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Car insurance SA
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Hey, South Australia! We’re Youi – pleasure to meet you. If you’re on the hunt for a car insurance provider that treats you like a human being (instead of a car-driving robot), you’ve come to the right place.

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South Australia,
we're here for you.

From the mighty Adelaide Oval to Marla, the Barossa to Brighton Beach, and the Nullabor to Normanville, South Australians can be confident they’re going to get quality car insurance and quality service with Youi.

See, here at Youi, we do things differently. Choosing the right type of car insurance is easier with us because we take the time to really listen and get to know you and how you drive. That way, you’re better placed to make a better choice from our car insurance options.

We pride ourselves on being accessible – there for you quickly and easily when you need us on South Australian roads, whether you’re cruising through the Onkaparinga Valley or just heading to work in Glenelg.

For Comprehensive car insurance that suits drivers in South Australia, start a quote online or chat to the friendly Youi team today.

Choose your cover.

Choosing the right car insurance in Adelaide or greater South Australia can be tricky. That’s why we like to make it as clear as a McLaren Vale Chardonnay as to what is (and isn’t) included in our car insurance policies.

South Australian drivers switched and saved.*

It's true. Around 83% of people in South Australia who switched to Youi told us they saved on their car insurance.*

How much did they save?

An average of $190 per year*

In fact, our SA customers told us
they saved $564 thousand*

Figures are based on feedback received from 3,593 Youi policy-holders residing in South Australia who responded to an opt-in survey between 22 Apr 2023 and 21 Apr 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 and have Comprehensive car or motorcycle insurance, Youi roadside assistance is available to help. Between 16th November 2020 and 16th November 2022 in South Australia, we did 3,034 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
A family in a car 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 the T&Cs for more info. 

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

The type of car insurance South Australians look for depends on their individual needs and situation.

However, there are a number of features that never go astray, and can give you added peace of mind if you have an accident or your car is damaged in an insured event like severe weather.

  • Flexible payments
    With Youi car insurance in South Australia, you can pay for 12 months of cover in one lump sum or over 12 monthly installments. 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 your pride and joy gets written off? No need to worry with Youi. If your 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
    Get peace of mind for when chips and cracks appear, with reduced excess for claims that solely involve your windscreen, window glass or sunroof glass.5
  • Hire car following an incident
    Stuck at home with no car after it’s been stolen or involved in an accident where you weren’t at fault? No one’s got time for that. That’s why some Youi car insurance policies in South Australia 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 South Australia.

The cost of Comprehensive car insurance in SA

How much Comprehensive car insurance costs in SA will depend on a number of factors, including the type of car you drive, your age, and whether you have a good driving record.

Youi car insurance FAQs

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


Yes. Compulsory Third Party insurance (CTP) is (as the name suggests) mandatory car insurance in South Australia, as it protects you from the financial impact of causing injury or death to others as the result of a motor accident. Youi offers CTP insurance for South Australia, and you can nominate us as your future SA CTP insurer anytime via EzyReg.

From there, it’s totally up to you. You can also take out Comprehensive car insurance, Third Party Fire & Theft car insurance, or Third Party Property Only car insurance, depending on your individual needs.

Comprehensive car insurance is (you guessed it) the most comprehensive level of cover, offering protection from accidental damage, theft, fire, and severe weather like storms, hail, floods and earthquakes.

Data from the Australian Bureau of Statistics (ABS) shows that, overall, car theft in Australia is rising.

According to the ABS, in 2021, there were 49,742 victims Australia-wide (an increase of 3% from the previous year), with Western Australia, Queensland and New South Wales showing the largest increases. South Australia showed a small decrease in theft; however, car thievery remains a nationwide issue. The most common locations for car theft include driveways, carports, garages and streets.

Congratulations, you’re moving to the state that was awarded Australia’s ‘most liveable’ capital city in 2021!7 After settling into your new home, getting your car insurance and registration sorted should be your next step.

If you’ve moved to South Australia and own a vehicle registered in another state or territory, you must apply for SA registration within three months.

Your CTP insurance is linked to your car, so you won’t need to transfer your insurance because you’re living in a new state. However, it can be a good idea to start thinking about who your next provider will be when you need to renew your CTP insurance in South Australia.

At Youi, we offer flexible excess levels. This means that your excess is variable; it’s up to you to choose the level of excess you’d like on your policy.

Unsure what excess is? Excess is the amount of money you pay out-of-pocket when you make a claim on your car insurance. Whether you’re choosing Comprehensive car insurance or a different type of car insurance in SA, the excess you choose will affect the cost of your car insurance premium. The higher your excess, the less you’ll pay on your premium, but the more you’ll have to pay when you claim.


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.

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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: The Economist Intelligence Unit’s Global Liveability Index for 2021.