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.
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
NSW
QLD
SA
TAS
VIC
WA
Aus average
Youi
$1,640
$1,307
$1,087
$1,155
$1,599
$1,363
$1,359
AAMI
$1,884
$1,106
$1,015
$985
$1,318
$1,002
$1,218
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.
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 has always looked after us, really fantastic service always.
Youi user, SA
Great value and friendly staff.
Youi user, VIC
Really good to deal with on phone.
Youi user, VIC
Easy to use app, low premiums, easy to understand policies.
AAMI user, WA
Competitive pricing good service via the phone.
AAMI user, WA
Good value for money and friendly, helpful customer service.
AAMI user, SA
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.
Underwriter
Complaints recieved
Complaints resolved at registration & referral
Referral resolution rate
Youi
208
80
38.46%
AAI
2231
1370
61.43%
Finder's verdict
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, or there are certain features you want high limits for, AAMI might be a safer bet. 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 is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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’?
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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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’?
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