Bingle is consistently the cheapest comprehensive car insurer in our Finder Awards research. If you're happy to pay a little more for comprehensive coverage, Budget Direct could be a better option.
We've compared the comprehensive car insurance policies on offer from Budget Direct car insurance and Bingle car insurance. See further below for other types of car insurance offered by these providers.
 Budget Direct Comprehensive |
 Bingle Comprehensive |
|
|---|---|---|
| Underwriter | Auto & General Insurance Company Ltd | AAI Limited |
| Accidental Damage | ||
| Damage to other people's car |
|
|
| Bonuses | 15% online discount | No |
| Roadside assistance | Optional | No |
| Agreed or market value |
Agreed or Market |
Market |
| Choice of repairer | Optional | |
| Legal liability | Yes - $20,000,000 | Yes - $20,000,000 |
| Fire and theft | ||
| Storm | ||
| Flood | ||
| Hire car after theft |
Up to $1,000 - Up to 14 days |
Optional Up to $50 per day - Until claim is completed |
| Hire car after no fault accident |
Optional Up to $75 per day - Up to 14 days |
Optional Up to $50 per day - Until claim is completed |
| Hire car after at fault accident |
Up to $75 per day |
Optional Up to $50 per day - Until claim is completed |
| Emergency repairs |
Up to $500 |
Limit not disclosed |
| Emergency travel and accommodation costs |
Up to $1,000 - Up to $200 per day |
Limit not disclosed |
| New car replacement |
If your car is written off in the first 2 years or is under 40,000kms |
Optional If your car is written off in the first 3 years |
| Personal effects/property |
Up to $500 |
|
| Locks and keys replacement |
Up to $1,000 |
|
| Towing | ||
| Trailer cover |
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 | More info |
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, Bingle typically offers cheaper car insurance than Budget Direct. 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 |
|---|---|---|---|---|---|---|---|
| Budget Direct | $1,148 | $941 | $978 | $829 | $1,180 | $880 | $992 |
| Bingle | $935 | $872 | $724 | $726 | $1,156 | $761 | $862 |
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
Budget Direct offers 4 levels of car insurance cover:
Budget Direct has a good rating on popular review sites and scored 4.32/5 in the Finder Customer Satisfaction awards. Bingle has less positive reviews but it also has significantly fewer reviews and couldn't be rated in the Customer Satisfaction awards because of eligibility.
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Budget Direct (Auto & General Insurance) and Bingle (AAI) have received and resolved.
| Underwriter | Complaints received | Complaints resolved at registration & referral | Referral resolution rate |
|---|---|---|---|
| AAI | 2231 | 1370 | 61.43% |
| Auto & General Services Pty Ltd | 1431 | 723 | 50.56% |
Both Budget Direct and Bingle are cheap insurers. However, our research shows Bingle is typically cheaper and only covers the essentials, such as damage to your own car as well as others. It won the Low Cost award in the 2024 awards. Budget Direct won the value award. It gives you a little more for your money.
Gary Ross Hunter
Insurance and innovations editor
Learn the factors that may cause you to be considered a high-risk driver and whether you might be eligible for cover.
What you need to know about getting a multi-policy discount with your car insurance.
Only available in WA, RAC car insurance offers some strong benefits and its premiums are about average for the state.
Your questions about no claim bonuses answered, including whether it's worth paying to protect your bonus, the NCD rating, and what you can claim.
Find out what car insurance options are available for rideshare drivers, including Ubers.
Your guide to car insurance when you've been convicted of drink driving.
Find out what short term car insurance options are available in Australia.
Find affordable and comprehensive car insurance for P-platers with this handy guide.
Compare Australia Post car insurance policies and get the right cover.
Explore our analysis and see how you can find the best car insurance for your needs.
What is the cheapest ctp insurance
Hi David,
It isn’t possible to say as premiums will vary depending on where you live and your driving record (among other factors). You can visit our guide to CTP insurance if you’d like to learn more.
Best wishes,
James