An aerial view of the Great Ocean Road.

Car insurance VIC
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Ah, Victoria, the Garden State. While you’re known for being the nation’s cultural hub and Australia’s most diverse state, Youi’s known for offering Victorians awesome car insurance backed by awesome service. High five to that!

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Victoria, we're
here for you.

From Melbourne to Mildura, Wodonga to Warrnambool, and Bendigo to Bairnsdale, there are plenty of good reasons why so many Victorians choose Youi for their car insurance.

Here at Youi, we enjoy nothing more than getting to know you and how you use your car. Our car insurance options provide you with a range of covers and extras to choose from, so you can feel confident you’re choosing car insurance that suits your situation.

So whether you’re cruising the Great Ocean Road, dropping the kids to school in Geelong or leaving your car at home while you catch the tram into South Yarra, our car insurance has a range of perks that you might find particularly appealing.

For Comprehensive car insurance in Victoria that provides support when you need it most, chat to the team at Youi today.

Choose your cover

In Melbourne, greater Victoria or any other state, finding the right car insurance can often be a slightly bewildering process. That’s why we like to make it crystal clear what is (and isn’t) included in our car insurance policies.

Victorian drivers switched and saved.*

It's true. Around 86% of people in Victoria who switched to Youi told us they saved on their car insurance.*

How much did they save?

An average of $218 per year*

In fact, Victorian customers
told us they saved $2.9 million*

Figures are based on feedback received from 15,741 Youi policy-holders residing in Victoria who responded to an opt-in survey between 27 May 2023 and 26 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 Victoria, we did 14,063 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 silver car broken down on the side of a road.

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 VIC drivers look for in their car insurance?

When it comes to car insurance in Victoria, it can be tricky to know what to look for to find the right level of cover for you.

To make sure you’re getting the most out of your cover and choosing a policy with inclusions that suit your needs, here are some features that might be worth considering.

  • Flexible payments
    We get that balancing the bank accounts can be tough. That’s why, with Youi, you can pay for your 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
    Who doesn’t love a new car? Maybe not so much if it gets written off. 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 your windscreen gets damaged on Victorian roads or on other roads around Australia, don’t stress. You may be able to opt for a reduced excess for claims that solely involve your windscreen, window glass and sunroof glass.5
  • Hire car following an incident
    No one wants their life to grind to a halt after their car’s been stolen or damaged in an accident where they weren’t at fault. That’s why 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 Victoria.

The cost of Comprehensive car insurance in Victoria

The final cost of your Comprehensive car insurance in Victoria is based on your unique circumstances. It’s totally individual, just like you. However, here are a few factors that may affect the cost of your premium.

Ready to compare car insurance?

Youi car insurance FAQs

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


You need Compulsory Third Party (CTP or Transport Accident Charge) insurance to legally drive on Victorian roads. However, in Victoria, CTP is actually bundled into the cost of your car registration. Handy. If you’re looking for comprehensive car insurance in Victoria, Melburnians may end up paying more than people in other Australian capital cities. 7

All Victorian drivers need Compulsory Third Party (CTP or Transport Accident Charge) insurance, which is included in your car’s registration cost.

From there, you can consider the right level of Youi cover for you to protect yourself from damage to other people, cars and property.

Take a look at Youi’s Comprehensive insurance, Third Party Fire & Theft insurance, and Third Party Property Only insurance to consider which policy might suit you best.

Whether your car insurance policy costs more in regional Victoria or inner-city Melbourne will depend on the level of cover you choose and your individual circumstances.

However, in general, car insurance does tend to cost more in densely populated areas as opposed to regional areas.8

Having car insurance in Victoria can lower the out-of-pocket costs you’ll need to pay if you’re ever in an accident. This can be extremely important for safeguarding yourself as much as possible when driving out on the beautiful Victorian roads.

While CTP insurance is mandatory in Victoria, you can also choose different levels of car insurance cover to further protect yourself in the event you get into an accident. Comprehensive car insurance for Victoria is, you guessed it, Youi’s most comprehensive option, featuring protection from accidental damage, theft, fires, storms, earthquakes and floods.9

The cost of car insurance in Victoria typically depends on a huge range of factors, including your level of cover, your age, your car, your driving and insurance history, where you live, and where you park your car.

Start a quote online with Youi today to see how much you could be saving on your car insurance with us.



For information about life out on the road in Victoria, check out the handy guides we’ve put together below.

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: Transport Affordability Index, RACV, May 2021.
8 Source: Crunching the cost of living: Mozo Car Insurance Report 2022, Mozo, October 2022.
9 Further optional covers may be available in addition to the standard inclusions in a Comprehensive policy. For more details, see the PDS.