Compare the Market Car Insurance

Using Compare the market car insurance to find the lowest possible insurance price? Start with UbiCar and learn how you could save hundreds on your premium.

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.

Compare the Market Car Insurance

The on road costs of owning and maintaining your car in Australia can become astronomical when you don’t compare the market car insurance and choose a policy and insurance provider that isn’t right for you, your circumstances or how often you drive your car. UbiCar is different. As the proudly 100% Australian car insurance provider, we have been working on ways to disrupt the conventional insurance industry with innovative ways of covering our customers for the actual driving that they do, rather than a demographic that they fall into or the accidental damage statistics for the areas that they are most likely to be driving within.

We do this by offering our customers the UbiCar driving app. This application is downloaded and installed on your phone, and activated while you are driving. It captures your driving habits and attitudes while you’re physically on the road, reporting back your telematics to our head office. Over multiple car trips, we capture an average of your driving score to determine your driver rating of between 40 and 100 points. The higher you score as an UbiCar driver, the lower your premium is. This ensures that our customers are covered for the type of driving that they actually do while they’re behind the wheel.

Our UbiCar comprehensive car insurance is available to all Australian drivers of all ages from young drivers who are under 25, learner drivers as well as seniors. Using your actual driving data allows us to offer pay as you drive car insurance based on the actual risk you’re exposed to every year. Not every driver drives the same way or as often. A rideshare driver, for example, working for a professional driving company like Uber will often clock up a lot more driving time over the course of a year than other drivers on Australian roads. Often this exposure to more road risk is reflected in a higher insurance premium cost which we don’t think is actually fair. If you’re a professional driver then the chances of your driving skills actually improving over time are much higher than somebody who only drives rarely. Wouldn’t you prefer to be rewarded for your skills and safety on the road rather than penalised with a higher excess cost or policy?

When you compare the market car insurance, you’re often attracted to online comparison tools like Canstar car insurance ratings and iSelect car insurance comparisons. These are great and fast ways of getting multiple vehicle insurance quotes online, making it simple and easy to choose the lowest priced and most affordable option for you. However, that car insurance comparison that you’re undertaking is usually designed to compare car insurance offered by big-name providers who all use the same insurance calculations. They don’t tailor the premiums they offer to the individual driving habits of a policy holder.

If you live in built-up inner-city areas like Sydney (NSW) or Melbourne (VIC), Perth (WA) or Brisbane (QLD), Adelaide (SA) or Hobart (TAS), Canberra (ACT) or Darwin (NT), you are more likely to receive comprehensive cover policies which reflect the accident, fire and theft data from those areas. Given these areas are highly populated with drivers of all ages, types and levels of driving skills, your level of cover is actually reflective of their driving data rather than of yours. That means that you’re often not getting cheap car insurance or the best level of coverage when you insure your car. You will want to reduce your premium cost as much as possible and usually the only way to do this effectively is by reducing your level of cover or opting for a higher excess in the event that you need to make a claim on your policy. Your car insurance should function as peace of mind, not an annoying and over-priced expense you need to factor into your car maintenance every year. If you’ve bought a new car or your car is financed, often comprehensive cover is not voluntary. You need to find affordable coverage so you may find yourself settling for less and paying more when you don’t compare the market car insurance thoroughly, opting for quotes from providers like us.

We’re making a difference in the Australia insurance industry. We’re making car insurance more accessible, fairer and cheaper across all of our coverage levels, for every driver in Australia. Demand more from your insurance provider and choose the coverage option that works the best way for you and your driving style. Choose UbiCar.

You can get an online quote for your policy in a matter of minutes. Our online quoting facility is simple and fast, asking you a range of standard questions to get a general idea of the coverage you’re looking for. Once you agree to use our driving app, you are agreeing to allow us to tailor your policy based on your actual driving skills, how often you drive and how you’re likely to respond to road conditions. Our driving app collects data like how often and how harshly you brake, what your cornering speeds are like, what your habits are regarding acceleration and speed, and how often you find yourself distracted by your phone while you’re behind the wheel.

If you want to compare the market car insurance with the provider who is actively helping Aussies reduce the cost of car insurance, get a budget car insurance quote now from UbiCar.

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