Is Youi or AAMI car insurance better?

Our research shows that Youi's comprehensive product has more features than AAMI's comprehensive insurance, and in our sample quote Youi was also the cheaper of the two — around $338 less than AAMI for the same profile. If customer service is important to you then Youi has a fantastic track record. It’s best to look closely at each policy and know what features are most important to you so you can decide for yourself which one is better.

Are Youi and AAMI owned by the same company?

No. Youi is underwritten by Youi Pty Ltd, while AAMI is a brand underwritten by AAI Limited (part of the Suncorp Group).

Is Youi or AAMI cheaper?

In our sample quote for a 30-year-old driver in NSW, Youi came out around $338 cheaper than AAMI (Youi $1,417.84 and AAMI $1,756.10). But car insurance is priced on your individual circumstances, your age, location, car and driving history, so the cheaper option for you may differ. That's why it's important to always compare quotes based on your individual circumstances.

Does Youi or AAMI include roadside assistance?

Youi includes roadside assistance automatically with its comprehensive policy. With AAMI, roadside assistance is an optional extra you add to your policy for an additional cost. If roadside cover matters to you, factor that difference into the price comparison.

Can I switch from AAMI to Youi (or vice versa)?

Yes. You can switch car insurers at any time, though it's usually simplest at renewal to avoid any cancellation considerations. Find out whether you'll receive a refund for the unused portion of your current policy, and make sure your new cover starts the moment your old one ends so you're never uninsured.

Do Youi and AAMI offer new car replacement?

Both offer new car replacement if your car is written off or stolen within the first two years (conditions apply). It's worth checking each insurer's current product disclosure statement for the exact eligibility terms, as these can vary by policy and change over time.

Youi vs AAMI Car Insurance

Youi's comprehensive cover automatically includes roadside assistance and offers choice of repairer as an option.
A sample quote indicated Youi was approximately $338 less costly than AAMI for a specific driver profile.
AFCA data for 2025-26 showed Youi had far fewer motor insurance complaints than AAMI’s underwriter AAI, although raw counts don’t account for how many policies each insurer holds.

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.

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	AAMI Comprehensive Car Insurance
Underwriter	Youi Pty Ltd	AAI Limited
Accidental Damage
Damage to other people's car		Up to $20 million
Roadside assistance	Yes	Optional
Agreed or market value	Agreed or Market	Agreed or Market
Choice of repairer
Legal liability	$20,000,000	$20,000,000
Fire and theft
Storm
Flood
Hire car after theft	Limit not disclosed - Up to 21 days	Reasonable costs - Up to 21 days
Hire car after no fault accident	Limit not disclosed	Reasonable Cost
Hire car after at fault accident	Optional Limit not disclosed - Up to 21 days	Optional Up to $90 per day
Emergency repairs	Up to $1,000	Up to $1,000, combined with Emergency Transport & Accommodation and Personal Effects
Emergency travel and accommodation costs	Up to $1,000	Up to $1,000, combined with Essential Emergency Repairs and Personal Effects
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, combined with Essential Emergency Repairs and Emergency Transport & Accommodation
Locks and keys replacement	Up to $1,000
Towing
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.
	Get quote	Get quote

Youi vs AAMI car insurance prices compared

2 of 2 results

Age 30 quote
Youi Comprehensive Finder Award	Sample quote $1,417.84	Get Quote View details Compare product selectionCompare	loading
AAMI Comprehensive Car Insurance	Sample quote $1,756.10	Get Quote View details Compare product selectionCompare	loading

Showing 2 of 2 results

To determine these insurance costs, we sourced comprehensive car insurance quotes for a 30-year-old male driver living in postcode 2011 (NSW). The profile used for these quotes assumes a 2020 Toyota Corolla Ascent Sport Direct Shift CVT with an annual mileage of 15,000km. We selected an excess as close to $850 as possible across all providers to ensure a fair comparison. These quotes were obtained in February 2026.

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 Damage

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) received and resolved in the 2025-26 financial year (1 July 2025 to 30 June 2026). These are raw complaint counts: they don't reflect how many policies each insurer holds, so larger insurers will usually receive more complaints.

Underwriter	Complaints received	Complaints resolved at referral	Referral resolution rate
Youi Pty Ltd	557	221	40.55%
AAI Limited	4131	2182	53.74%

Finder's verdict

Our expert says

"If you want quality customer service, a solid policy and roadside assistance automatically included, consider Youi. If price is the most important thing for you, our sample quote favoured Youi — it came in around $338 cheaper than AAMI. AAMI may still be worth comparing if you want higher limits on specific benefits. Either way, make sure you look at a handful of insurers, compare their cover and see who is priced best for you."

Gary Ross Hunter

Journalist

FAQs

Our research shows that Youi's comprehensive product has more features than AAMI's comprehensive insurance, and in our sample quote Youi was also the cheaper of the two — around $338 less than AAMI for the same profile. If customer service is important to you then Youi has a fantastic track record. It’s best to look closely at each policy and know what features are most important to you so you can decide for yourself which one is better.
In our sample quote for a 30-year-old driver in NSW, Youi came out around $338 cheaper than AAMI (Youi $1,417.84 and AAMI $1,756.10). But car insurance is priced on your individual circumstances, your age, location, car and driving history, so the cheaper option for you may differ. That's why it's important to always compare quotes based on your individual circumstances.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Ceyda Erem

Senior writer

Add to Preferred Sources

Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise

Ceyda has written 244 Finder guides across topics including:

Insurance

More resources on Finder

Ask a question

Click here to cancel reply.

Display name

Your email (will not be published)

Your question

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

2 Responses

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’?

Finder

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.

Regards,
James

More guides on Finder

Cheap car insurance Australia November 2026
Here's a guide to getting affordable car insurance that will still cover the essentials.
High risk car insurance
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
EV insurance
The media always talks about how cheap electric cars are to run, but will you save money when insuring one?
Rideshare and Uber car insurance
Find out what car insurance options are available for rideshare drivers, including Ubers.
Car insurance VIC
We sourced 40+ car insurance providers in Victoria to help you compare costs and find the best car insurance for your needs.
Car Insurance In NSW
Your guide to getting car insurance in NSW.
Compare third party car insurance
This article runs through the ins and outs of choosing a good third party property damage car insurance policy.
Best car insurance Australia November 2026
Explore our analysis and see how you can find the best car insurance for your needs.
Comprehensive car insurance in Australia
Compare cover from a range of car insurance providers and find out some of the things you will be covered for under a comprehensive policy.

Youi vs AAMI car insurance

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

Key takeaways

Youi vs AAMI car insurance — compare key features

Youi Comprehensive

AAMI Comprehensive Car Insurance