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:

†See what this figure is based on

Customers who switched from… Told us they saved an average of…
AAMI $###
Allianz $###
NRMA $###
QBE $###
Suncorp $###
Woolworths $###
Youi $###

Award-Winning Australian Car Insurance

After comparing over 54,000 quotes, comparing 51 Comprehensive Policies offered by 42 insurance providers, across 42 Consumer profiles, Canstar proclaimed Budget Direct winners of the National Outstanding Value Car Insurance Award for 2024. In the process, Budget Direct became the only brand in any category to win a Canstar National Outstanding Value Award 18 years in a row.

We also won Money magazine's Best of the Best 2024 winner for Best-Value Car Insurance 6 years in a row (2019-24); Mozo Experts Choice 2023 award for Exceptional Value Car Insurance; and Finder's 2024 Best Car Insurance - Value award.

We were also rated 5 stars by LMI ClaimsComparison for our Motor and Home & Contents Insurance product. The rating is based on both quantitative and subjective data, as well as policy features that are deemed by LMI ClaimsComparison as important to a positive claims experience.

LMI Claims Comparison - Claims Service Rating - Private Motor 2021-23
Money Magazine's Best of the Best Car Insurance 2024
CANSTAR's Insurer of the Year 2024
CANSTAR's Outstanding Value Car Insurance Australia 2007–2024
Mozo Experts Choice 2023 - Exceptional Value Car Insurance
Finder Awards 2024 Winner, Car Insurance — Value

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:

Select the right level of cover

We offer three types of insurance, the cost of which reflects the level of protection they provide. Choose what's right for you.

Buy your policy online

If you get a quote and buy your policy online, you’ll receive a 15%^ discount on your first year's premium.
^Conditions Apply

Set a driver-age restriction

You could save by restricting your policy to drivers over a certain age: 21+, 25+, 30+, 40+, 50+ – the biggest age range of any major insurer.

Increase your excess

If you’re comprehensively insured and you increase your Basic Excess, we’ll reduce your premium.

Get a ‘low kilometres’ policy

If you drive 10,000km or less per year, you can take out a ‘low kilometres’ policy, which attracts a lower premium.

Pay your premium annually

By paying annually instead of in instalments (i.e. fortnightly or monthly), you’ll pay a lower premium and avoid instalment processing fees.

Maintain a good driving record

For each claim-free year, you’ll receive a no-claim discount (NCD) on your premium; the NCD is capped at 5+ years, at which point we’ll give you a Rating 1.

How to switch

Switching to Budget Direct car insurance from your current insurer is quick and easy:



Compare different insurers' products and get quotes. 



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.

^Conditions Apply



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:

Comprehensive Insurance

Covers loss or damage to your vehicle due to an accident (regardless of who’s at fault), theft, severe weather, fire, and vandalism. It also covers your liability for accidental damage your vehicle causes to other people’s property (e.g. their car and home).

Read more

Third Party Property Only Insurance

Covers your liability for accidental damage your vehicle causes to other people’s property (e.g. their car and home). It does not cover damage to your vehicle (unless it’s damaged in a no-fault accident with an uninsured driver, in which case your car has limited cover).

Read more

Third Party Property, Fire and Theft Insurance

Provides the same protection as Third Party Property Only plus cover for loss or damage to your vehicle if it’s stolen or catches fire – but not if it’s damaged in a crash.

Read more

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 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.

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