Youi car insurance review

Expect great customer service, competitive cover limits and the chance to add several features onto your policy with Youi car insurance.

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James Martin's headshot
Peta Taylor's headshot

By

James Martin

&

Peta Taylor

Edited by

Jason Loewenthal

Updated

Fact checked

Pros

  • Youi's comprehensive policy automatically includes roadside assistance. This is typically an optional extra for other car insurers, costing an additional $100 annually.
  • Our research found that Australians rated it as the best insurer for customer satisfaction. This was based on things like customer service, features and benefits, ease of application and value for money.

Cons

  • You'll have to speak with someone over the phone to buy a policy whereas other insurers offer an all online quoting and application portal.
  • Youi only covers the first 2 call-outs in a year, whereas standalone roadside assistance policies typically cover all call-outs.
  • There are currently no sign-up discounts. Other insurers offer up to 15% off for new policies/customers.

Customer Satisfaction rating

Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2025, we asked Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the insurers scored, these were the top 3. See our methodology for how each provider was scored.
Brand Overall satisfaction rating
Youi car insurance ★★★★★ 4.44/5
Budget Direct Logo ★★★★★ 4.30/5
AAMI car insurance ★★★★★ 4.19/5

"Staff are always incredibly helpful and pricing is reasonable."

Anon, QLD
Youi customer

"Youi has saved me $70 a month on my insurance, thanks Youi!"

Anon, VIC
Youi customer

"Youi has always looked after us, really fantastic service always."

Anon, SA
Youi customer

Compare Youi policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
9.2 Excellent
  • If your car is written off or stolen in the first 2 years
  • Limit not disclosed - Up to 21 days
    • Summary: A great value policy with exceptional customer service. It also automatically includes roadside assistance with comprehensive policies in its price - a feature that typically costs upwards of $90 per year.
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    Youi logo
    9.5 Excellent
    Youi Third Party Fire and Theft
    9.5 Excellent
  • Limit not disclosed - Up to 21 days
    • Up to $20 million legal liability cover and 24/7 lodgement team.
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    Youi logo
    8.1 Great
    Youi Third Party Property Damage
    8.1 Great
    • Covered up to $5,000 after excess for accidental damage to your car caused by an uninsured third party.

    Who it might be good for: Drivers who want a reliable insurer. It received 3 National Customer Satisfaction Awards in 2026.
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    Finder Awards badge

    Youi is a Finder Awards winner!

    The Youi Comprehensive won Best Features Car Insurance in the 2026 Finder Awards.

    Full list of 2026 winners

    Dougal Warby's headshot

    "We've all seen the TV ads for Youi. A few years back I wanted to see if they'd put their money where their mouth was. Since being a Youi member I've enjoyed discounted fees each year, beating competitors without even asking for the quotes I had sourced. They've gone above and beyond for me in terms of value."

    Dougal Warby
    Publisher

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    What additional cover options are available?

    • Hire car for other insured events
    • Business items
    • Campervan/motorhome contents

    FAQs

    Jason Loewenthal's headshot
    To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
    James Martin's headshot
    Written by

    Journalist
    Add to Preferred Sources

    James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

    James's expertise
    James has written 167 Finder guides across topics including:
    • Car, home, life, health, travel and pet insurance
    • Managing the cost of living
    • Money-saving tips
    Peta Taylor's headshot
    Co-written by

    Publisher of Insurance

    Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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    8 Responses

      Michele Bott's avatar
      MicheleOctober 6, 2026

      Does Youi let you choose your own repairer

        Angus Kidman's headshotFinder
        AngusOctober 7, 2026Finder

        On a standard policy, Youi will pick from its own list of authorised repairers. Some policies have an option to let you choose your own repairer, depending on the options you select.

      Frank's avatar
      FrankSeptember 20, 2019

      Is windscreen replacement covered by car comprehensive insurance?

        Jeni's avatarFinder
        JeniSeptember 22, 2019Finder

        Hi Frank,

        Thank you for getting in touch with Finder.

        Youi’s comprehensive car insurance covers loss or damage to the car for insured events as well as your liability for any damage caused by the car to a third party’s property. Kindly contact them directly regarding your windscreen replacement as they do not offer free windscreen replacement but you may choose a reduced windscreen excess.

        I hope this helps.

        Thank you and have a wonderful day!

        Cheers,
        Jeni

      Jeff's avatar
      JeffMay 9, 2018

      What cheapest price you have for car insurance

        Nikki Angco's avatar
        NikkiMay 9, 2018

        Hi Jeff,

        Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

        While we can provide you with general information, please note that we’re a product comparison website and we do not represent any company we feature on our site. We don’t have any access to the quotes/fees of car insurance. We’re here to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.

        You may contact the insurance provider to give you the cheapest price. :)

        Hope this clarifies! Feel free to message us should you have any questions.

        Thanks,
        Nikki

      DAMIEN's avatar
      DAMIENNovember 17, 2016

      How much for comprehensive car insurance + windshield replacement

        Richard Laycock's headshotFinder
        RichardNovember 17, 2016Finder

        Hi Damien,

        Thanks for getting in touch. finder.com.au is a comparison service and we do not currently provide quotes for car insurance. If you would like to get a quote from Youi, you can do so by selecting the “Get Quote” button found on this page. You should then be redirected to their official website, where you can get a quote.

        All the best,
        Richard

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