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Car insurance WA
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Hey, Western Australia! We’re Youi. Nice to meet you. While you’re known for your wildflowers and unspoilt natural wonders, Youi’s known for recognising people as the individuals they are and providing quality car insurance options. So if WA car insurance is on your mind, get in touch with us today.

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Western Australia, we're here for you.

From Perth to the Pilbara, Bunbury to Broome, and Esperance to Exmouth, West Australians appreciate car insurance backed by awesome service. At Youi, that’s what we always aim to provide.

We take the time to really get to know you and how you use your car, so you’re better placed to choose the level of cover that works best for your situation.

We pride ourselves on being there for you when you need us across this vast state, with friendly advisors on the phone and 24/7 claims assistance.

So, whether you’re living in a quiet WA outback town or an area of Perth with a dense urban population, talk to the Youi team today to get your car insurance sorted.

Choose your cover.

With so many options out there, it can be tricky to choose the right level of cover. That’s why we like to make it nice and clear what things are (and aren’t) covered in our different types of policies.

Western Australian drivers switched and saved.*

It's true. Around 76% of people in Western Australia who switched to Youi told us they saved on their car insurance.*

How much did they save?

An average of $178 per year*

In fact, Western Australian customers
told us they saved $374 thousand*

Figures are based on feedback received from 2,765 Youi policy-holders residing in Western Australia who responded to an opt-in survey between 22 Apr 2023 and 20 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, 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 WA, we did 3,477 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
The view of a red dirt road from a car rearview mirror.

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 WA drivers look for in their car insurance?

The type of car insurance Western Australians might end up choosing will depend on the level of cover they’re after as well as their individual circumstances.

In saying that, there are several features that could come in handy over the long term and when travelling on Western Australian roads and beyond – whether it’s through a famed winery or just on your way to work.

  • Flexible payments
    Who doesn’t love a flexible way to pay? With Youi car insurance in Western Australia, 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
    No need to lose hope if your new pride and joy gets written off. If your new car is a total loss within 2 years of it first being registered, we’ll replace it or pay you the replacement cost.4
  • Reduced excess for windscreens
    If your windscreen, window glass or sunroof glass gets damaged on Western Australia’s roads, or elsewhere around the country, no need to hit the panic button. You may be able to choose a reduced excess for claims that solely involve these parts of your car. 5 
  • Hire car following an incident
    No one’s got time for being stuck without a car after it’s been stolen or damaged in an accident where you weren’t at fault. That’s why certain Youi car insurance policies in Western 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 Western Australia.

The cost of Comprehensive car insurance in WA.

The cost of Comprehensive car insurance in WA will depend on your personal circumstances, however there are several factors to consider that can determine how much you might pay.

Ready to compare car insurance?

Youi car insurance FAQs

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


Compulsory Third Party (CTP) insurance is (as the name suggests) compulsory car insurance in Western Australia, as it protects you from the financial impact of causing injury or death to others as the result of a motor accident where you’re at fault.7 You can pay for your CTP car insurance in Western Australia when you register your vehicle with the Department of Transport.

You may also want to consider taking out a Youi Comprehensive car insurance, Third Party Fire & Theft insurance, or Third Party Property Only insurance policy, depending on your individual needs.

Youi Comprehensive car insurance is (unsurprisingly) the most comprehensive level of cover we offer, providing protection from things including accidental damage, theft, fire, and most severe weather events like storms, floods, hail and earthquakes.3

Yes, Compulsory Third Party (CTP) insurance is mandatory in Western Australia and can be paid when you register your vehicle with the Department of Transport.8

This is a complicated question and largely depends on your personal circumstances. However, there are a couple of things you might want to consider that could lower the cost of your car insurance in Perth or wider WA.

  • Restrict the age of the people driving your car. Drivers under the age of 25 may be subject to an additional excess.3
  • Increase your excess. You can reduce your premium by having a higher excess, but this means you’ll pay more when you have to claim.

Insurance is generally all about assessing risk, and different areas of WA come with different levels of risk when it comes to damage, theft, fire, storms, and other insured events. The higher the risk level of the area you live in, the higher your insurance premium will likely be, as the more likely it is that you’ll be affected by an insured event and need to make a claim.

In Western Australia, CTP insurance premiums are included as part of your registration fee whenever you register a vehicle or pay a renewal notice.8 Other types of cover, such as Comprehensive car insurance, Third Party Fire & Theft insurance, and Third Party Property Only insurance are not included with your registration and need to be paid for separately if you choose to purchase any of them.



To help you make the most of driving in Western Australia and explore some of the amazing places it has to offer, take a look at the following guides.

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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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. Limits to this inclusion apply. 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: Insurance Commision of Western Australia – Compulsory Third Party.
8 Source: CTPinsurance.com.au - CTP insurance WA.