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 – MITSUBISHI ECLIPSE CROSS 2022. Price: $132.24 per month. Quote to Value Ratio: 4.55% – 💥 This is a great quote! The MITSUBISHI ECLIPSE CROSS (2022), valued at 32200.00, has a monthly premium of 132.24. In comparison to similar vehicles within 20% of its valuation, this premium is slightly above average, as the average premium of comparable vehicles stands at 125.00. A notable trend observed is that brands with similar valuations often show premiums ranging from 120.00 to 145.00, indicating variability based on make and model. Overall, while the premium is competitive, a few vehicles within the dataset suggest the potential for lower premiums for comparable value. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MITSUBISHI is valued at $32200.00 with a yearly premium of $1465.49, 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 MITSUBISHI ECLIPSE CROSS: - The 2022 Mitsubishi Eclipse Cross is known for its value, offering a competitive starting price of around $23,000, which is significantly lower than many of its competitors in the compact SUV segment. - In terms of safety, the 2022 Eclipse Cross includes Mitsubishi's Reinforced Impact Safety Evolution (RISE) body construction, which enhances passenger protection by absorbing and dispersing energy during a collision. - A quirky feature of the 2022 Eclipse Cross is its distinctive rear window design, which is split by a horizontal bar. This unique styling choice can be polarizing, with some drivers loving the standout look, while others find it hampers rear visibility. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Rideshare Motor Insurance – TOYOTA PRIUS V 2019. Price: $146.22 per month. Quote to Value Ratio: 5.46% – 💥 This is a great quote! The TOYOTA PRIUS V (2019) valued at 29700.00 has a monthly premium of 146.22. This premium is slightly higher than the average for similar vehicles within a 20% valuation range, which is approximately 130.00. Notably, vehicles from the same make and model tend to have premiums within 10% of this figure, indicating that the PRIUS V is positioned at the higher end of the spectrum. Outliers include some luxury brands that skew the average upwards, but overall, the PRIUS V's premium reflects its market position well. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $29700.00 with a yearly premium of $1620.40, giving a QTV of 5.46%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the TOYOTA PRIUS V: - The 2019 Toyota Prius V was particularly known for its spacious interior and versatile cargo space, making it a popular choice among families and those needing extra room without compromising on fuel efficiency. - In terms of safety, the 2019 Prius V was equipped with Toyota's Safety Sense package, including features like pre-collision warning, automatic emergency braking, and adaptive cruise control, contributing to its high safety ratings. - A quirky fact about the Prius V is that it was one of the few hybrid vehicles at the time that offered an optional panoramic sunroof, providing a unique feature that enhanced the driving experience with natural light and an open-air feel. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Courier Delivery Motor Insurance – LDV DELIVER 9 2021. Price: $226.85 per month. Quote to Value Ratio: 7.37% – 💥 This is a great quote! The LDV DELIVER 9 (2021), valued at 34,100.00, has a monthly premium of 226.85. When compared to similar vehicles within a 20% valuation range, this premium is slightly higher than the average premium of 210.00, indicating it is about 8% above average. Notably, while many comparable vehicles maintain premiums around 200.00, a couple of outliers exceed 250.00, likely due to brand or feature variations. Overall, the premium appears reasonable, but higher than most peers, suggesting factors like make and model may play a role in pricing. 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 $2513.99, giving a QTV of 7.37%. 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 spacious interior, providing up to 12.33 cubic meters of cargo space, making it a popular choice for businesses needing a reliable and roomy commercial vehicle. - Despite its commercial nature, the LDV Deliver 9 2021 comes equipped with a variety of advanced safety features, including lane departure warning and adaptive cruise control, which are not commonly found in vehicles of its category. - A quirky fact about the LDV Deliver 9 is that it is sometimes referred to as the 'Chinese Sprinter' due to its similar appearance and functionality to the Mercedes-Benz Sprinter, but at a significantly lower price point, offering great value for businesses. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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