How Much Does Car Insurance Cost?

How much does car insurance cost? Where to get the cheapest policy with the most standard inclusions? Compare UbiCar, the provider who does things differently.

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"

News logo

"New driver tracking app can save you big on car insurance"

“Pay less for car insurance if you’re a good driver”

7 News logo

"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.

How Much Does Car Insurance Cost?

For any new car owners, the first question they are likely to ask themselves is: how much does car insurance cost? But anyone with an insurance policy for their car, including seniors, should regularly compare the market to ensure that they’re still getting the best value for money. UbiCar offers customers cheap car insurance with all of the inclusions that you’re looking for in a new and intuitive way. Instead of simply evaluating the risk of a driver, we go a step further and offer our customers two ways of managing their insurance policies.

How much is car insurance in Australia?

Car insurance costs are affected by a range of factors, including where you live, how old you are, how you drive, how much you drive and what kind of accident claims history you have had as a driver. Car insurance companies assess the risk of the driver as well as the condition and age of their vehicle when calculating insurance cost. The premium that you are offered when you receive a quote for car insurance indicates the kind of risk the insurance company believes you pose while on the road. Why is UbiCar different to other Australian insurance providers? Because we know that not every driver drives the same way, regardless of what other factors in their lives might be the same.

UbiCar offers insurance customers a smarter way to pay for their car insurance. You have a choice of two types of insurance premiums: one is calculated based on how many kilometres you drive every month and the other uses our UbiCar app to capture driving data while you drive, helping you to understand your driving habits and how to remain safe on the road. Our app captures driving indicators such as speed, including cornering speeds, as well as braking and other little indications.  

Interested in learning more about our pay as you drive insurance (usage based insurance)? Or would you like to find out more about our how you drive policy? Everything you need to know about how we are different to other Australian insurance providers is available to view online. All of our inclusions are clearly identified in our product disclosure statement and if you have any questions, please get in contact with one of our customer service representatives. We’ll be happy to step you through exactly how our policies work and why you stand to make savings on the cost of car insurance when you switch to UbiCar.

What is the average cost of monthly car insurance?

The cost of insurance in Australia varied between $900 per year up to $1,500 per year for comprehensive car insurance policies. This, however, changes dramatically for younger drivers like car insurance for 25’s. Younger drivers with less driving experience are more likely to take risks while they’re out on the road and this risk taking behaviour can lead to accidents on the road. To help manage the risk of insuring younger drivers, insurance premiums can be staggeringly high. Using the UbiCar driving app, young drivers receive real time insights in their own driving habits and they can access driving tips from the app which can help increase a younger driver’s safety and awareness while out on the road.

How much does the cheapest car insurance cost?

There are lots of ways that you can lower your car insurance costs and still retain all of the inclusions that you need to maintain your peace of mind while you’re out on the road. Maintaining a safe driving record is a good start but other factors which can help to reduce your insurance premium include opting for a higher excess. An excess is a lump sum payment payable to your insurance company when you need to make a claim on your policy. There is no set excess amount and insurance companies, just like UbiCar, have some flexibility about how much your excess can be. Generally speaking, drivers who opt for a higher excess will receive a lower yearly premium for their policy. This is because they assume a much greater risk than they normally would, agreeing to pay a higher excess in the event of the need to make a claim.

If you’re interested in finding the cheapest car insurance in Australia, then it’s a good idea to do a quick quote comparison between providers. Online comparisons can be made using services like iSelect which will gather all of your available quotes quickly, highlighting the providers that best fit your circumstances. Ensure that you take a long look at the inclusions list of each policy that you evaluate to ensure that you’re getting the best value for money. Our standard list of inclusions includes things like emergency accommodation expenses, monthly payments at no additional cost and a hire car if your car is damaged due to fire, has been stolen or is undriveable due to an attempted theft. Optional add-ons you can choose include things like windscreen and window glass coverage as well as roadside assistance and the use of a hire car if you should need one following an accident.

UbiCar insurance coverage spans all of Australia including NSW, Victoria, ACT, TAS, NT, SA, QLD and WA, and includes rideshare insurance for professional drivers like Uber drivers. Compare the market and check how much you can save when you choose UbiCar.

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