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Youi car insurance vs AAMI

A side by side comparison of Youi and AAMI car insurance including expert analysis of pricing, features, complaints and reviews.

Youi and AAMI car insurance are both solid options if you want a comprehensive car insurance policy. AAMI edges it slightly on a few benefits (its limits are slightly higher) but Youi automatically includes roadside assistance. It's the only car insurer to offer this with its comprehensive policy.

Youi vs AAMI car insurance — compare key features

We've compared the comprehensive car insurance policies on offer from Youi car insurance and AAMI car insurance. See further below for other types of car insurance offered by these providers.

Youi Comprehensive image
Youi Comprehensive
AAMI Comprehensive Car Insurance image
AAMI Comprehensive Car Insurance
Underwriter Youi Pty Ltd AAI Limited
Accidental Damage
Damage to other people's car

Bonuses No $50 online discount
Roadside assistance Yes Optional
Agreed or market value Agreed or Market
Agreed or Market
Choice of repairer Optional
Legal liability Yes - $20,000,000 Yes - $20,000,000
Fire and theft
Hire car after theft
Limit not disclosed - Up to 14 days

Reasonable costs - Up to 21 days
Hire car after no fault accident Optional
Limit not disclosed - Up to 14 days

Up to $90 per day
Hire car after at fault accident
Limit not disclosed

Limit not disclosed
Emergency repairs
Up to $1,000

Up to $1,000
Emergency travel and accommodation costs
Up to $1,000

Up to $1,000
New car replacement
If your car is written off or stolen in the first 2 years

If your car is written off or stolen in the first 2 years
Personal effects/property
Up to $750

Up to $1,000
Locks and keys replacement
Up to $1,000

Trailer cover
Up to $1,500

Up to $1,000
Important Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement. Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
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Youi vs AAMI car insurance prices compared

As part of our 2024 Finder car insurance awards, we collected over 1,800 comprehensive quotes from 30 car insurance providers, using a range of driver profiles across different states, ages and genders.

On average, AAMI typically offers cheaper car insurance than Youi. However, it's important to keep in mind that price may not be the only factor in your search for the best car insurance.

Provider NSWQLDSATASVICWAAus average

These quotes are formed based on a fictional driver profile and your own quote will differ based on your personal circumstances. This should be used as a guide only.

About our car insurance methodology

Car insurance policies on offer

Youi offers 3 levels of car insurance cover:

  • Youi Comprehensive
  • Youi Third Party Fire & Theft
  • Youi Third Party Property Damage

AAMI offers 2 levels of car insurance cover:

  • AAMI Comprehensive
  • AAMI Third Party Property Damaege

Customer reviews

Youi won Finder's Customer Satisfaction awards in 2023 and has a really high score on popular online review sites. AAMI came in third place in the awards. We surveyed over 5,700 people in total.

Youi and AAMI car insurance complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Youi and AAMI (AAI) have received and resolved.

UnderwriterComplaints recieved Complaints resolved at registration & referral Referral resolution rate

Finder's verdict

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2 Responses

    Default Gravatar
    PeterNovember 27, 2021

    Most car insurance companies are owned by the same parent company and when one phones them, they appear to be utilising the same platforms (phone response and questions asked).

    How different are they in reality? Do they share data between each other when the person making the inquiry has also made similar inquiries with another one or more of the companies in the ‘group’?

      JamesDecember 1, 2021Finder

      Hi Peter,

      I believe you’re referring to the same underwriters, but with different insurance brands. Is that correct? It’s true that some insurance companies do share the same underwriters.

      If you wish to learn more, it’s best you get in touch with an insurance brand and ask them directly about this, including how they handle customer data.


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