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Car insurance NSW
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Ah, New South Wales – Australia’s ‘first state’. While you’re known for your magnificent NSW coastline, breath-taking natural treasures and vibrant capital city of Sydney, Youi’s known for offering the people of NSW top quality car insurance matched with top quality service. What a combo.

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New South Wales,
we're here for you.

From Byron Bay to Broken Hill, Coonabarabran to Coffs Harbour, and Moree to Mudgee, New South Welshmen (and women) know good car insurance when they see it. And that’s why so many of them choose Youi.

At Youi, our NSW car insurance policies provide you with a number of different options to choose from. We’re an insurer that takes the time to listen and ask the right questions, so you can select the car insurance cover that works for you.

So whether you’re cruising the Kosciuszko Alpine Way, heading to the beach at Bondi or crawling down the M5, we’ve got the car insurance to keep you covered.

For Comprehensive car insurance in NSW that won’t let you down, chat to the team at Youi today.


Choose your cover

Finding the right kind of car insurance in Sydney or greater New South Wales can often seem complicated. That’s why we like to make it easier to see what is (and isn’t) included in our car insurance policies.

New South Wales drivers switched and saved.*

It's true. Around 87% of people in New South Wales who switched to Youi told us they saved on their car insurance.*

How much did they save?


An average of $212 per year*

In fact, our NSW customers told us
they saved $3.2 million*

Figures are based on feedback received from 17,723 Youi policy-holders residing in New South Wales who responded to an opt-in survey between 20 May 2023 and 19 May 2024. Survey results are based on information provided by new customers and have not been independently verified by Youi. Youi has not undertaken a comparison between surveyed customers’ former product and its own. Survey results include customers who bought car insurance products. Premiums and savings are subject to rating and underwriting and individuals’ own circumstances.
* Disclaimer

Need roadside assistance? We’re on our way.

If you run into trouble out on the road, Youi roadside assistance is available to help if you have a Comprehensive car or motorcycle policy. Between 16th November 2020 and 16th November 2022 in NSW, we did 15,960 call-outs, the majority of which were for battery problems.1 Our roadside assistance comes standard with every Comprehensive policy and is just a phone call away.2

 

Car Product Label
Family sitting in a car going on a road trip.

Roadside assistance features automatically included with Comprehensive car and motorcycle cover.2

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

 

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

What features might NSW drivers look for in their car insurance?

If you’re in the market for a new car insurance policy, you may be confused about the many different features on offer and how to find the right level of cover for you.

In NSW, here are some features that could be handy to look out for, as they can have a significant impact on your car insurance premium.

  • Flexible payments
    Need to split up your payments over the year? Easy. With Youi, you can pay for 12 months of car insurance in one lump sum or over 12 monthly instalments. It might cost you a bit extra to pay monthly, but some people go with this option as it works better for their finances.3
  • New car replacement
    Get that new car smell back with Youi’s new car replacement feature. That’s right – if your new car is a total loss within 2 years of it being first registered, we’ll replace it or pay you the replacement cost.4
  • Reduced excess for windscreens
    If cracks and chips appear when you’re out on NSW roads, or around the rest of Australia, you may be able to opt for a reduced excess for claims that solely involve your windscreen, window glass or sunroof glass.5
  • Hire car following an incident
    Not having a car for a while after it’s been stolen, or involved in an accident where you weren’t at fault, can really put a dent in your daily life. That’s why some Youi car insurance policies include a hire car for up to 14 days after some insured events.6

Voted #1 for Most Satisfied Customers for Car Insurance 2023.

Thanks New South Wales.

The cost of Comprehensive car insurance in NSW.

The final cost of your NSW Comprehensive car insurance will be just about as unique as you are. That being said, some key factors can play a role in what you pay for your NSW car insurance policy.

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Youi car insurance FAQs

If you’ve got any questions about car insurance in NSW, you might find the answers here.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

Drivers in New South Wales pay amongst the highest car insurance premiums in Australia, so your car insurance may end up costing more than it would in other states.7

There are several risks on the road for NSW drivers that could affect your insurance.

  • Motor crime – When your insurance premium is being calculated, the likelihood that your car will be stolen is taken into account. NSW currently has the lowest rate of theft in the country, averaging just over 2 thefts for every 1,000 registrations.8
  • Road crashes – NSW tends to have a higher number of road accidents due to the higher population when compared to other states and territories. For example, New South Wales had 245 road fatalities from January 2022 to October 20229 – the highest number of all the states and territories.
  • Weather risks – NSW can be prone to extreme weather events like thunderstorms, floods and hail that can cause damage to vehicles and property. The risk of extreme weather events could affect your NSW insurance, and should be taken into consideration when deciding which type of car insurance you should take out.

You need mandatory Compulsory Third Party (CTP) insurance to be able to drive on NSW roads. This type of car insurance protects you from the financial impact of causing injury or death to others as the result of a motor accident.

From there, you can choose from a range of car insurance options depending on your personal situation. Explore Youi’s Comprehensive insurance, Third Party Fire & Theft insurance, and Third Party Property Only insurance to see which cover might suit your individual needs.

It’s easy to get your Green Slip and Comprehensive car insurance confused. However, they’re actually two totally different things.

Whether you’re driving in Sydney or along Seven Mile Beach, every registered vehicle in NSW must have a ‘Green Slip’ (more formally known as Compulsory Third Party insurance), as it covers an at-fault driver’s liability for costs related to a third party’s injuries or death after a motor vehicle accident.

On the other hand, Comprehensive car insurance is optional but could be an ideal purchase depending on your circumstances. Comprehensive car insurance might be the right level of cover if you want your car to be protected from accidental damage, malicious damage, theft, storms, fires, floods, and more.3

It is illegal to drive without Compulsory Third Party (CTP) insurance in NSW, as this type of insurance provides financial compensation in the event of bodily harm in an accident.

According to the Transport for New South Wales website, in NSW you’ll risk heavy fines for driving a vehicle that’s unregistered and/or uninsured. Maybe not the best idea, right? So if you’re in need of CTP insurance, consider Youi’s cover.

VIEW THE PDS CAR INSURANCE TERMINOLOGY

Guides 

We’ve written a handy collection of resources to help you through life out on New South Wales roads. There’s also info to help you to navigate your car insurance needs simply and quickly.

Youi car insurance is focused on you.

Take a look at the thousands of reviews from everyday Australians just like you who trust Youi to get them back on the road. Start a quote online today. It could save you lots.

Useful links

Looking for something else? You might find what you're looking for here. 

Disclaimers
1 Based on Youi internal data.
2 Available with Comprehensive policies, some limits and fees may apply. For more details, see the T&Cs.
3 For more details, see the PDS.
4 If your car is a total loss from an insured event within 24 months of it being first registered, we’ll replace it with a new one or pay the equivalent replacement cost.
5 An additional cost applies. For more details, see the PDS.
6 Hire car is included for theft and not-at-fault accidents under Comprehensive policies and for theft under Third Party Fire & Theft policies. Hire car for other insured events is an optional cover which incurs additional fees. For more details, see the PDS.
7 Source: www.canstar.com.au. Prepared on 09/08/2022. Based on comprehensive car insurance policies rated in Canstar’s 2022 Car Insurance Star Ratings, canstar.com.au.
8 Source: AUS - Motor vehicle theft summary, 2019/20 to 2020/21, carsafe.com.au.
9 Source: Australian Government, Road Fatalities Australia Monthly Bulletin, October 2022, bitre.gov.au.