Car insurance compare

Compare Car Insurance

At Youi, we don’t do one-size-fits-all insurance. Compare our award-winning, you-shaped policies to see what suits you, your car and your budget.

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AWARD-WINNING INSURANCE Youi won Finder's 2026 National Car Insurance Provider of the Year.

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How to compare car insurance

Ready to start comparing? We’ve zeroed in on the key things to consider and steps to help you compare car insurance quotes.

Understand your needs

The starting point for any comparison is working out what you need from an insurance policy. Think about whether you could afford to replace your car if it was stolen or a total loss after an accident. And, if you caused the accident, could you cover the cost of repairing the other vehicle, or any property you damaged? Your answers could help you decide which type of cover makes sense for your situation, whether it’s Comprehensive car insurance, Third Party Fire & Theft or Third Party Property Only car insurance.

Use comparison tools

Online comparison tools can provide a quick overview of policies and prices. Just remember that, according to moneysmart.gov.au, not all comparison sites feature all available options, so it’s worth doing some extra research directly with insurers too.10

Compare key policy features

Once you’ve narrowed down your options and have two or three policies in mind, here are a few features you can look to compare:10

  • Premiums and excess. Compare like-for-like cover levels and check if you can adjust your excess to lower your premium.
  • Payment options. See if you can pay monthly at no extra cost, or if there’s a discount for paying annually.
  • Exclusions. Look at what’s not covered, such as damage caused by vandalism or certain weather events.
  • Roadside assistance. See if it’s included, and when you’re looking at comprehensive car insurance, compare if it’s standard or costs extra.
  • After-accident support. What help is covered? Are things such as towing and emergency accommodation and transport included?

Review the policy document

Before you commit, it’s worth checking out the policy’s Product Disclosure Statement (PDS). That’s where you’ll find the full details of what’s included and any exclusions or limits. It might seem like a bit of information to wade through, but it’s one way to make sure a policy suits your needs.

Read our PDS

The starting point for any comparison is working out what you need from an insurance policy. Think about whether you could afford to replace your car if it was stolen or a total loss after an accident. And, if you caused the accident, could you cover the cost of repairing the other vehicle, or any property you damaged? Your answers could help you decide which type of cover makes sense for your situation, whether it’s Comprehensive car insurance, Third Party Fire & Theft or Third Party Property Only car insurance.

Online comparison tools can provide a quick overview of policies and prices. Just remember that, according to moneysmart.gov.au, not all comparison sites feature all available options, so it’s worth doing some extra research directly with insurers too.10

Once you’ve narrowed down your options and have two or three policies in mind, here are a few features you can look to compare:10

  • Premiums and excess. Compare like-for-like cover levels and check if you can adjust your excess to lower your premium.
  • Payment options. See if you can pay monthly at no extra cost, or if there’s a discount for paying annually.
  • Exclusions. Look at what’s not covered, such as damage caused by vandalism or certain weather events.
  • Roadside assistance. See if it’s included, and when you’re looking at comprehensive car insurance, compare if it’s standard or costs extra.
  • After-accident support. What help is covered? Are things such as towing and emergency accommodation and transport included?

Before you commit, it’s worth checking out the policy’s Product Disclosure Statement (PDS). That’s where you’ll find the full details of what’s included and any exclusions or limits. It might seem like a bit of information to wade through, but it’s one way to make sure a policy suits your needs.

Read our PDS

Compare ways to save on your car insurance policy

A few considerations could help you save without compromising on cover.

Consider your excess

Your excess is what you pay upfront if your car insurance claim is approved. Choosing a higher excess usually means lower premiums, but you’ll pay more if you claim after an insured event. It’s all about finding the sweet spot that suits your budget.

Be selective with optional cover

Skipping optional extras may reduce your premium, but it’s also worth looking for a policy that includes features you value as standard. For example, when you’re looking at comprehensive car insurance, compare whether roadside assistance is included. At Youi, our Comprehensive car insurance comes with Youi Roadside Assist at no extra cost.4

Understand agreed vs market value

Agreed value is a fixed amount you and your insurer agree on when you take out the policy. Market value reflects your car’s worth at claim time as assessed by your insurer and takes into account various factors about your vehicle. Premiums on market value policies are typically lower, whereas agreed value policies may cost more but give you certainty about the amount you’ll receive if your car’s stolen or a total loss.10

Compare car insurance based on driving habits

How many kilometres you clock up each year can impact your premium. At Youi, if you rarely use your car, your premium may possibly be lower than if you were behind the wheel all day, every day.

Join the happy customers who switched to Youi.

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How to switch
Mark saved $603

Mark from New South Wales saved $603

Switch your car insurance to Youi, and you could give your bank balance a glow-up like real customer Mark.

Lynne saved $285

Lynne from Victoria saved $285

Switch to Youi like real customer Lynne, and you could see some bloomin’ beautiful savings too.

Justin saved $363

Justin from South Australia saved $363

Switch your car insurance to Youi and you could relax into some great savings like real customer Justin.

Premiums and savings subject to rating, underwriting, and individual circumstances. Cover may differ between insurers. Savings have been adjusted for comparability with previous cover.

Compare Youi car insurance policies. Which one is right for you?

Take a look at what each of our car insurance options includes.

Comprehensive Car Insurance

Our broadest cover option. Comprehensive car insurance covers your car for accidents, theft and most severe weather events,2 as well as damage your car accidentally causes to other people’s property.1

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  • If your brand-new car is a total loss within 2 years of initial registration, we’ll pay to replace the car with a new one.3

  • Car broken down? Our 24/7 roadside assistance is on call whenever you need help.4

  • Items inside your car are covered if they’re lost or damaged in an insured event, up to $150 per item and $750 per claim.5

Comprehensive

Third Party Fire & Theft

Our Third Party Fire & Theft insurance covers your car for theft and fire damage, and your legal liability if your car damages someone else’s vehicle or property.6

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  • We’ll cover the reasonable cost of towing your car to the nearest safe location if it can’t be driven after an insured event.5

  • If your car accidentally damages someone else’s property, you’re covered for legal liability up to $20 million on approved claims.7

  • Stranded more than 100km from home after an insured event? We’ll cover up to $1,000 in combined costs for emergency transport, accommodation and repairs.8

Third Party Fire & Theft

Third Party Property Only

If your vehicle causes damage to someone else’s car or property, and we approve your claim, our Third Party Property Only policy offers the following cover:

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  • If your car causes an accident, the driver’s covered for legal liability up to $20 million.7

  • Following an insured event, we’ll cover counselling services for you, household members and listed drivers, up to $1,500 per person.7

  • If an uninsured, at-fault driver accidentally damages your car, we’ll cover up to $5,000 if you can provide the other driver’s details.9

Third Party Property Only

Why choose Youi car insurance when you compare insurance quotes?

Real people on the phone

Real people. Real service.

Our Australian based claims specialists and advisors aim to answer calls in around 30 seconds13.

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Highly rated by our customers

We’re rated “Excellent” on Trustpilot and have over 24,000 5-star ratings – see what our customers have to say if you’re choosing car insurance with Youi.

See how much you could save

See if you could save 

Compare car insurance and see if you could save – like Jess who saved $649 when she switched to Youi Car Insurance14.

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24/7 roadside assistance

Youi 24/7 Roadside Assist is included at no extra cost with Comprehensive Car Insurance policies.

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Your claim sorted in 5 steps

Claims can be difficult, so our easy 5-step process helps ease that stress. Our friendly claims advisors can walk you through the process and help as you need it.

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Compare car insurance that’s a bit more you-shaped

Every driver’s different, which is why we offer several types of cover to choose from at Youi. Ready to compare car insurance? Give us a call or start a quote online.

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Aussie car insurance. Compare the options where you live

Compare our car insurance policies

Use this chart to help you identify the level of cover that suits you best. It’s simple and straightforward because at Youi, we think it should be easy to compare car insurance.

Comprehensive
Third Party Fire & Theft
Third Party Property Only

From a flat tyre to a dead battery or a car that just won’t go, our roadside assistance will help get drivers out of trouble 24/7. Some limits and restrictions apply – for full details, see the PDS.15

Accidents happen. If they do, know your vehicle is covered for damage caused by you or someone else, or even as a result of a no fault car accident.16

Not all damage is accidental. So if someone intentionally damages your car, that’s covered as well.16

From engine fire or electrical fire to bushfire2, if your car is damaged by fire, we’ll cover the cost to replace or repair it where your insurance claim has been accepted.

If someone steals your car – or tries to and causes damage to the vehicle – we’ll cover the cost to replace or repair it.5

As rare as they are here in Australia, earthquakes can still hit and cause major damage. If your car is affected, it will be covered.16

If your car accidentally causes damage to another person’s property, we’ve got you covered for up to $20 million in legal liability costs.7

Following an insured event, we’ll cover the reasonable cost of towing and storing your vehicle at the nearest suitable place to the incident or car accident location.5

If your car isn’t safe to drive after an insured event, we’ll reimburse up to $100 for personal transport from the scene of the car accident or incident, to and from the car’s repairer, or to and from a hire car provider.5

If your car is involved in an insured event and isn’t safe to drive due to damage, and you’re more than 100km from home, we’ll reimburse up to $1,000 for emergency accommodation, transport or repairs.5

We’ll pay for the reasonable cost of a hire car for up to 21 days after theft or attempted theft so you can stay on the move.17

If the driver of another vehicle is at fault in a car accident that causes loss or damage to your vehicle, we’ll cover the cost of a suitable hire car to help you get around. Conditions apply – see the PDS for full details.17

You can choose to add the option to include hire car coverage for up to 21 days for all other insured events.18

Note: This optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your car insurance policy schedule and you’ll be charged an additional insurance premium.

If the keys to your car are stolen, we’ll cover the cost up to $1,000 after excess to replace or recode the car’s locks and keys where your car insurance claim has been accepted.5

We’ll replace the following items that are on or in your car should they be damaged as a result of an insured event and where an insurance claim has been accepted:5

  • Baby seat/s
  • Personalised registration plates
  • Towbar
  • Window tinting.

It’s not just your car that we’ve got covered after an insured event – we’ll also cover the contents inside it if they’re affected, with up to $150 per item and up to $750 for each insurance claim.19

Your unbraked trailer will be covered for its market value up to $1,500 if it’s damaged as a result of an insured event.20

Sold or traded in your current car? We’ll insure your replacement car for up to 14 days after purchase for the same level of cover as the car it replaced. Where you have Comprehensive or Third Party Fire & Theft cover, the most we’ll pay for an insurance claim on the replacement car is its market value up to a maximum of $100,000.21

Car accidents can be overwhelming. We’ll help you support your mental health too, with reimbursement of up to $1,500 per person – including you, listed drivers and household members – toward costs you incur for counselling sessions needed after an incident where an insurance claim has been accepted.17

If a driver of your car sustains a fatal injury as a result of a car accident while driving with your permission, we’ll help the deceased driver’s estate cover costs related to the funeral, burial or cremation. This benefit is capped at $5,000 in any one contract period.

If your business items are stolen from a locked boot or lockable compartment, or damaged in an insured event, our optional cover for business items has you covered. If you’ve selected this option on your car insurance policy, we’ll cover the replacement cost up to $400 for each item, with a maximum amount of $2,000 per claim.22

Note: This optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your car insurance policy schedule and you’ll be charged an additional insurance premium.

If your vehicle is a campervan or motorhome, we’ll cover the contents inside up to $1,000 per item if loss or damage has occurred due to an insured event. The most we’ll pay for each insurance claim is noted on your policy schedule.22

Note: This optional cover may not always be available to you. If you ask and we agree to add the option, the details will be noted on your car insurance policy schedule and you’ll be charged an additional insurance premium.

Covered
Optional
Not Covered

Car insurance compare – FAQs

Need a bit of clarity? You’re in the right place.

You’ll also find more answers to your car insurance questions on our car insurance page.

Shopping around can help you work out if you’re still getting good value for money, and whether you’ve got the right cover for your needs. Maybe you’ve moved to a new address with a garage or changed how you commute – or perhaps you want some extra coverage. Taking the time to compare car insurance policies means you can feel confident you have cover that suits your car, your lifestyle and your wallet.

Whether third party cover is enough will depend on your individual circumstances. For example, some people with older, lower-value cars who can afford to repair or replace them themselves might decide Third Party Fire & Theft or Third Party Property Only car insurance is sufficient for them. If your car’s valuable or financed, or if you’d struggle to afford a big repair bill, Comprehensive car insurance offers broader cover.

Start by making sure the car insurance quotes you’re comparing are for the same type of cover and have similar excess amounts. Then look at what each policy does and doesn’t include. For example, when you compare third party car insurance, make sure the policies have the features you need. When you’re looking at comprehensive car insurance, compare which extras come as standard. And remember, cost is important but the cheapest option isn’t always the best if it doesn’t give you the cover you need for your situation.

At Youi, getting a quote is simple. You’ll just need to share your car details, plus information about how you use it and where it’s usually parked. We’ll also ask for your details, things such as your age and licence type, along with information about anyone else who regularly drives your car. Easy, right? To get the ball rolling, call us or start a quote online.

Switching car insurance is straightforward. Once you’ve chosen a new policy, select a start date. If it’s renewal time, align this with when your current policy ends to avoid any gaps in cover. Then contact your old insurer to cancel, making sure the cancellation date matches your new policy’s start date. Finally, confirm with your new insurer that everything’s active and you’re covered.

Guides

It’s easier to choose, change and compare car insurance when you know what to look for. These guides may help you navigate your options.

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See why Australians trust Youi

Our customers say it best – we’re known for being friendly, professional and genuinely helpful. With thousands of positive Trustpilot reviews, we’re here to make every step – from the moment you start to compare car insurance options to getting quotes, renewing a policy and making an insurance claim – as smooth as possible.

Take a look at what a few people have said about their recent experience with Youi.

Excellent Youi Trustpilot star rating
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25 Mar 2026

Fantastic service

Fantastic service, friendly, professional and saved over $200 for the year on my car insurance.

Cat
Youi Insurance 5 star Trustpilot review
07 Mar 2026

Talking to Joel

Talking to Joel, felt like talking with my son today. It was an easy and relaxed conversation, which ended up with me saving money by choosing Youi to give me security with comprehensive car insurance.

Tracey
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Youi Car Insurance

The experience was great, no hassles only friendly efficient service satisfying all my questions. Sal was the officer involved and was most helpful. Thankyou.

David
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13 Feb 2026

Car insurance claim made easy

Claim process was made easy by the professionalism and friendliness of the call operator. Would not fault the excellent service provided. YOUI HIGHLY RECOMMENDED

Carole

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Disclaimers

Car Insurance issued by Youi Pty Ltd. Consider the Car PDS and TMD to decide if this product is right for you.

1 Limits and exclusions apply. For full details, see the PDS.
2 Exclusions and limits may apply. Where you have increased your cover or reduced your excess within 72 hours of a flood, storm, hail or bushfire occurring, cover will be limited to the amount that was effective prior to the change. Loss, damage or legal liability caused by, resulting or arising from flood, storm, hail or bushfire during the first 72 hours of your policy first being purchased is excluded unless certain conditions apply. For more details, see the PDS, TMD and your policy schedule.
3 If your car is a total loss from an insured event which occurs within 24 months of your car first being registered and if you or a listed driver purchased your car new or as a demonstrator car from a licensed dealer, we’ll pay to replace it with a new one of the same make and model, or pay you the market value or agreed value as per your policy schedule.
4 Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS. Youi Roadside Assist available with Comprehensive policies only. Exclusions, limits, waiting periods and additional fees may apply. Cover not available within 24 hours of taking out or upgrading to Comprehensive cover. For more details, see the roadside assistance T&Cs and Car PDS.
5 Available with Comprehensive and Third Party Fire & Theft policies only. Exclusions apply. For full details, see the PDS.
6 Limits, fees and exclusions may apply. For more details, see the PDS. Loss or damage caused by a bushfire within the first 72 hours of your policy commencing is only covered in limited circumstances. Available with Comprehensive and Third Party Fire & Theft policies. For more details, see the PDS.
7 Available with all levels of car insurance except CTP. Limits and exclusions apply. For more details, see the PDS.
8 If your car’s unsafe to drive after an insured event and you’re more than 100km from home, we’ll reimburse you up to $1,000 for combined emergency transport, accommodation and/or repairs. Available with Comprehensive and Third Party Fire & Theft policies only. For more details, see the PDS.
9 Available with Third Party Fire & Theft or Third Party Property Only cover only. For more details, see the PDS.
10 Source: Moneysmart – Choosing car insurance
11 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist.
12 Where we arrange, authorise and pay a service provider for repairs, we will guarantee the quality of the repairs for as long as you or a listed driver are the owner of the insured property. The guarantee includes the rectification of any defects caused by poor workmanship, or faulty materials, related to these repairs. For more details, see the PDS.
13 Refers to average call answer times for Customer Services, excluding calls to Youi Roadside Assist.
14 Premiums and savings subject to rating, underwriting, and individual circumstances. Cover may differ between insurers. Savings amounts have been adjusted for reasonable comparability with previous cover.
15 Youi Roadside Assist available with Comprehensive policies only. Conditions, exclusions, limits, and additional fees may apply. Cover not available within 24 hours of taking out or upgrading to Comprehensive cover. For full details, see the PDS, T&Cs & TMD.
16 Available with Comprehensive policies only. Limits and exclusions apply. For more details, see the PDS.
17 Available with Comprehensive and Third Party Fire & Theft policies only. Limits and exclusions apply. For full details, see the PDS.
18 This is an optional cover and may be purchased at an additional cost. Available with Comprehensive policies only. Conditions, limits and exclusions apply. For full details, see the PDS.
19 Cover does not extend to the contents of a trailer. Available with Comprehensive and Third Party Fire & Theft policies only. Limits and exclusions apply. For full details, see the PDS.
20 Available with Comprehensive and Third Party Fire & Theft policies only. Conditions, limits and exclusions apply. For full details, see the PDS.
21 Available with Comprehensive and Third Party Fire & Theft policies only. Conditions apply. For full details, see the PDS.
22 This is an optional cover and may be purchased at an additional cost. Available with Comprehensive and Third Party Fire & Theft policies only. Limits and exclusions apply. For full details, see the PDS.