Unbeatable Car Insurance Deals for Drivers

We offer unbeatable prices for every car insurance scenario, backed by our price-beat guarantee. Our team uses advanced research and analytics to secure the best deals in the country—and with smart renewal controls, you get peace of mind year after year.

Verified Price Data

We collect and analyse data from thousands of real car insurance quotes issued every year—covering every type of driver, vehicle, and usage, from private cars to couriers, rideshare, and luxury vehicles. By sharing this data, we help drivers set realistic expectations around pricing. The table below shows a summary of starting prices based on actual quotes, giving you a transparent view of what competitive car insurance can look like in today’s market. No one understands pricing trends better—because we track and test them daily.

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📊 How to Read This Pricing Table

Quick Guide: Find your vehicle value in the first column, then check the insurance type you need (like Rideshare or Private). The table shows starting prices and average monthly/yearly premiums.

Step 1: Look for your approximate vehicle value in the leftmost column.
Step 2: Choose your insurance type (Rideshare, Private etc.).
Step 3: View the starting prices for your selection.

Important: Your actual quote may vary based on location, age, driving history, claims record, excess preferences, and other personal factors. These are indicative prices only.

Authentic Customer Pricing

Our sample prices are based on analysis of over 10,000 real car insurance quotes issued annually, covering a wide range of vehicles, driver profiles, and usage types. Using multivariate regression models and outlier detection, we study how key factors—such as driver history, vehicle type, and policy structure—impact pricing. This allows us to engineer insurance options that reduce unnecessary costs and improve quote competitiveness. By adjusting variables like excess, coverage type, and insurer mix, we help drivers consistently access lower premiums without compromising on protection.

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📊 Explanation

The most common question we get is: "How much will insurance cost?"

The best way to answer that is by looking at what others are paying, based on vehicle value and insurance type. Each point on the chart represents a real quote we've issued. The trend line shows the average price across different vehicle values.

Most quotes fall close to the trend line. When a quote is above the trend, it often reflects risk factors that increase price. When it's below the trend, it indicates where savings can be unlocked.

Our Analysis: We analyse these patterns to understand what drives pricing—and how to stay below the trend line to consistently deliver better-value quotes.

Frequently Exceptional Value

A good car insurance quote is generally one where the annual premium does not exceed 10% of the vehicle’s value—a standard used to assess fair pricing relative to risk. In practice, approximately 80% of quotes fall at or below this benchmark, with over 95% remaining under a 20% quote-to-value (QTV) ratio. Quotes exceeding this threshold are rare and typically driven by factors such as prior claims, high-risk usage, or regional underwriting constraints. For most drivers, this approach results in consistently competitive premiums without compromising on protection.

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📊 How Often We Issue Good Car Insurance Quotes

We define a good car insurance quote as one where the premium does not exceed 10% of the vehicle's value—a benchmark we use to measure real value for customers.

Our target is for at least 80% of quotes to meet or beat this quote-to-value (QTV) ratio. While external factors like claims history, usage type, or location can sometimes push quotes higher, these are the exception.

QTV Rating System:
🟢 0-5% = Exceptional (Outstanding value)
🟡 5-10% = Good (Meets our benchmark)
🟠 10-20% = Above benchmark (Higher but reasonable)
🔴 Over 20% = High (Due to risk factors)

🧮 How QTV is Calculated

QTV = (Annual Premium ÷ Vehicle Value) × 100

Practical Example:
• Vehicle Value: $25,000
• Annual Premium: $1,500
• Calculation: ($1,500 ÷ $25,000) × 100 = 6% QTV
• Rating: 🟡 Good (meets our benchmark)

How to Read This Histogram Chart:
X-axis: Shows QTV ranges (0-5%, 5-10%, 10-15%, 15-20%, 20%+)
Y-axis: Shows what percentage of all our quotes falls into each range
Bars: The height shows how frequently we issue quotes in that QTV range

Our Performance Results:
80% of our quotes come in at 10% or less (good to exceptional)
Well over 95% fall below 20% QTV
Fewer than 5% ever exceed a QTV of 20%

What This Means: We consistently deliver strong value without sacrificing protection. The histogram shows our commitment to keeping most quotes well below the 10% benchmark, ensuring you get quality coverage at competitive prices.

Genuine Customer Price Examples

Our sample prices are based on thousands of real quotes issued every year across every type of vehicle, driver, and usage—from daily commuters to prestige cars, couriers, and rideshare drivers. We work with almost every major insurer in Australia and have deep insight into what separates a good price from a bad one. Using advanced metrics like Quote-to-Value, we constantly assess whether the quotes we issue are competitive—and more importantly, if they're winning in the market. When it comes to car insurance pricing, no one knows the landscape better than we do.

Compare awesome quote for Rideshare Motor Insurance – GWM HAVAL H6 2022. Price: $158.49 per month. Quote to Value Ratio: 4.55% – 💥 This is a great quote! The GWM HAVAL H6 (2022), valued at 38600.00, has a monthly premium of 158.49. Compared to similar vehicles within a 20% valuation range, this premium is slightly higher than the average, which is around 145.00, indicating a 9% increase. Notably, vehicles with comparable valuations exhibit premiums ranging from 130.00 to 170.00, suggesting some variability due to factors like make and model. Overall, while the premium is on the higher side, it falls within a reasonable range considering the vehicle's valuation. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this GWM is valued at $38600.00 with a yearly premium of $1756.44, giving a QTV of 4.55%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the GWM HAVAL H6: - The GWM HAVAL H6 2022 is renowned for its affordability and value for money; it offers advanced features such as a panoramic sunroof, autonomous emergency braking, and a 360-degree camera, typically reserved for higher-end models, at a competitive price point. - In terms of safety, the HAVAL H6 2022 has received a 5-star safety rating from the Australian New Car Assessment Program (ANCAP), making it a reliable choice for families looking for a safe SUV. - A quirky fact about the HAVAL H6 is that it includes a gesture-controlled tailgate, allowing users to open the rear trunk with a wave of their foot under the rear bumper, adding a touch of futuristic convenience to the vehicle. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – LEXUS ES300h LUXURY + EP (HYBRID) AXZH10R 4D CVT AUTO 6 SP SEQUEN, 4 CYLINDER, 2.5L 2020. Price: $237.67 per month. Quote to Value Ratio: 5.27% – 💥 This is a great quote! The LEXUS ES300h LUXURY + EP (HYBRID) AXZH10R (2020) valued at 50000.00 has a monthly premium of 237.67. Compared to similar vehicles in our database with valuations ranging from 40000.00 to 60000.00, this premium is slightly higher than the average. Most comparable vehicles have premiums around 200.00 to 230.00, indicating the LEXUS is on the upper end of the spectrum. Notably, the hybrid model may contribute to the higher premium due to perceived safety and technology features, though specific outliers were not identified in the dataset. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this LEXUS is valued at $50000.00 with a yearly premium of $2633.91, giving a QTV of 5.27%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the LEXUS ES300h LUXURY + EP (HYBRID) AXZH10R 4D CVT AUTO 6 SP SEQUEN, 4 CYLINDER, 2.5L: - The 2020 Lexus ES300h Luxury is praised for its exceptional fuel efficiency, achieving an EPA-estimated 44 mpg in the city and 45 mpg on the highway, thanks to its hybrid powertrain. This makes it an economical choice for those seeking luxury without high fuel costs. - In terms of safety, the 2020 Lexus ES300h received high safety ratings and comes equipped with the Lexus Safety System+ 2.0, which includes features like pre-collision warning, lane tracing assist, and road sign assist, making it one of the safest vehicles in its class. - Despite being a luxury hybrid vehicle, the Lexus ES300h is considered a good value due to its long-term reliability and relatively lower maintenance costs compared to other luxury brands. Lexus vehicles are known for holding their value well, making them a smart investment for long-term ownership. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA COROLLA 2021. Price: $190.26 per month. Quote to Value Ratio: 7.13% – 💥 This is a great quote! The TOYOTA COROLLA (2021) valued at 29500.00 has a monthly premium of 190.26, which is slightly higher than the average premium of similar vehicles within a 20% valuation range. Most comparable vehicles exhibit premiums around 175.00, indicating a 9% increase for the Corolla. Notably, while most vehicles in this category tend to be priced lower, the Corolla's premium may reflect factors such as its reliability and brand reputation, which could justify the higher cost. Limited data points within this range may affect the overall representativeness of this analysis. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $29500.00 with a yearly premium of $2108.44, giving a QTV of 7.13%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA COROLLA: - The 2021 Toyota Corolla has a starting MSRP of approximately $20,025, making it an affordable option in the compact car segment while offering a great value with its reliability and fuel efficiency. - The Toyota Corolla is renowned for its safety features, having earned a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA) for the 2021 model, due to its advanced safety technologies, including Toyota Safety Sense 2.0. - A quirky fact about the Toyota Corolla is that it is one of the best-selling cars worldwide. In fact, over 44 million units have been sold globally since its debut in 1966, highlighting its popularity and trust among consumers. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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