This study proposes a fuel consumption estimation system and method with lower cost. On-board units can report vehicle speed, and user devices can send fuel information to a data analysis server. Then the data analysis server can use the proposed fuel consumption estimation method to estimate the fuel consumption based on driver behaviours without fuel sensors for cost savings. The proposed fuel consumption estimation method is designed based on a genetic algorithm which can generate gene sequences and use crossover and mutation for retrieving an adaptable gene sequence. The adaptable gene sequence can be applied as the set of fuel consumption in accordance with the pattern of driver behaviour. The practical experimental results indicated that the accuracy of the proposed fuel consumption estimation method was about 95.87%.