Car Insurance Estimator

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What is a Car Insurance Estimate?

Getting an estimate for car insurance is another way of saying, “getting a car insurance quote.” It’s the first step towards purchasing a new car insurance policy where you provide details about yourself and your vehicle so that an insurance company can calculate the premium you would be charged for your chosen level of car insurance cover.

The specific factors used to calculate a car insurance quote will vary between different insurers, which is why you might find premiums vary so much if you’re comparing car insurance quotes from different companies.

Because we don’t insure unsafe drivers – like Captain Risky – we can keep our premiums low. Before renewing your car insurance, why not calculate how much you would pay — and save — if you switched to Budget Direct.

You could potentially save hundreds of dollars.

How we calculate premiums

There are lots of factors that influence our car insurance premiums, which are calculated according to the likelihood of a person making a claim and how expensive any claim is likely to be.

Among the factors we consider when calculating our premiums are:

  • type of car – the less expensive and/or powerful a car is, the lower the premium tends to be
  • modifications – typically, changes to a vehicle’s look or performance will increase the premium
  • level of cover – ranging from third party car insurance, our most basic, up to comprehensive – the more protection someone has, the more they pay
  • insurance excess – the higher the excess, the lower the premium and vice-versa
  • regular and other drivers’ age – younger drivers pay more, especially those under the age of 25
  • annual mileage – the less kilometres someone clocks up, the lower their premium is likely to be
  • car use – if a person uses their vehicle for business – and not simply for commuting to work – they may pay more
  • where the car is kept overnight – depending on the amount of crime in a postcode, the premium may be higher, especially if the car is parked on the street (as opposed to a garage, for example)
  • no-claims discount rating – the lower someone’s rating, the lower their premium
  • driving record – the more points a person has on their licence or accidents they’ve caused, the higher their premium (assuming they can get cover); a clean record could earn them a discount
  • the state someone lives in – a state or territory’s theft rate and driving population can affect the premium.

Compare our prices

We’re so confident our car insurance prices are among the cheapest, we invite you to compare them with our competitors’ prices.

Use the Budget Direct Comparitron to see what customers in your state told us they saved, on average, by switching their car insurance to Budget Direct.

It helps explain why we’re the only insurer to have won the coveted Canstar award for Outstanding Value Car Insurance 11 years in a row (from 2007 to 2017).

See how much customer's told us they saved in your state:

Choose your cover

With Budget Direct, you can choose one of two types of car insurance cover:

Get a quote

Find out how much it would cost to insure your vehicle through Budget Direct – it takes just a few minutes.


1 https://www.budgetdirect.com.au/about-us/awards.html

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