Youi vs Allianz vs Bingle vs ROLLiN' Car Insurance Australia 2026

A$3,293. That is what the average Victorian driver now pays a year for comprehensive car insurance, according to Canstar's 2026 Car Insurance Star Ratings published on 8 June 2026, and the national average sits at A$2,460, up A$111 in twelve months. Premiums rose 42 percent between 2019 and 2024 and another 8 percent in the year to July 2025 on Australian Bureau of Statistics CPI data cited by ASIC, and in the March 2026 quarter the domestic motor class posted its best-ever underwriting result of A$472 million in APRA's quarterly statistics. Drivers are paying more, insurers are earning more, and ASIC's August 2026 review found not one of the eight brands it examined explained how the premium was calculated in the quote or renewal documents.

So this piece does the explaining for four brands that sit at very different points on the price-and-inclusions curve: Youi, Allianz, Bingle and ROLLiN'. One is a full-service insurer that prices on a detailed personal profile, one is a global insurer that now sells two tiers of comprehensive, one is an online-only budget brand from the Suncorp stable, and one is a rolling monthly subscription from the IAG stable. By the end you will know which one fits a single inner-city renter, a two-car family of four, a low-kilometre retiree and a driver under 25, and what each of them quietly leaves out.

Youi vs Allianz vs Bingle vs ROLLiN' at a glance

The persona for the table is a 34-year-old with a clean five-year record, driving a 2021 Mazda CX-5 parked off-street in Parramatta, choosing a mid-range standard excess. Canstar's 2026 New South Wales market average of A$2,792 is the yardstick; the brands are positioned relative to it rather than quoted, because every insurer prices on your own profile and any specific figure here would be invented.

	Youi	Allianz (Comprehensive)	Allianz (Comprehensive Essentials)	Bingle	ROLLiN'
Issued by	Youi Pty Ltd (OUTsurance group)	Allianz Australia Insurance Limited	Allianz Australia Insurance Limited	AAI Limited (Suncorp group, same insurer as AAMI)	Insurance Australia Limited (IAG, same insurer as NRMA)
Where it sits on price vs NSW average of A$2,792 (Canstar, June 2026)	Mid, with the widest swing by profile	Mid to upper	Below full Comprehensive	Typically lowest of the four	Low, recalculated monthly
Roadside assistance	Included 24/7	Available as Allianz Roadside Assistance	Not part of the essentials set	Not a published inclusion	Not covered (CHOICE)
New car replacement	Total loss within 24 months of first registration	Included	Removed	Not published on public pages, check PDS	Total loss, no time limit, under 15,000 km (CHOICE)
Hire car after theft	Up to 21 days	Policy option	Policy option	Check PDS	Up to A$80 a day for 21 days (CHOICE)
Choice of repairer	Nominate, subject to terms	Option included	Allianz-allocated repairer	Suncorp network, managed online	Insurer chooses (CHOICE)
Personal belongings	Policy terms	Up to A$1,000	Removed	Check PDS	Not covered (CHOICE)
Agreed or market value	Both offered	Both offered	Market value only	Check PDS	Policy terms
Young or inexperienced driver excess	Applies	Applies	Applies	Applies	None (CHOICE)
Unlisted driver excess	Applies	Applies	Applies	Applies	Extra A$3,000 (CHOICE)
Billing	Annual or monthly	Annual or monthly	Annual or monthly	Annual or monthly, online	Monthly only, no extra cost
Exit fee	Pro-rata refund, fee may apply	Pro-rata refund, fee may apply	Pro-rata refund, fee may apply	Pro-rata refund, fee may apply	None, cancel any time
The catch	Premium can jump at renewal if your profile changes	Pay for inclusions you may not use	Market value and allocated repairer	You do everything online, including claims	Premium moves month to month, no roadside, no personal effects

Sources for the table: the Youi comprehensive page, Allianz's 24 March 2026 Comprehensive Essentials media release, Bingle's public site, and CHOICE's review of the ROLLiN' Comprehensive PDS, all read in September 2026.

What each brand actually is

Youi

Youi Pty Ltd is a wholly owned subsidiary of Youi Holdings, itself a subsidiary of South Africa's OUTsurance International, and it is one of the five insurers named in ASIC's August 2026 review. Youi's whole pitch is profile-based pricing: the quote asks about kilometres, parking, commuting and usage in far more detail than most rivals, and it rewards low-risk answers. The standard comprehensive policy is the fullest of the four. According to Youi's own comprehensive page (September 2026), it includes 24/7 roadside assist covering towing, emergency fuel, flat batteries, bogged vehicles, taxis and lost keys, new car replacement if the car is a total loss within 24 months of first registration, a compact hire car after a not-at-fault accident until the car is repaired or paid out, a hire car for up to 21 days after theft, and a choice between agreed value and market value. Optional extras include a reduced windscreen excess and hire car cover for at-fault events.

The catch with Youi is the flip side of its strength. Because it prices on your profile, a change in that profile at renewal, such as a move to a street-parked apartment or a new listed driver, can produce a larger renewal jump than a brand that prices on broad buckets.

Allianz

Allianz Australia Insurance Limited is the local arm of the German group and, alongside AAI, IAG, RAC and Youi, one of the five insurers ASIC examined in 2026. Since 24 March 2026 Allianz has sold two comprehensive tiers. Full Comprehensive includes a choice of repairer option, personal belongings up to A$1,000, child seat cover up to A$650 and a new car replacement benefit. Comprehensive Essentials, per the Allianz media release, strips those four out and uses an Allianz-allocated repairer with market value cover, in exchange for a lower premium on the same excess. Allianz pitches Essentials at owners of second-hand cars who want the core cover for collision, fire, theft, malicious damage and weather events without paying for extras.

The catch is that Allianz is a traditional insurer with a traditional age excess structure, so for a young driver the premium plus the stacked excesses can make it one of the dearer options in this four-way.

Bingle

Bingle is a brand of AAI Limited (ABN 48 005 297 807), the Suncorp Group insurer that also trades as AAMI, Suncorp Insurance, GIO, Apia and Shannons. Everything about Bingle is built to cost less to run: there is no phone sales channel, quotes and policy changes are self-service, and claims are lodged through what Bingle describes as a 24/7 online, digital process. It offers comprehensive and third party property cover, and it won Canstar's 2025 Outstanding Value award for comprehensive car insurance. Bingle's public pages describe comprehensive cover as accidental loss or damage to your car plus damage your car causes to other people's cars or property, and leave the finer inclusions, hire car, repair guarantee and valuation method to the PDS.

The catch is obvious but worth saying: when something goes wrong at 11pm on a wet highway, you are dealing with an app and a web form, and you are not getting roadside assist bundled in.

ROLLiN'

ROLLiN' Insurance is issued by Insurance Australia Limited, the IAG company that also stands behind NRMA Insurance, RACV in Victoria and the Coles-branded policies. It began life in 2019 as Poncho, a flexible policy built on the Socotra platform, and was rebranded as ROLLiN' to target younger drivers. The model is a rolling monthly policy: you pay month to month at no extra cost, the premium is recalculated and renewed each month, and you can cancel at any time without a fee. CHOICE's review of the PDS lists what you get and what you do not. In: hail, storm and flood damage, new vehicle replacement on total loss with no time limit as long as the car has done fewer than 15,000 kilometres, and a hire car or transport costs up to A$80 a day for up to 21 days after theft or a not-at-fault incident. Out: roadside assistance, personal effects, and choice of repairer. There are no age or experience excesses, but an unlisted driver attracts an extra A$3,000 excess.

The catch is that a premium recalculated monthly can drift upward without the clear annual moment to shop around, and the exclusions are real: a flat battery or a laptop stolen from the back seat is on you.

Which of the four is cheapest for a single renter in the inner city?

Take a 29-year-old renting in Brunswick, Melbourne, driving a 2018 Hyundai i30 that lives on the street, commuting by tram and using the car on weekends. Victoria is the most expensive state in Canstar's 2026 data at A$3,293, partly because of the state's car theft rate, and street parking in a dense suburb pushes the theft and malicious damage risk up for every insurer.

Bingle and ROLLiN' will usually produce the lowest headline numbers here because both are lean on inclusions and both price aggressively for a plain car. ROLLiN' has an edge if the driver is under 25 because of the absence of an age excess, and a further edge if the driver's life is in flux (a lease ending, a possible move interstate), because a monthly policy with no cancellation fee is cheap to exit. Youi can surprise on this profile if the weekend-only usage and low annual kilometres are entered honestly, because Youi's quote model rewards low mileage more than most. Allianz Comprehensive Essentials is the one to quote if the renter wants a big-brand claims experience at a lower price than full Comprehensive, accepting an allocated repairer on a car that does not need a specialist.

What matters more than the brand for this persona is the excess. A single renter with a modest emergency fund should set the voluntary excess at the most they could pay next week without borrowing, and compare all four at that identical excess.

Which is best for a family of four with two cars?

Now a couple in their early forties in Carindale, Brisbane, with a 2022 Mazda CX-5 and a 2019 Toyota Corolla, two children in car seats, both cars garaged, 15,000 kilometres a year on the SUV and 8,000 on the Corolla. Queensland's 2026 average is A$2,169, well under the national figure.

This family is buying two things a budget brand does not sell: inclusions and time. Child seat cover (Allianz full Comprehensive includes up to A$650), personal belongings cover, a hire car after an accident so the school run does not stop, and the ability to phone someone. Youi is the natural fit because roadside assist, the 21-day theft hire car and new car replacement on the newer CX-5 all come as standard, and a two-car household on one policy with the same listed drivers is exactly the profile Youi's model likes. Allianz full Comprehensive is the direct rival with a choice of repairer, which matters if the CX-5 is under a manufacturer warranty and the family wants the dealer's panel shop. Bingle is a sensible choice for the older Corolla alone: a garaged, low-value car that would be written off at market value anyway is the ideal candidate for a stripped policy. ROLLiN' is the least natural fit for this household because the missing roadside assist and personal effects cover are precisely the things a family car accumulates.

The multi-car question is worth a direct ask. Youi, Allianz and Bingle all quote multi-policy pricing differently, and the discount for bundling home contents with car cover often outweighs the difference between the two cheapest car quotes.

Which is cheapest for a retiree driving under 5,000 km a year?

A 68-year-old in Glenelg, Adelaide, with a 2016 Toyota Camry in a locked garage, driving to the shops, the golf course and a grandchild's school, well under 5,000 kilometres a year. South Australia's 2026 average is A$2,145.

This is Youi's profile. Its quote model prices per driver on usage, and a garaged, low-kilometre, long claim-free record is the combination it rewards most, with roadside assist thrown in at a time of life when a flat battery in a shopping centre carpark matters. Bingle will often undercut Youi on the headline number for the same car, and for a retiree comfortable with a fully online claims process that is a legitimate choice, but a 2016 Camry is still worth enough that a hire car and a repair guarantee have value. ROLLiN' is less compelling here: the no-age-excess feature means nothing to a 68-year-old, and the missing roadside assist costs more to replace separately than it saves. Allianz Comprehensive Essentials is the quiet contender: market value on a ten-year-old Camry is what the car would be paid out at anyway, and an allocated repairer is no loss on a mainstream Toyota.

One more lever for this persona: a retiree can usually afford a higher voluntary excess and a lower premium, because the claim frequency on 5,000 kilometres a year is very low. Nominating only the retiree and their spouse as listed drivers, and nobody else, also removes an unlisted-driver risk that ROLLiN' in particular prices at an extra A$3,000 excess.

What actually moves the bill

Across all four brands, the premium is driven by the same handful of inputs, in roughly this order of weight.

The car. Market value, theft popularity, repair cost and parts availability. A Tesla Model Y costs more to insure than a Corolla of the same price because the repair process is specialised and the parts are dearer; Suncorp, IAG and QBE executives all cited repair-cost inflation and natural disaster losses as the main premium drivers in their 2026 reporting, and the Insurance Council of Australia has put the rise in motor claims costs at 47 percent since 2020.

The address. Theft and hail risk by postcode, which is why Victoria tops Canstar's table and why a garaged car in Adelaide prices below a street-parked one in Melbourne.

The drivers. Age, licence history and claims history, with under-25s carrying both a premium loading and, at every brand here except ROLLiN', an age excess on top of the standard excess.

The excess. The single lever you control. Raising the voluntary excess from the minimum to the maximum offered can move the premium by a double-digit percentage at most insurers.

Usage. Annual kilometres and whether the car is used for work. Youi prices this most finely; the others bucket it.

How you pay. ASIC found instalment plans cost 10 to 20 percent more than paying annually at the insurers it reviewed, and consumers were not told. ROLLiN' is the exception because monthly is its native billing with no loading.

Renewal inertia. Canstar's 2026 research found a driver on the average A$2,460 premium could save A$651 in a year by switching to a top-rated policy, and up to 26 percent in some states. ASIC's finding that renewal documents give only generic reasons for increases is why that saving persists: most people never see the gap.

Is a monthly rolling policy really cheaper than an annual one?

On the headline, ROLLiN' is competitive. Finder's January 2026 review scores it 8.7 out of 10 and describes it as cost-effective for 20-year-olds, and its no-cancellation-fee monthly structure means you only ever pay for the months you hold the car. The hidden cost is that the premium is recalculated monthly with no fixed annual price, so the figure you were quoted in March may not be the figure you pay in September, and you do not get the single renewal notice that prompts most people to shop around. For a driver who treats insurance like a subscription and checks the app each month, that is fine. For a set-and-forget household it is a slow leak.

An annual policy at Youi, Allianz or Bingle gives you a locked price for twelve months and a clear moment to compare, but only if you pay annually. Take the instalment option and the 10 to 20 percent loading ASIC identified wipes out most of the difference between the cheapest and the dearest quote on this page.

When should you switch, and how?

Switch in the three to four weeks before renewal, with the renewal notice in one hand and three like-for-like quotes in the other. Match the car, address, listed drivers, excess, agreed or market value and annual kilometres exactly, because a cheaper quote with a higher excess is not a cheaper policy. If you are mid-term and find a better deal, you can cancel and receive a pro-rata refund of the unused premium at any of the four, with ROLLiN' the only one guaranteeing no cancellation fee. If you have a claim open, wait until it is settled before moving.

Also check the complaints side. The Australian Financial Complaints Authority publishes complaint data by insurer, and ASIC noted separate court action against RACQ Insurance in 2026 over more than 475,000 allegedly misleading renewal documents. A cheap premium from a brand that fights claims is not cheap.

Verdict by buyer type

Single inner-city renter, under 30, plain car on the street: ROLLiN' if under 25 or likely to move; Bingle if comfortable with a fully online claim; Youi if annual kilometres are genuinely low.

Family of four, two cars, one newer SUV: Youi for the newer car (roadside, hire car and new car replacement as standard), Bingle or Allianz Comprehensive Essentials for the older second car. Quote Allianz full Comprehensive if choice of repairer matters on a car under warranty.

Retiree, garaged, under 5,000 km: Youi, with the highest voluntary excess you are comfortable with. Allianz Comprehensive Essentials as the cross-check on an older mainstream car.

Driver under 25 on the family car as a listed driver: ROLLiN' removes the age excess; otherwise Youi, and never leave a young driver unlisted on any policy.

New car bought this year: Youi (24 months new-for-old) or Allianz full Comprehensive; ROLLiN' if the car will stay under 15,000 km for a while. Not Comprehensive Essentials, which pays market value.

Electric vehicle or late-model European car: Allianz full Comprehensive or Youi for choice of repairer.

Where cashback fits

Cashback on insurance works the same way as cashback on a pair of shoes, with a longer wait. You open the ShopBack app or the Cashback Buddy browser extension, click through to the insurer from its ShopBack merchant page, complete the quote and purchase in that same session, and ShopBack tracks the sale. For insurance the cashback is calculated on the premium you pay and is confirmed only once the insurer reports the policy as in force, which typically takes several weeks and sometimes runs to the end of a cooling-off period.

Of the four brands here, Youi is a ShopBack Australia merchant as of September 2026, so a new Youi policy taken out via ShopBack earns cashback via ShopBack at whatever rate is published on the Youi merchant page at the time. Allianz, Bingle and ROLLiN' are not ShopBack merchants, which is why they are discussed editorially only. Cashback never changes the premium or the policy terms; it is a rebate paid after the fact, and it is a tiebreaker between two quotes that are already close, not a reason to pick a policy that leaves out the cover you need.

FAQ

What is the difference between Youi, Allianz, Bingle and ROLLiN' if they are all comprehensive?

The word comprehensive only tells you the policy covers damage to your own car as well as damage you cause to others. Everything else varies. Youi (Youi Pty Ltd, part of the OUTsurance group) builds the fullest standard policy of the four, with 24/7 roadside assist, new car replacement within 24 months of first registration, and a hire car after theft for up to 21 days included. Allianz (Allianz Australia Insurance Limited) sells two tiers: full Comprehensive with choice of repairer, up to A$1,000 personal belongings and new car replacement, and the stripped Comprehensive Essentials launched 24 March 2026 with an allocated repairer and market value only. Bingle (issued by AAI Limited, the Suncorp company behind AAMI) is online only with self-service claims and a lean inclusions list. ROLLiN' (issued by Insurance Australia Limited, the IAG company behind NRMA) is a rolling monthly policy with no cancellation fee, no roadside assistance, no personal effects cover and no choice of repairer, per the CHOICE review of its PDS.

How much does comprehensive car insurance cost in Australia in 2026?

Canstar's 2026 Car Insurance Star Ratings, published 8 June 2026 and built on more than 56,000 quotes, put the national average comprehensive premium at A$2,460 a year, up 5 percent or A$111 on the previous year. By state: Victoria A$3,293, New South Wales A$2,792, Northern Territory A$2,577, Western Australia A$2,208, Queensland A$2,169, South Australia A$2,145 and Tasmania A$2,014. Those are market averages across all driver profiles, so a 45-year-old with a clean record in a Corolla will sit well under them and a 21-year-old in a modified hatch will sit well over.

How does the excess work and why does it matter more than the premium?

The excess is the amount you pay toward each claim before the insurer pays the rest. A higher voluntary excess lowers the premium, and a lower excess raises it. On top of the standard excess, most policies add extra excesses for young drivers, inexperienced drivers and drivers not listed on the policy. ROLLiN' is the outlier: CHOICE confirms it has no age or experience excess at all, but applies an extra A$3,000 if an unlisted driver is at the wheel. Youi and Allianz let you pick from a range of standard excess levels at quote time. The practical rule: set your excess at the largest amount you could pay tomorrow without borrowing, then compare premiums at that same excess across all four brands.

Is Bingle cheaper than Youi for a single driver in Sydney?

Usually on the headline premium, yes, because Bingle is an online-only brand with a self-service claims process and fewer inclusions, and it has been recognised by Canstar for Outstanding Value in comprehensive car insurance (2025 award). Youi prices each quote on an unusually detailed profile, so a low-kilometre driver who parks off-street and has a long claim-free record can come out close to Bingle while keeping roadside assist and a hire car after theft. The right test is a like-for-like quote on the same car, same address, same excess and the same listed drivers, then weighing what each of the four leaves out.

Is ROLLiN' cheaper than Allianz for a driver under 25?

For many under-25s, yes, and the reason is structural rather than a discount. ROLLiN' has no age or experience excess, so a 22-year-old pays the same standard excess as a 45-year-old on a claim. Allianz, like most traditional insurers, applies an additional age excess on top of the standard excess for young drivers. Finder's January 2026 review rates ROLLiN' as cost-effective for 20-year-olds for exactly this reason. The trade-off is that ROLLiN' recalculates the premium every month, excludes roadside assistance and personal effects, and gives the insurer the choice of repairer.

When is the best time to switch car insurers in Australia?

About three to four weeks before your renewal date, when the renewal notice lands and you can see the new premium next to last year's. ASIC's August 2026 review (26-189MR) found that none of the eight brands it examined explained how the premium was calculated in the renewal document, so the renewal notice is a prompt, not an explanation. Get quotes from at least three other insurers on identical settings, then either switch on the renewal date or phone your current insurer with the competing quote. Switching mid-term is also fine: you receive a pro-rata refund of the unused premium, although some insurers deduct a cancellation fee. ROLLiN' charges no cancellation fee because the policy renews monthly.

When does paying monthly cost more than paying annually?

With most insurers, from the first instalment. ASIC's August 2026 review found consumers were not told that paying by instalments cost 10 to 20 percent more than paying the annual premium upfront. Of the four brands here, ROLLiN' is built around monthly billing at no extra cost, which is why its monthly figure is the real price. For Youi, Allianz and Bingle, compare the annual figure on the quote screen with twelve times the monthly figure before you choose the instalment option. If you need to spread the cost, a fee-free bank account buffer or a 0 percent purchase window on an existing card is often cheaper than the instalment loading.

Can I get cashback via ShopBack on car insurance?

Yes, for insurers that are ShopBack merchants in Australia. Youi is listed on ShopBack Australia, so a new policy taken out after clicking through from the ShopBack app or the Cashback Buddy browser extension can earn cashback via ShopBack at the rate published on the Youi merchant page at the time. Allianz, Bingle and ROLLiN' are not ShopBack merchants as of September 2026, so this article discusses them editorially only. Cashback is calculated on the premium you pay and is credited once the insurer confirms the policy is in force, which can take several weeks for insurance products.

Does a car insurer have to accept my choice of repairer?

No. Choice of repairer is a policy feature, not a legal right. Allianz full Comprehensive includes a choice of repairer option, while Allianz Comprehensive Essentials uses an Allianz-allocated repairer. CHOICE confirms ROLLiN' gives the insurer the choice of repairer. Bingle, as an AAI Limited brand, uses the Suncorp group's repair network and manages the process online. Youi lets you nominate a repairer on comprehensive cover, subject to policy terms. If you drive a late-model European car or an electric vehicle with a brand-specific repair process, choice of repairer is worth paying for; on a ten-year-old Corolla it rarely is.

What happens with Bingle or ROLLiN' if my car is written off two months after I bought it new?

This is the edge case where the four brands diverge most. Youi replaces the car with a new one if it is a total loss within 24 months of first registration. Allianz full Comprehensive includes a new car replacement benefit; Comprehensive Essentials removes it and pays market value. ROLLiN', per CHOICE, replaces the car on total loss with no time limit as long as it has done fewer than 15,000 kilometres, which is unusually generous for a budget brand. Bingle's public pages describe cover for accidental loss or damage and third-party damage without a published new-for-old promise, so read the Bingle PDS before insuring a brand-new car with it. If you have just bought new, that single clause can be worth more than the entire premium difference.

Key takeaways

Comprehensive is a floor, not a description, and the four brands here build very different policies on top of it. Youi is the full-service pick that rewards low-risk profiles with roadside assist and new car replacement as standard. Allianz now offers a real two-tier choice, and the Essentials tier is a fair trade for an older mainstream car. Bingle is the cheapest way to get the Suncorp group's balance sheet behind a plain car if you are happy to claim online. ROLLiN' is the only one with no age excess and no exit fee, at the cost of roadside assist and a premium that moves monthly. Whatever you pick, pay annually if you can, set the excess deliberately, list every driver, and re-quote all four three weeks before renewal every single year. On Canstar's 2026 numbers that habit is worth around A$651 a year to the average driver, before any cashback via ShopBack on a Youi policy is added on top.