Pay As You Drive Car Insurance

Stop paying too much for car insurance. Get pay as you drive car insurance and you could save hundreds. UbiCar Pay per km insures you based on how far you drive. Get a quote online today.

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”

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.

Pay As You Drive Car Insurance

Pay as you drive car insurance is about paying only for the car insurance that you use instead of paying for the ‘most likely’ road statistic group that you fall into. When you choose Pay Per Kilometre with UbiCar, you pay a low flat rate monthly insurance fee and they you pay for the kilometres you actually drive throughout the month. The less you drive the less you pay in insurance costs.

Our customers have made considerable yearly savings when they made the switch to UbiCar Pay per Kilometre Insurance and they include young drivers and seniors. Compare the market against UbiCar using our Pay Per Kilometre insurance policies. You’re not just another number at UbiCar. We offer comprehensive cover on an individual basis.

How it works

Pay as you drive car insurance could offer you a cheaper insurance option for the actual driving that you do, not a cheap premium based on poor coverage or a high excess. We help our customers to actually save money on their car insurance. If you drive less than 15,000kms every year then our pay per kilometre insurance policy could save you hundreds of dollars on your premiums.

When you head to our online quotes at Ubicar, you’ll find a new and intuitive way of finding budget coverage that doesn’t follow the rest of the insurance industry in Australia. That’s because we’re here to disrupt the way premiums are calculated for Aussie drivers. We don’t rely on demographics or Canstar ratings to calculate vehicle insurance. Instead, we have developed a way that Australian drivers can access pay per kilometre insurance that covers them for the time they actually spend on the road. Don’t waste money paying for insurance coverage that you don’t need. Switch to UbiCar and pay only for the coverage that counts while you’re out on the road, fairly calculated using your actual travel time and kilometres.

Pay as you drive car insurance is calculated monthly and tailored to the individual driving. You insure your vehicle for a flat monthly insurance rate and then only pay for the actual kilometres that you have driven throughout the month. This means that if you haven’t driven anywhere then you don’t pay any extra that month. If you’ve had a bigger driving month than usual, don’t sweat. UbiCar caps daily costs to 100km.

How do you know what kilometres you have driven throughout the month? As an UbiCar pay as your drive car insurance customer you’re given a UbiCar Device that plugs directly into your car and communicates with your mobile phone through our App. This device accurately measures your monthly kilometres and reports it back to our offices ensuring that we charge you for the kilometres travelled.

When you take out any level of cover at UbiCar to insure your car against things like fire and theft as well as accidental damage, you are choosing an affordable alternative to conventional insurance.

Choose UbiCar for learner driver insurance and car insurance for under 25 drivers and save. Rather than using iSelect to compare your insurance quotes, get a real understanding of the kind of driver you are with our intuitive app and telematics. We cover all of Australia, offering cheaper insurance options for drivers in:

Along with our pay per kilometre insurance, this is just another way UbiCar is committed to reducing premium costs for Australian motorists of all ages and experience.

Getting pay as you drive car insurance is quick and simple. We offer an online quoting facility which takes as little as two minutes to complete. You’ll discover just how much you can afford to save on your car insurance costs immediately.

Pay as you drive car insurance is available right across Australia covering NSW, Victoria, WA, QLD, SA and more. You start your coverage immediately when you choose to purchase your premium from UbiCar. There’s no need lengthy wait for the paperwork to be processed.

We are proud to be a 100% Australian company and we’re proud of our mission to disrupt the Australian insurance industry by introducing a fairer and more affordable way for everybody to access car insurance and coverage while they’re out on the road. Along with cheap car insurance, you can also access 24hr roadside assistance from Ubicar.

Stop paying too much for your car insurance and choose our pay as you drive car insurance saving Aussies hundreds of dollars every year in their premium costs. Get an online quote today in a matter of minutes and get immediately covered by the Australian insurance provider who tailors policies to drivers not statistics.

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