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
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.
Provider
NSW
QLD
SA
TAS
VIC
WA
Aus 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.
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 has always been fantastic, customer service is the best.
Youi user, SA
Great value and friendly staff.
Youi user, VIC
Really good to deal with on phone.
Youi user, VIC
Great customer service and it was easy to add roadside assistance to my insurance policy.
Budget Direct user, WA
Good cover for the cost.
Budget Direct user, VIC
Competitive premium and excellent claims process.
Budget Direct user, VIC
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.
Underwriter
Complaints received
Complaints resolved at registration & referral
Referral resolution rate
Auto & General Services Pty Ltd
1431
723
50.56%
Youi
208
80
38.46%
Finder's verdict
Budget Direct does what it says on the tin. It's cheap and offers a really decent level of cover compared to other big brands. Youi is also a solid comprehensive policy. It's also the only comprehensive policy to automatically include roadside assistance. If you're looking for good customer service, Youi outperforms most insurers (not just Budget Direct). Regardless of who you prefer, it's worth getting quotes from both to see who is cheaper for you.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
Discover how roadside assistance does so much more than simply helping you out if you have a breakdown with this handy guide.
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