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Budget Direct car insurance review

Budget Direct is one of the best-value car insurers on the market but it's not always the cheapest.

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Budget Direct

Budget Direct logo image
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  • 24/7 Claims
  • Lifetime guarantee on repairs
  • Save by restricting younger drivers
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*First year's premium for a new policy. T&Cs apply.

Our verdict

Pros

  • Budget Direct's comprehensive car insurance policy won this year's Finder Award for value because it provides a similar level of cover to other insurers but at a lower price.
  • You get access to its hail alert service, Hail Hero.
  • You can get a 15% discount on your first year's premium for a new policy purchased online.

Cons

  • You may be able to get a cheaper policy elsewhere e.g. Bingle.
  • It's legal liability limit is $20,000,000 while some other insurers, like Australia Post, offer higher limits at $30,000,000.
  • Budget Direct's comprehensive policy covers personal effects up to $500 while other insurers like Youi cover up to $750.

How does Budget Direct compare with other car insurers?

As part of our 2023 car insurance awards, we compared 640 features and got over 1,000 quotes across 30+ comprehensive car insurance policies. Here's how Budget Direct performed next to other insurers.

Features

1 - 6 of 6
Name Product Choice of repairer New car replacement Roadside assistance Hail, storm and flood damage
Budget Direct Comprehensive
Optional
Yes - If your car is written off in the first 2 years and has not travelled more than 40,000km
Optional
Finder's summary: The 2023 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Youi Comprehensive
Optional
Yes - If your car is written off or stolen in the first 2 years
Finder's summary: The 2023 winner of our Best Features Car Insurance award. Plus, it's one of the only insurers to automatically include roadside assistance.

Who it might be good for: Those who want good customer service with lots of inclusions.
Bingle Comprehensive
Optional - If your car is written off in the first 3 years
Finder's summary: Our data shows it’s the cheapest comprehensive policy. It just covers the basics such as damage to your car, theft and storms – it doesn’t go in for add-ons and extras.

Who it might be good for: Those wanting a low-cost, no-frills policy.
Allianz Comprehensive
Yes - If your car is written off or stolen in the first 2 years
Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

Who it might be good for: Anyone who wants good customer service and agreed value cover.
NRMA Comprehensive
Optional
Yes - If your car is written off in the first 2 years
Optional
AAMI Comprehensive Car Insurance
Yes - If your car is written off or stolen in the first 2 years
Optional
Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
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Price

Keep in mind car insurance prices are based on multiple factors such as where you live, your age and the car you drive – so costs may differ for you.
InsurerNSWQLDSATASVICWAAustralia averageApply
Budget Direct Logo$1,280$921$940$861$1,164$857$1,004Get quote
youi$1,418$1,147$946$877$1,467$1,068$1,154Get quote
Bingle car insurance logo$849$788$623$639$1,034$669$767Get quote
NRMA logo$1,972$1,108$1,009$878N/A$1,052$1,204More info
AAMI$1,533$912$874$811$1,054$816$1,000More info

About our car insurance methodology

2023 Customer Satisfaction rating

Each year, our experts and insights team asks Australians to score their car insurance provider. As part of the Car Insurance Customer Satisfaction Awards for 2023, we asked over 5,700 Australians to rate their car insurer on value for money, features and benefits, ease of application and customer service. Of the 15+ insurers scored, these were the top 5. See our methodology for how each provider was scored.
Brand Overall satisfaction rating
Youi car insurance ★★★★★ 4.38/5
Everyday car insurance ★★★★★ 4.36/5
AAMI car insurance ★★★★★ 4.32/5
Budget Direct car insurance ★★★★★ 4.32/5
QBE car insurance ★★★★★ 4.22/5

Compare Budget Direct policies

Name Product Accidental damage Roadside assistance Fire and theft New car replacement Hire car after theft
Budget Direct Comprehensive
Optional
Yes - If your car is written off in the first 2 years and has not travelled more than 40,000km
Yes - Up to $1,000 - Up to 14 days
Finder's summary: The 2023 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: Anyone who wants a good value policy.
Budget Direct Third Party Property, Fire and Theft
Optional
Yes - Up to $1,000 - Up to 14 days
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
Budget Direct Third Party Property Only
Optional
⭐ Current offer: Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.

Who it might be good for: Drivers who only want cover for damage to another person’s vehicle and up to 15% off your first year.
Budget Direct Gold Low Kilometres Comprehensive
Optional
Yes - If your car is written off in the first year or is under 20,000 km
$1,000
Save 15% on your first year's premium when you purchase a new policy online. T&Cs apply.
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Deal

15% online discount on car insurance

Verified 4 days ago
Receive 15% off car insurance when you purchase cover online.

Best Car Insurance - Value Winner and SA Customer Satisfaction Finalist

Budget Direct has been awarded the winner for the 2023 Finder Awards and recognised as a finalist in South Australia for Customer Satisfaction in 2023. What a tremendous effort!

What additional cover options are available?

  • Restricted driver discounts. Receive a discount on your premium by restricting the youngest driver of your car. You can choose to restrict the youngest driver age to either 21, 25, 30, 40 or 50.
  • Roadside assistance. Don't want to be stranded on the side of the road with a flat battery or tyre? You might want to take out roadside assistance cover.
  • Hire car. Get your hire car costs reimbursed if your car is stolen or in an accident.
  • Windscreen excess reduction. Choose to reduce your windscreen excess by adjusting your premium.

Why you can trust Finder's car insurance experts

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Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
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Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

FAQs about Budget Direct car insurance

  1. Budget Direct car insurance PDS (accessed July 2023)
  2. Finder Car Insurance Awards 2023
  3. Finder Car Insurance Customer Satisfaction Awards 2023

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