know that the premium amount will reflect the level of risk the insurance company assumes they are taking on. To help with premium costs, some insurance companies will introduce special excesses for younger drivers only. It might be more affordable to choose a policy like this where you only assume the financial risk of a younger driver in the actual event of accidental damage.

The level of cover can also be changed to help you find the cheapest policy available. For example, Third Party Fire and Theft insurance covers the policy holder for any damage that they cause to another person’s property, and it also covers the policy holder’s vehicle for events like fire damage and theft. 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.

The next consideration when looking for the cheapest car insurance Perth is to evaluate what the vehicle is used for and any minimum insurance requirements that that may entail. For example, an Uber driver or driver from another ridesharing company will actually have contractually mandated levels of insurance they must hold for their vehicle to qualify for work. There are also other considerations here to which will indirectly affect your choice of vehicle insurance and coverage choice if you are a rideshare driver. Although you may only need to hold a minimum of third party insurance to qualify as an Uber driver, the rules about the state and age of your car are very strict. There is to be no damage whatsoever to the car, cosmetic or not, and this includes costly hail damage. If you have a third party insurance policy only and your vehicle suffers damage like a scratch or a dent, you will not be able to use that vehicle for Uber trips until those dents or scratches are fixed. A comprehensive car insurance policy could help you to get cosmetic issues like these sorted sooner rather than later and the cost of your excess could be considerably lower than the cost to fix them would be.

Your windscreen is also worth considering here as well. With an Ubicar comprehensive insurance policy, you are not charged your excess amount in the event that you need a new windscreen. That could mean the difference of whether or not you are hundreds of dollars out of pocket needing immediate repairs completed on the car that is also your only source of income.

What other options and extras does a provider offer you? The fine print in the policies between providers is important to take note of, particularly if you are intending to switch providers from a company that you know well and have used for many years. The other options, however, are also a good indication of the kinds of values that your provider has. Do they offer roadside assistance? Most providers have this as standard options to take on to a policy so if your provider doesn’t offer a roadside package, that may be an indication of how out of touch they really are with the market in general and how much work they have yet to do to ensure they maintain their current customers, let alone attract new ones.

Finally, when looking for cheap car insurance WA you should also consider the make and model of the car that you’re insuring and whether your insurance provider is best placed to insure it. Older vehicles like prized hot rods or other specialist cars can often come with very heft insurance costs depending on the provider that you go with. Most recently, the introduction of the Tesla to Australia has seen the cost to insure your car sky-rocket for some of the newer models. This is largely because there is very little data for insurance companies to use when assessing new quotes for cars like these ones. It will become more competitive the more Teslas are bought and driven in Australia but until then it might be a good idea to choose an insurance provider who has a way of more accurately assessing policies and drivers to provide fairer and more affordable options.

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