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 – TOYOTA CAMRY 2021. Price: $180.92 per month. Quote to Value Ratio: 4.69% – 💥 This is a great quote! The TOYOTA CAMRY (2021) with a valuation of 42700.00 carries a monthly premium of 180.92. When compared to similar vehicles within a 20% valuation range, which is between 34160.00 and 51240.00, this premium is slightly above the average. Most comparable vehicles show premiums ranging from 150.00 to 175.00, indicating that the CAMRY's insurance is higher by about 3-20%. Notably, premiums for similar models like the HONDA ACCORD and NISSAN ALTIMA were lower, suggesting that make and model can significantly influence insurance costs. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $42700.00 with a yearly premium of $2004.94, giving a QTV of 4.69%. 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 2021 Toyota Camry is equipped with Toyota Safety Sense 2.5+, which includes advanced safety features such as Pre-Collision System with Pedestrian Detection, Lane Departure Alert with Steering Assist, and Dynamic Radar Cruise Control, making it one of the safest vehicles in its class. - The Toyota Camry has been one of the best-selling cars in the United States for over two decades, with its popularity attributed to its reliability, fuel efficiency, and affordability. In 2021, it was one of the top three best-selling sedans in the country. - A quirky fact about the 2021 Toyota Camry is that it offers a Nightshade Edition, which includes blacked-out features such as 18-inch black alloy wheels and black exterior accents, giving it a distinctive and sporty look. This edition appeals to younger buyers seeking a more aggressive design. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – TOYOTA CAMRY 2017. Price: $145.04 per month. Quote to Value Ratio: 4.51 – 💥 This is a great quote! The TOYOTA CAMRY (2017) with a valuation of 35600.00 has a monthly premium of 145.04. Compared to similar vehicles within a 20% valuation range, this premium is slightly lower than average. Many similar vehicles had premiums ranging from 150 to 160, making the CAMRY's premium about 10% less than the typical rate in this bracket. Notably, the premiums of some SUVs were significantly higher, reflecting their increased risk factors, while sedans tended to align more closely with the CAMRY's premium due to similar makes and models. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this TOYOTA is valued at $35600.00 with a yearly premium of $1607.38, giving a QTV of 4.51. 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 2017 Toyota Camry was highly acclaimed for its excellent resale value, often retaining a large percentage of its original price even after several years of use, making it a smart investment for budget-conscious buyers. - In terms of safety, the 2017 Camry earned a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA), thanks to features like ten airbags, a backup camera, and optional advanced safety technologies like blind-spot monitoring. - The Toyota Camry has been a favorite among celebrities, with high-profile owners like actor Matt Damon known to have driven one, showcasing its appeal across different social spectrums. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Business (Non-Passenger Transport) Motor Insurance – MITSUBISHI TRITON 2019. Price: $103.56 per month. Quote to Value Ratio: 3.60% – 💥 This is a great quote! The MITSUBISHI TRITON (2019) valued at 31900.00 has a monthly premium of 103.56. Upon comparing it with similar vehicles within 20% of its valuation, the premium is slightly higher than the average premium of 98.00 across the identified vehicles. Approximately 60% of similar models demonstrated premiums ranging from 90.00 to 110.00. Notably, most vehicles from similar makes and models exhibited average premiums, suggesting that the TRITON's premium might be influenced by factors such as claim history or risk assessment. Overall, while competitive, it stands on the higher end for its value category. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MITSUBISHI is valued at $31900.00 with a yearly premium of $1147.66, giving a QTV of 3.60%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the MITSUBISHI TRITON: - The MITSUBISHI TRITON 2019 is praised for its competitive pricing, making it a popular choice among budget-conscious buyers who are looking for a reliable and robust pickup truck without breaking the bank. - One of the standout safety features of the MITSUBISHI TRITON 2019 is its reinforced impact safety evolution (RISE) body, which enhances passenger protection by efficiently absorbing energy in the event of a collision. - A quirky fact about the MITSUBISHI TRITON is that it has a unique feature called the 'J-Line,' which optimizes the cabin space by altering the angle between the cabin and bed, providing more interior space without increasing the overall length of the vehicle. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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