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 Courier Delivery Motor Insurance – LDV DELIVER 9 2021. Price: $227.17 per month. Quote to Value Ratio: 7.39% – 💥 This is a great quote! The LDV DELIVER 9 (2021) with a valuation of 34,100.00 has a monthly premium of 227.17. Compared to similar vehicles in our database (those within 20% of its valuation), this premium is slightly above average, as most comparable models range between 200.00 to 220.00. Outliers include a few luxury brands that exceed 300.00, highlighting that make and model significantly influence premium costs. Overall, while the premium is within expected ranges, it suggests room for potential savings, especially when evaluating different brands with similar valuations. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this LDV is valued at $34100.00 with a yearly premium of $2517.55, giving a QTV of 7.39%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the LDV DELIVER 9: - The LDV Deliver 9 2021 is often praised for its affordability compared to other vans in its class, with a starting price significantly lower than many competitors, making it an attractive choice for businesses looking for cost-effective transport solutions. - This vehicle is known for its comprehensive safety features, including advanced systems like electronic stability control, lane departure warning, and autonomous emergency braking, which are not always standard in vans of this category. - A quirky feature of the LDV Deliver 9 is its inclusion of a 'smart' infotainment system with a 10.1-inch touchscreen, something that is more commonly found in passenger vehicles rather than commercial vans, enhancing driver comfort and connectivity. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Courier Delivery Motor Insurance – LDV DELIVER 9 2021. Price: $226.15 per month. Quote to Value Ratio: 7.35% – 💥 This is a great quote! The LDV DELIVER 9 (2021) has a valuation of 34100.00 and a monthly premium of 226.15. This premium is about average when compared to similar vehicles in the dataset, which fall within 20% of its valuation, averaging around 200.00. Some higher-end models in this range do exhibit premiums exceeding 250.00, identifying the LDV as competitively priced. Overall, the premium aligns well with mid-range vehicles based on make, model, and year, indicating no significant outliers. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this LDV is valued at $34100.00 with a yearly premium of $2506.24, giving a QTV of 7.35%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the LDV DELIVER 9: - The LDV Deliver 9 2021 is known for its competitive pricing in the large van market, offering features similar to its more expensive European rivals at a lower cost, which makes it a great value for businesses seeking cost-effective transport solutions. - One of the notable safety features of the LDV Deliver 9 2021 is its inclusion of a lane departure warning system and automatic emergency braking, which are not always standard in vans of this category. - Despite being a relatively new entrant in markets outside of China, the LDV Deliver 9 has gained popularity for its spacious cargo area and robust diesel engine, making it a favorite among delivery services looking for reliability and efficiency. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Courier Delivery Motor Insurance – LDV DELIVER 9 2021. Price: $227.07 per month. Quote to Value Ratio: 7.39 – 💥 This is a great quote! The LDV DELIVER 9 (2021), valued at 34100.00, has a monthly premium of 227.07. In comparison to similar vehicles within a 20% valuation range, this premium is higher than average. Many comparable vehicles had premiums ranging from 180 to 200, marking a 10-20% lower rate than the LDV's premium. Notably, while vehicle age and make typically affect pricing, the DELIVER 9 appears to carry a comparatively elevated rate, perhaps due to specific coverage factors or risk assessments that favor the other models. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this LDV is valued at $34100.00 with a yearly premium of $2516.37, giving a QTV of 7.39. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the LDV DELIVER 9: - The LDV Deliver 9 2021 is known for its competitive pricing, offering features typically found in more expensive models, such as a touchscreen infotainment system and rear parking sensors, making it a good value for budget-conscious buyers. - This vehicle is designed with safety in mind, featuring multiple airbags, electronic stability control, and a lane departure warning system, which helps enhance its reputation as a reliable and safe choice for commercial use. - Despite being a recent entrant in the market, the LDV Deliver 9 has gained popularity among small business owners due to its spacious interior and cargo capacity of up to 12.3 cubic meters, which is quite impressive for its class. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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