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.
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 |
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 |
Up to $20,000,000 |
Up to $20,000,000 |
| Fire and theft |
|
|
| Storm |
|
|
| Flood | ||
| Hire car after theft |
Limit not disclosed - Up to 14 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 14 days |
Optional Up to $90 per day |
| 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 |
Optional |
| 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. |
Youi vs AAMI car insurance prices compared
As part of our 2025 Finder car insurance awards, our experts and insights team analysed policies from 40 providers across Australia 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 | $2,417 | $1,963 | $1,734 | $1,827 | $2,406 | $2,134 | $2,080 |
| AAMI | $2,261 | $1,468 | $1,317 | $1,349 | $1,772 | $1,713 | $1,647 |
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
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
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, 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."
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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