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Youi vs Budget Direct car insurance

A side by side comparison of Youi and Budget Direct car insurance including expert analysis of pricing, features, complaints and reviews.

Youi and Budget Direct offer relatively similar levels of comprehensive car insurance. If you're looking for a slightly cheaper option, Budget Direct usually edges it, according to our awards research. For award winning customer service though, Youi is a very safe bet. Aside from this, there's a few other reasons that you might consider one over the other.

Youi vs Budget Direct car insurance — compare key features

We've compared the comprehensive car insurance policies on offer from Youi car insurance and Budget Direct car insurance. See further below for other types of car insurance offered by these providers.

Youi Comprehensive image
Youi Comprehensive
Budget Direct Comprehensive image
Budget Direct Comprehensive
Underwriter Youi Pty Ltd Auto & General Insurance Company Ltd
Accidental Damage
Damage to other people's car

Bonuses No 15% online discount
Roadside assistance Yes Optional
Agreed or market value Agreed or Market
Agreed or Market
Choice of repairer Optional Optional
Legal liability Yes - $20,000,000 Yes - $20,000,000
Fire and theft
Storm
Flood
Hire car after theft
Limit not disclosed - Up to 14 days

Up to $1,000 - Up to 14 days
Hire car after no fault accident Optional
Limit not disclosed - Up to 14 days
Optional
Up to $75 per day - Up to 14 days
Hire car after at fault accident
Limit not disclosed

Up to $75 per day
Emergency repairs
Up to $1,000

Up to $500
Emergency travel and accommodation costs
Up to $1,000

Up to $1,000 - Up to $200 per day
New car replacement
If your car is written off or stolen in the first 2 years

If your car is written off in the first 2 years or 40,000 km
Personal effects/property
Up to $750

Up to $500
Locks and keys replacement
Up to $1,000

Up to $1,000
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.
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Youi vs Budget Direct car insurance prices compared

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, Budget Direct 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.

ProviderNSWQLDSATASVICWAAus average
Youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359
Budget Direct $1,148$941$978$829$1,180$880$992

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

Budget Direct offers 4 levels of car insurance cover:

  • Budget Direct Gold Comprehensive
  • Budget Direct Gold Comprehensive Low Kilometres
  • Budget Direct Third Party Property Fire & Theft
  • Budget Direct Third Party Property Damage

Customer reviews

Youi won Finder's Customer Satisfaction awards with a score of 4.38/5. Budget Direct wasn't far behind. It came in fourth place with 4.32/5. When it comes to online reviews, Youi comes out on top as well.

Youi and Budget Direct 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 Budget Direct (Auto & General) have received and resolved.

UnderwriterComplaints received Complaints resolved at registration & referral Referral resolution rate
Auto & General Services Pty Ltd 143172350.56%
Youi2088038.46%

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