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Car insurance NSW

You’ve soaked up the views and the scenic routes – now explore car insurance to keep up with your NSW drives.

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AWARD-WINNING INSURANCEWeMoney Car Insurer of the Year

4.7/5

From Byron to Bega, we’ve got you

NSW drivers know good value car insurance when they see it – that’s why so many choose Youi.

Whether road-tripping through Coonabarabran or chasing waves in Coffs Harbour, cruising the Kosciuszko Alpine Way or just trying to score a park in Sydney – our range of NSW car insurance policies are here for you.

Want to find out what makes Youi different? Consider starting your car insurance NSW quote today.

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Compare car insurance NSW

Looking for car insurance in Sydney or greater New South Wales? It doesn’t have to be complicated. Compare car insurance options for NSW drivers – and see what Youi policies include below.

Comprehensive car insurance

Covers your car for accidental damage, theft, and attempted theft¹ – plus damage your car causes to other people’s cars and property.²

Comprehensive

Third Party Fire and Theft

Covers your car for loss caused by fire and theft ³ – plus covers you for damage your car causes to other people’s cars and property.²

Third Party Fire & Theft

Third Party Property Only

Covers damage your car causes to someone else’s car or property² – but not damage to your car.

Third Party Property Only

Looking for NSW CTP Green Slip insurance?

Green Slip insurance – officially called Compulsory Third Party (CTP) insurance – is mandatory for all drivers in NSW. It helps cover costs if others are injured in an accident involving your car.

Learn more about NSW CTP Green Slip insurance or start a car insurance NSW quote.

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Choosing car insurance in NSW – what features matter most?

When choosing car insurance in New South Wales, a few key features can make a difference – not just to your cover, but to your premium too.

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Annual or monthly payments

With Youi, you can choose to pay for 12 months of car insurance upfront or spread the cost over 12 monthly instalments
New car replacement

If your car is a total loss within two years of its first registration, Youi will pay to replace the car with a new car.⁵
Reduced excess for windscreens

Rock hit your windscreen while on the roads of NSW or wider Australia? You may be able to choose a reduced excess for claims that solely involve your windscreen, window glass or sunroof glass.⁶
Hire car following a not at fault incident

If your car’s stolen or damaged in an accident where you weren’t at fault, Youi Comprehensive car insurance NSW policies include a hire car to help you get you back on the road sooner.⁷

New South Wales drivers switched and saved.*

It's true. Around 89% of New South Wales drivers who switched to Youi told us they saved on their car insurance.^*

How much did they save?

An average of $221 per year*

All up, our NSW customers told us they’ve saved a combined total of $4.3 million*

ROADSIDE ASSIST

Need roadside assistance? Help is a call away.

Roadside assistance is available 24/7 with Youi’s Comprehensive car insurance policies in NSW.⁴ Simply call 13 11 17 and help will be on the way.

Youi roadside assistance cover includes⁴:

Vehicle towing
Emergency fuel
Flat or faulty batteries
Bogged vehicle
Taxi
Lost or locked keys
Caravan / trailer assistance

Some exclusions, limits and fees can apply – check out our T&Cs for more info.

How much might it cost to insure your car in New South Wales?

Car insurance quotes in NSW can vary depending on factors such as your age, your driving history, which car you drive and how the car is used. For indicative annual premium costs, choose your vehicle make and model below.

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Youi car insurance NSW FAQs

Got questions about car insurance in NSW? Here are some answers.

You need mandatory Compulsory Third Party (CTP) insurance to drive legally on NSW roads. This type of car insurance provides cover for costs associated with injuries to others as the result of a motor accident.

If you want cover in a wider range of situations – for example, if your car is stolen, damaged in an insured event, or for damage your car causes to other people’s vehicles or property – we offer a number of car insurance policies that might be a good fit for your needs and budget.

Explore Youi’s Comprehensive, Third Party Fire & Theft, and Third Party Property Only car policies to learn more about the cover we offer NSW drivers.Read our car insurance PDS for a deep dive on what each policy includes.

Here’s how NSW CTP (Green Slip) car insurance and comprehensive car insurance differ:

CTP (Compulsory Third Party) car insurance is mandatory – in NSW, you’ll need it before you can register your vehicle to drive legally on the road.
Comprehensive car insurance is optional but covers you for more risks than CTP.

While CTP only covers the costs of lost income and medical treatment resulting from injury you cause to others in a motor accident, comprehensive car insurance covers the costs of damage to your car and third-party property. That could be from a car accident, theft¹, intentional damage⁸, and some severe weather such as hail, storms, fires, and floods.⁹

How much car insurance costs in NSW depends on several factors, including:

The make, model, value, age, conditionand sometimes even the colour –) of your car
Your age and driving history – the number of demerit points you’ve incurred on your licence could impact your car insurance costs, and drivers under the age of 25 may incur an additional excess
Where in NSW you park your car
The level of cover you choose
Whether you use your car for personal or business purposes
Your insurance excess – a higher excess means you’ll pay more if you make a claim, but will reduce your premium · How you choose to pay – paying annually, for example, may lower your premium

The most accurate way to find out how much your car insurance may cost is to start a quote with Youi.

What people are saying

Excellent

4.7 / 5 from over 26,508 reviews.

29 Jul 2024

Best insurance company Australia

Never ever had a problem with YOUI insurance always helpful in questions that I ask and get all the answers from them. Excellent smash repairs quality with the work done on vehicles.

25 Jul 2024

Great Sales Rep

Sales representative Caitlin was fantastic to deal with - she listened to the outcome I was after for my car insurance & worked with me to achieve this outcome. 10+ years at another provider & because of Caitlin’s professionalism, I’m now a Youi customer.

23 Jul 2024

Excellent customer service

Excellent customer service, my claim was handle quickly and without fuss. Would highly recommend to anyone looking for insurance.

30 Jun 2024

Fantastic customer service

So nice to be able to reach a company in real time and have such great communication. They really do follow up with you in a timely manner!

27 Jun 2024

Excellent Customer Service

As always , Customer service is exceptional with YOUII . Blake was super helpful and knowledgeable. He resolved all of my questions and I’m now very happy with the result

25 Jun 2024

Awesome service

I spoke with Renee about taking out car insurance. Renee was knowledgeable about the product, very helpful and so personable. I felt like I was talking to a friend.

27 May 2024

Excellent service

Liam was very polite and professional. Made the experience easy. Would highly recommend Youi for your insurance needs. Great customer service.

16 May 2024

It was a pleasure to deal with Youi…

It was a pleasure to deal with Youi staff today.. Simon was extremely informative and very helpful to my needs Having been with another Insurance Company for 35 years it was difficult to let go however I felt very confident in moving across . thank you

04 May 2024

Excellent Customer Service

Excellent Customer Service. Michael was very efficient and had all the knowledge. The processes was very smooth and gave me an excellent offer. I would recommend Youi to all my friends

Disclaimers

Please read the relevant Product Disclosure Statement (PDS) for full details.

¹Theft cover available with Comprehensive or Third Party Fire & Theft policies only. Exclusions apply. For more details, see the PDS.
²Legal liability cover available with all levels of car insurance except CTP. Limits and exclusions apply. For more details, see the PDS.
³Theft and Fire cover available with Comprehensive or Third Party Fire & Theft policies only. Exclusions apply. For more details, see the PDS.
⁴Youi Roadside Assist available with Comprehensive policies only. Exclusions, limits 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 Assist T&Cs and Car PDS.
⁵New Car Replacement available with Comprehensive and Third Party Fire & Theft policies only. 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. For more details, see the PDS.
⁶We may offer you the opportunity to reduce your excess for claims that solely involve your windscreen, window glass or sunroof glass. Additional costs and conditions apply. For more details, see the PDS.
⁷Hire car following a not at fault incident available with Comprehensive policies only. Conditions and exclusions apply. For more details, see the PDS.
⁸Intentional damage available with Comprehensive policies only. Exclusions apply. For more details, see the PDS.
⁹Storm, Hail or Flood cover available with Comprehensive policies only. Exclusions and limits 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.