The real reason your car insurance is so expensive

Ever feel like you’re paying too much for cover? You’re not alone. The real reason your car insurance is so expensive often has less to do with how you drive and more to do with outdated systems still used by most insurers.

Why your car insurance is so expensive

Outdated pricing models still dominate

Most traditional car insurance providers use a risk model based on generalised data — things like your age, job title, postcode, and even your credit score. While these factors might offer a rough idea of risk, they don’t actually reflect how safely you drive day to day.

This means a 25-year-old delivery driver living in a busy city might pay far more than a 40-year-old office worker in the suburbs, even if the younger driver is careful and claim-free. It’s a system that’s outdated, unfair, and one of the core reasons your premium might be higher than it should be.

Rising claims and repair costs affect everyone

Insurers are also dealing with rising costs — and they’re passing those increases straight on to you. Replacement parts, repair labour, and advanced tech in modern cars all cost more. There’s also a growing number of claims involving uninsured drivers, and unfortunately, those costs get spread across all policyholders.

On top of that, the industry is still grappling with fraudulent claims, which drive up overall premiums for honest drivers.

A better alternative: price based on how you drive

The good news? Things are changing. At Rooster, we believe your quote should reflect your real-world driving. That’s why we offer a free test drive to measure how you actually drive — not who you are on paper.

By focusing on real driving behaviour, we can offer a fairer, smarter quote. And in many cases, much cheaper than what you’d pay with a traditional insurer.