Find out how much you could save by switching to us
By not insuring unsafe drivers, we can keep our car insurance premiums low for safer drivers like you.
Compared to their previous insurers' premiums, our customers nationally told us they saved an average of $###† by switching to Budget Direct Comprehensive Car Insurance.
Here are some examples of their self-reported national savings:
| Customers who switched from… | Told us they saved an average of… |
|---|---|
| AAMI | $### |
| Allianz | $### |
| NRMA | $### |
| Suncorp | $### |
| Woolworths | $### |
| Youi | $### |
Award-Winning Australian Car Insurance
After comparing over 65,000 quotes, comparing 51 Comprehensive Policies offered by 43 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2025. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 19 years in a row.
We also won Money magazine's Best of the Best 2025 award for Best-Value Car Insurance 7 years in a row (2019-25); Mozo’s Experts Choice 2024 award for Australia's Best Value Car Insurer; and Finder's 2024 Best Car Insurance - Value award.
More ways to save
Depending on the type of Budget Direct car insurance you choose, there are a number of ways you can reduce your premium even further:
How to switch
Switching to Budget Direct car insurance from your current insurer is quick and easy:
Research
Compare different insurers' products and get quotes.
Buy
If you get a quote and buy a Budget Direct comprehensive or third party policy online, you'll save 15%^ on your first year's premium.
Contact
Once you’re covered by us, contact your previous insurer to decline their renewal offer or cancel your other policy mid-term.
If you cancel mid-term, your previous insurer may refund the unused portion of your premium; however, they may charge you a cancellation fee.
Get a quote online and save 15%^
Get a quote online — it's quick and easy. If you buy online, you'll receive a 15%^ discount on your first year's Gold Comprehensive or third party insurance premium.
Types of car insurance
Among other things, the price of your car insurance — your premium — depends on your level of cover; the stronger your cover, the more it costs. We offer three levels of cover:
Quick car insurance comparison
| What’s covered | Damage to your car | Damage to other people’s property | Theft of your car |
|---|---|---|---|
| Comprehensive | Yes | Yes | Yes |
| Third Party Property Only | No | Yes | No |
| Third Party Property, Fire and Theft | Yes1 | Yes | Yes |
1 Damage to your car caused by fire and/or theft only – not by a crash.
Praise for Budget Direct
“According to Canstar Research, Budget Direct provided competitively priced policies with a comprehensive level of cover...car insurance customers have access to rental vehicle cover following theft and accidents, the option to include roadside assistance, and weather alerts that notifies them of potential hail storms in their area”
CANSTAR research team, February 2022
“Budget Direct is Australia's most awarded insurer with a well-earned reputation for consistently offering some of the lowest premiums across many of the market segments in which it competes”
2022 Money Magazine Insurer of the Year award citation
Car Insurance Knowledge Base
Your questions about insurance all
answered in one place.
Useful links
† {comparitron-disclaimer}
‡ Your car would not be covered while it was being driven by someone under the restricted age.
