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 – HYUNDAI TUCSON ACTIVE X (FWD) TL3 MY19 4D WAG 6 SP AUTOMATIC, 4 CYLINDER, 2.0L 2018. Price: $182.25 per month. Quote to Value Ratio: 0.009 – 💥 This is a great quote! The HYUNDAI TUCSON ACTIVE X (2018) valued at 22500.00 has a monthly premium of 182.25. When compared to similar vehicles within a 20% valuation range (18000.00 to 27000.00), this premium is slightly above average. Several comparable vehicles have premiums averaging around 160.00 to 180.00, suggesting that the Tucson's rate may be high for its market segment. Notably, SUVs of similar age and make show varied pricing, possibly influenced by demand, vehicle condition, and additional coverage factors, indicating that individual vehicle specifics play a crucial role in premium determination. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this HYUNDAI is valued at $22500.00 with a yearly premium of $2019.68, giving a QTV of 0.009. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the HYUNDAI TUCSON ACTIVE X (FWD) TL3 MY19 4D WAG 6 SP AUTOMATIC, 4 CYLINDER, 2.0L: - The 2018 Hyundai Tucson Active X offers an impressive suite of safety features for its class, including standard equipment like a rearview camera, stability control, and a full array of airbags, making it a great choice for safety-conscious drivers. - The Hyundai Tucson has been a popular choice among compact SUV buyers due to its reputation for reliability and the value it offers at its price point, which was around $31,000 AUD when new, making it an affordable option for many families. - A quirky fact about the 2018 Hyundai Tucson is that it features a hidden compartment under the cargo floor, providing extra storage space that is particularly handy for keeping valuables out of sight, an unusual feature for vehicles in its class. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – NISSAN NAVARA 2017. Price: $136.90 per month. Quote to Value Ratio: 4.77% – 💥 This is a great quote! The NISSAN NAVARA (2017) valued at 31800.00 has a monthly premium of 136.90. In comparing this with similar vehicles in the database (within 20% of its valuation), the premium is generally lower than average; most comparable vehicles have premiums around 150-180 monthly. Notable outliers include some higher-end models with premiums exceeding 200, indicating that the NAVARA’s premium may be more attractive for its valuation range. Overall, while the premium is competitive, some vehicles of similar value exhibit higher costs, possibly influenced by features or risk factors. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this NISSAN is valued at $31800.00 with a yearly premium of $1517.08, giving a QTV of 4.77%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the NISSAN NAVARA: - The 2017 Nissan Navara is known for its impressive towing capacity, which is up to 3,500 kg. This makes it a popular choice among those who need a reliable vehicle for towing heavy loads. - A unique feature of the 2017 Nissan Navara is its multi-link rear suspension, which is unusual for a pickup truck. This provides better ride comfort and handling, making it stand out in its class. - The 2017 Nissan Navara is reputed for its durability and off-road capabilities, which makes it a favorite among adventurers and is often featured in off-road rallies and competitions, highlighting its robustness and reliability. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

Compare awesome quote for Private Motor Insurance – MAZDA MAZDA3 2014. Price: $88.96 per month. Quote to Value Ratio: 7.36% – 💥 This is a great quote! The MAZDA MAZDA3 (2014), valued at 13400.00, has a monthly premium of 88.96. Compared to similar vehicles in our database within 20% of its valuation, which range from 10720.00 to 16080.00, this premium is approximately average. Several vehicles in this bracket exhibit monthly premiums ranging from 75.00 to 110.00, indicating a typical pricing trend. Notably, premiums do not vary significantly among different makes and models for vehicles of similar age and valuation, suggesting consistency in insurance pricing across this category. What is Quote to Value Ratio? A great quote usually has a QTV of 7% or less. For example, this MAZDA is valued at $13400.00 with a yearly premium of $985.89, giving a QTV of 7.36%. A QTV over 8% may mean you're paying too much. Let’s help you reduce it today. Fun Facts about the MAZDA MAZDA3: - The 2014 Mazda MAZDA3 was highly praised for its fuel efficiency, boasting up to 41 miles per gallon on the highway, making it one of the most fuel-efficient vehicles in its class at the time. - One of the standout features of the 2014 Mazda MAZDA3 was its advanced safety technology, including the optional i-ACTIVSENSE suite, which offered features like blind-spot monitoring and rear cross-traffic alert, contributing to its top safety ratings. - The 2014 Mazda MAZDA3 was equipped with the MAZDA CONNECT infotainment system, which was controlled via a rotary dial on the center console, a feature more commonly found in luxury vehicles, demonstrating Mazda's emphasis on providing a premium feel at a more affordable price. #awesomequote #carinsurance #nationalcover #quotetovalue #compareinsurance #insurancehacks

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