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 – AUDI Q7 2021. Price: $300.51 per month. Quote to Value Ratio: 3.96% – 💥 This is a great quote! The AUDI Q7 (2021) with a valuation of 83900.00 has a monthly premium of 300.51. Compared to similar vehicles within 20% of this valuation, this premium is about average. Analysis shows that most comparable vehicles have premiums ranging between 250.00 and 350.00, indicating no significant premium disparity. Notably, vehicles from the same make and model tend to cluster around similar premium amounts, suggesting consistent pricing strategies across luxury SUVs of this valuation. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this AUDI is valued at $83900.00 with a yearly premium of $3330.26, giving a QTV of 3.96%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the AUDI Q7: - The 2021 Audi Q7 is renowned for its luxurious interior that features three rows of seating, providing ample space for up to seven passengers. The cabin is equipped with high-end materials, advanced technology, and a state-of-the-art infotainment system, making it a favorite among luxury SUV enthusiasts. - In terms of safety, the Audi Q7 2021 is equipped with a suite of advanced safety features, including adaptive cruise control, lane-keeping assist, and a top-view camera system. It has received high safety ratings, making it one of the safest SUVs in its class. - A quirky fact about the Audi Q7 2021 is that it is one of the few SUVs that offers an optional night vision camera with pedestrian detection, which is particularly useful for spotting wildlife or pedestrians in low-light conditions. This feature adds an extra layer of safety and uniqueness to the vehicle. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – SSANGYONG ACTYON SPORTS 2015. Price: $84.61 per month. Quote to Value Ratio: 7.81% – 💥 This is a great quote! The SSANGYONG ACTYON SPORTS (2015), valued at 12000.00, has a monthly premium of 84.61. Compared to similar vehicles (valuations between 9600.00 and 14400.00), this premium appears to be lower than average, as most comparable premiums range from 90 to 100, which identifies a variance of 10-20%. Notably, several vehicles of similar age and make tend to have higher premiums, possibly indicating a trend in premium valuation based on brand reputation in our dataset. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this SSANGYONG is valued at $12000.00 with a yearly premium of $937.68, giving a QTV of 7.81%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the SSANGYONG ACTYON SPORTS: - The SSANGYONG ACTYON SPORTS 2015 is known for its affordability, making it a popular choice among budget-conscious buyers looking for a robust pickup truck. It generally offers a good value proposition for those who need a versatile vehicle for both work and leisure. - One quirky feature of the Actyon Sports 2015 is its unique design, which combines elements of a traditional pickup truck with more SUV-like styling. This gives it a distinctive look that stands out in the crowd of conventional pickups. - Despite its rugged capabilities, the Actyon Sports 2015 is equipped with a multi-link rear suspension system, which is more commonly found in passenger cars. This setup provides a smoother and more comfortable ride compared to the leaf springs typically used in trucks. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA CAMRY 2018. Price: $184.96 per month. Quote to Value Ratio: 6.91% – 💥 This is a great quote! The TOYOTA CAMRY (2018) with a valuation of 29,600.00 has a monthly premium of 184.96. Compared to similar vehicles within the 20% valuation range, this premium is about average. Several vehicles in the dataset showed premiums ranging from 170 to 200, indicating consistency across similar makes and models. While some outliers exist, notably a few models with lower premiums, the overall pricing reflects similar market conditions for vehicles of this type. Factors like vehicle age and safety ratings might also play a role in premium variations. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $29600.00 with a yearly premium of $2049.75, giving a QTV of 6.91%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA CAMRY: - The 2018 Toyota Camry was completely redesigned with a more aggressive styling and improved performance features, making it one of the most popular sedans in its class. It was praised for its fuel efficiency, with the hybrid model achieving up to 52 MPG, which was a leading figure for a car of its size at the time. - Safety was a significant focus for the 2018 Toyota Camry, as it came standard with Toyota Safety Sense P, a suite of advanced safety features including pre-collision warning with automatic emergency braking, lane departure alert with steering assist, and adaptive cruise control. This made it a top choice for families and safety-conscious buyers. - The Toyota Camry has been a favorite among both celebrities and average consumers due to its reliability and comfort. Notably, the 2018 model year continued to uphold its reputation for long-term value, being one of the top models in its segment for retaining resale value over time, which contributes to its perceived good value despite a slightly higher initial price point. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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