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Car insurance QLD
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Ah, Queensland, the Sunshine State. While it’s known for being the nation’s playground, Youi’s known for being a car insurance provider that treats Queenslanders like the unique individuals they are.

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we're here for you.

From Bundaberg to Birdsville, Cairns to Calliope, and Mackay to Mount Isa, Queenslanders are a seriously smart bunch and know they can count on Youi for quality car insurance.

At Youi, it’s our aim to always put you at the centre. We take the time to listen and get to know you and how you drive, so you’re better placed to choose the car insurance that works best for your situation.

We’re here to protect you on Queensland roads, whether you’re doing a long stretch down the Bruce Highway or heading to work through the Brisbane Valley.

For Comprehensive car insurance in Queensland, talk to the Youi team today.

Choose your cover.

Choosing the right kind of car insurance in Brisbane or greater Queensland can be tricky. That’s why we like to make it easier for you to know what’s on offer.

Queensland drivers switched and saved.*

It's true. Around 81% of people in Queensland who switched to Youi told us they saved on their car insurance.*

How much did they save?

An average of $194 per year*

In fact, Queensland customers
told us they saved $2.4 million*

Figures are based on feedback received from 15,674 Youi policy-holders residing in Queensland who responded to an opt-in survey between 17 Jun 2023 and 16 Jun 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 Queensland, we did 25,215 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
White 4wd parked on a beach

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 QLD drivers look for in their car insurance?

When deciding on a new vehicle insurance policy, Queenslanders may be interested in how to get the best value for the inclusions that suit their needs. But what specific features might Queenslanders be on the lookout for?

Take a look at these inclusions that could have a significant impact on your car insurance premium.

  • Flexible payments
    Need to split up your payments over the year? No worries. 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
    How good is having a new car? How bad is it when it’s written off? It’s all good with Youi. 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 driving on those rough Queensland roads, or in other states and territories, leads to chips and cracks in your windscreen, window glass or sunroof glass, don’t stress – you may be able to opt for a reduced excess for claims that solely involve these parts of your car.5
  • Hire car following an incident
    Not being able to drive your car for a while after it’s been stolen or damaged in an accident where you weren’t at fault can really throw out the daily routine. So certain 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 Queensland.

The cost of Comprehensive car insurance in QLD.

Trying to pinpoint the cost of car insurance in Queensland can be tricky because everyone’s situation and insurance needs are different. In saying that, there are a number of factors to consider that can determine how much you pay for your Queensland car insurance policy.

Ready to compare car insurance?

Youi car insurance FAQs

Got questions about car insurance in Queensland? You might find the answers here.


It’s well known that cameras are used on Queensland roads to target offences like using your phone illegally while driving, or drivers and passengers not wearing seatbelts. Along with harsh penalties, this can result in Queensland drivers losing demerit points, and in some cases, their licences if they do the wrong thing.7

If you’ve lost your licence, had it suspended or incurred demerit points, it can be difficult to get car insurance - so make sure you’re doing the right thing on the road, especially in Queensland!

To start off, you’ll need mandatory Compulsory Third Party (CTP) insurance,8 which 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 Youi’s car insurance options depending on your individual needs. Explore Youi’s Comprehensive insurance, Third Party Fire & Theft insurance, and Third Party Property Only insurance to see which might suit you best.

First of all, welcome to the Sunshine State! To get settled in your new home, you’ll need to make sure your car’s registration has been transferred from your previous address to your new one in Queensland within 14 days. To do this, you’ll need to provide a current Queensland safety certificate9 to a transport and motoring customer service centre.

Then, you should consider whether moving to Queensland has changed what you’re looking for in a car insurance policy. For quality cover in Queensland, consider Youi’s Comprehensive car insurance to protect your car from theft, accidental damage, storm, hail, floods and much more.3



To help you navigate life on the roads in beautiful Queensland, we’ve written the following articles. Happy reading!

Useful links

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

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 under Comprehensive or Third Party Fire & Theft policies which incurs additional fees. For more details, see the PDS.
7 Source: Queensland Government, Enforcement of road and traffic laws.
8 Source: Motor Accident Insurance Commision, About CTP insurance.
9 Source: Queensland Government, Safety certificates.