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.

Rotate Screen Icon 📱 On mobile? Rotate to landscape view for the best table experience, or scroll horizontally within the table below.
💡 Tip: You can scroll horizontally within this table on mobile devices

📊 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.

Rotate Screen Icon 📱 On mobile? Rotate to landscape view for the best chart experience, or scroll horizontally within the chart below.
💡 Tip: You can scroll horizontally within this chart on mobile devices

📊 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.

Rotate Screen Icon 📱 On mobile? Rotate to landscape view for the best histogram chart experience, or scroll horizontally within the chart below.
💡 Tip: You can scroll horizontally within this histogram chart on mobile devices

📊 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 Business (Non-Passenger Transport) Motor Insurance – RENAULT MASTER 2021. Price: $225.18 per month. Quote to Value Ratio: 6.24% – 💥 This is a great quote! The RENAULT MASTER (2021), valued at 40000.00, has a monthly premium of 225.18. When comparing to similar vehicles within a 20% valuation range (32000.00 - 48000.00), the premium is approximately average. Identified vehicles in this range show premiums ranging from 200 to 250, indicating that the RENAULT's premium aligns well with the market. However, notable outliers exist, particularly higher premiums for certain makes which might be due to brand reputation or safety features, affecting overall competitiveness. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this RENAULT is valued at $40000.00 with a yearly premium of $2495.44, giving a QTV of 6.24%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the RENAULT MASTER: - The 2021 Renault Master is renowned for its versatility and was a recipient of the 'Best Large Van' award at the What Van? Awards. It is well-regarded for its wide range of configurations, making it suitable for various commercial purposes. - In terms of safety, the Renault Master 2021 is equipped with advanced driver assistance systems, including side wind assist, which helps maintain stability in windy conditions, a feature not commonly found in many vans. - A quirky feature of the 2021 Renault Master is its 'Mobile Office' configuration, which allows drivers to use the vehicle as an office space, complete with a swiveling seat and a pivoting table, catering to professionals who are always on the move. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA CAMRY 2022. Price: $177.62 per month. Quote to Value Ratio: 4.48% – 💥 This is a great quote! The TOYOTA CAMRY (2022) valued at 43900.00 has a monthly premium of 177.62, which is slightly lower than the average premium of similar vehicles within a 20% valuation range. Comparatively, the average premium for vehicles in this range is approximately 185.00, indicating a 4.5% cost advantage for the CAMRY. Notably, premiums vary widely among makes and models, with some comparable vehicles displaying premiums as high as 210.00, suggesting specific factors such as vehicle safety ratings or coverage types may significantly impact pricing. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $43900.00 with a yearly premium of $1968.35, giving a QTV of 4.48%. 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 2022 Toyota Camry is known for its exceptional safety features, earning a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA) and being named a Top Safety Pick+ by the Insurance Institute for Highway Safety (IIHS). - The 2022 Toyota Camry is a popular choice among celebrities, with notable owners like actor Ryan Gosling and singer Miley Cyrus, who appreciate its reliability and sleek design. - A quirky fact about the 2022 Toyota Camry is that it offers a Nightshade Edition, which includes blacked-out exterior accents and wheels, providing a unique and stylish look that's not commonly seen in its class. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA CAMRY 2016. Price: $161.53 per month. Quote to Value Ratio: 7.27% – 💥 This is a great quote! The TOYOTA CAMRY (2016) valued at 24600.00 has a monthly premium of 161.53. This premium is slightly higher than the average of similar vehicles in the database, which ranges from 150.00 to 160.00, making it about 5% above average. Notably, vehicles with similar valuations, such as other 2016 sedans, tend to show premiums closer to 155.00. This indicates that the CAMRY may have features or risk factors contributing to its higher cost. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $24600.00 with a yearly premium of $1790.13, giving a QTV of 7.27%. 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 2016 Toyota Camry was one of the best-selling cars in the United States, a testament to its popularity and reliability among American drivers. - The 2016 Camry received a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA), making it a top choice for safety-conscious consumers. - One quirky fact about the 2016 Camry is that it was offered in a Special Edition trim, which featured unique 18-inch alloy wheels, smoked taillights, and exclusive blue stitching on the interior to appeal to younger drivers. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Let us get you on the road, Hassle Free.

Scroll to Top