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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Compare 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

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 insurance quotes.

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

Why choose Youi car insurance when you compare insurance quotes?

Claim online, anytime

Claim online, anytime

Dealing with an insured event is tough enough, so we’ve made lodging a claim simple. Lodge yours online, 24/7.

Friendly looking woman wearing a telephone headset.

We pick up quick

On average we strive to answer phone calls in around 30 seconds,11 because getting help shouldn’t mean sitting on hold for hours and hours.

Repair guarantee

Hire car following a theft

If your car is involved in a theft or attempted theft, you won’t be left without wheels. For accepted theft claims, our Comprehensive and Third Party Fire & Theft insurance covers the cost of a hire car for up to 21 days.5

Repair guarantee

Quality repairs, guaranteed

Once we approve a claim, every authorised Youi repair comes with our guarantee. If there’s an issue with the work, you’re covered for as long as you own the vehicle.12

Couple walking out to their car

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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Car insurance – compare ways to save

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.

Aussie car insurance. Compare the options where you live

Car insurance – compare our products

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.

View the PDS
Comprehensive
Third Party Fire & Theft
Third Party Property Only
Accidental Damage
Intentional Damage
Storm or Flood
Fire
Theft
Earthquake
Legal Liability
Towing Costs
Personal Transport
Emergency Accommodation, Transport and Repairs
Hire Car Following Theft
Hire Car Following a Not at Fault Accident
Hire Car for Other Insured Events
Locks and Keys
Additions to the Car
Contents Inside the Car
Unbraked Trailer
Temporary Replacement Cover
Counselling Services
Funeral Expenses
Youi Roadside Assist^
Business Items
Campervan/Motorhome Contents
Injury and Death*
Covered
Optional
Not Covered

^ Youi Roadside Assist included with Comprehensive cover only. Exclusions, limits and additional fees may apply. Cover not available within first 24 hours of taking out, or upgrading to, Comprehensive cover. See the T&Cs and PDS for full details.

* The extent to which you are covered under your CTP policy will depend on the severity of your injuries, if you are the driver at fault or not, or whether you are charged with a driving offence. For full details of coverage refer to www.sira.nsw.gov.au or www.ctp.sa.gov.au in South Australia.

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
Youi Insurance 5 star Trustpilot review
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
Youi Insurance 5 star Trustpilot review
16 Feb 2026

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
Youi Insurance 5 star Trustpilot review
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

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. Limits apply. For more 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.