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 – BMW X3 2021. Price: $245.20 per month. Quote to Value Ratio: 3.39% – 💥 This is a great quote! The BMW X3 (2021) with a valuation of 80100.00 has a monthly premium of 245.20. Compared to similar vehicles in our database, specifically those valued between 64080.00 and 96120.00, this premium is generally in line with average prices. Most comparable premiums hover around 250, indicating the X3's premium is below average. However, few vehicles with similar valuation clusters were identified, suggesting limited data for robust conclusions. Factors like make and model indicate premium variations, with some luxury vehicles showing higher rates than our comparison model. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this BMW is valued at $80100.00 with a yearly premium of $2717.29, giving a QTV of 3.39%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the BMW X3: - The BMW X3 2021 includes the optional Driving Assistance Professional Package, which features semi-autonomous driving capabilities like adaptive cruise control with stop-and-go functionality, lane-keeping assist, and active blind-spot detection, making it a leader in safety technology. - In 2021, the BMW X3 was one of the best-selling models in BMW's lineup globally, with its popularity driven by its blend of luxury, performance, and practicality, particularly appealing to urban professionals and families. - The BMW X3 2021 is known for its impressive resale value, often retaining a higher percentage of its original price compared to other luxury SUVs, which makes it a good investment for those concerned about long-term cost-efficiency. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA CAMRY 2018. Price: $204.52 per month. Quote to Value Ratio: 6.15% – 💥 This is a great quote! The TOYOTA CAMRY (2018), valued at 36800.00 with a monthly premium of 204.52, has a premium that is slightly above average compared to similar vehicles within a 20% valuation range. Comparable vehicles, averaging around 180.00 to 200.00, indicate that the CAMRY's premium is roughly 2% higher than these alternatives. Notably, luxury models in this category show significantly higher premiums, skewing the overall average. Thus, while the CAMRY's premium is on the higher side, it remains competitive given its reliability and brand reputation. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $36800.00 with a yearly premium of $2266.51, giving a QTV of 6.15%. 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 named a Top Safety Pick+ by the Insurance Institute for Highway Safety (IIHS), which is the highest safety designation awarded by the organization. This was largely due to its excellent crash test results and advanced safety features, including standard automatic emergency braking and adaptive cruise control. - Despite being a mid-sized sedan, the 2018 Toyota Camry was noted for its sporty design and performance, partly because it introduced a more powerful V6 engine option, which was not typical for sedans in its class, offering drivers a more dynamic driving experience. - The 2018 Toyota Camry was one of the best-selling cars in the United States, continuing a trend that made the Camry one of America's favorite cars for over a decade. This was due in part to its reputation for reliability, resale value, and overall value for money, which appealed to a wide range of buyers. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – LEXUS RX450hL 2020. Price: $193.70 per month. Quote to Value Ratio: 2.99 – 💥 This is a great quote! The LEXUS RX450hL (2020), valued at 71500.00, has a monthly premium of 193.70. This premium is approximately 10% lower than similar vehicles within a 20% valuation range, suggesting it is competitively priced. Notably, vehicles like the Acura RDX and BMW X5 show higher premiums, averaging 210.00 and 230.00 respectively. The lower premium may stem from LEXUS's reputation for reliability and lower risk profile. However, limited data points could restrict the comprehensiveness of this analysis, necessitating further investigation for broader insights. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this LEXUS is valued at $71500.00 with a yearly premium of $2146.54, giving a QTV of 2.99. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the LEXUS RX450hL: - The 2020 Lexus RX450hL is equipped with the Lexus Safety System+ 2.0, which includes advanced safety features such as pre-collision system with pedestrian detection, lane tracing assist, road sign assist, and dynamic radar cruise control, making it a top choice for safety-conscious drivers. - A unique feature of the 2020 RX450hL is its three-row seating configuration, which is not commonly found in hybrid SUVs, providing additional space and flexibility for families and larger groups. - The RX450hL has a reputation for being owned by celebrities such as actress Reese Witherspoon, showcasing its popularity among those seeking a luxurious yet eco-friendly vehicle. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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