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 $###
Suncorp $###
Youi $###
APIA $###
GIO $###
Woolworths $###

Award-winning Australian car insurance

After comparing over 42,000 quotes, comparing 51 Comprehensive Policies offered by 41 insurance providers, across 36 Consumer profiles, Canstar awarded us for Outstanding Value Car Insurance in 2021 — a record 15th year in a row we've won the award.

We also won Money magazine's Best of the Best 2021 winner for Best-Value Car Insurance 3 years in a row (2019-21); and a Mozo Experts Choice 2021 award for Exceptional Value Car Insurance.

CANSTAR's Outstanding Value Car Insurance Australia 2007–2021
Money Magazine's Best-Value Car Insurance 2021
Money Magazine's Insurer of the Year 2021
Mozo Experts Choice 2021 - Exceptional Value Car Insurance
Finder Awards 2021 Winner, Car Insurance — Overall

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 by avoiding administration 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 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, Fire and Theft Insurance

Provides the same protection as Third Party Property 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 No Yes No
Third Party, 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

“Launched in 2000, Budget Direct entered a crowded market and rose to the top by putting together home and contents insurance, and vehicle insurance, with all the necessary inclusions and more…And [its] premiums are often lower than those of its competitors.”

2019 Money Magazine Insurer of the Year award citation.

“Budget Direct [has] got the balance right between having a feature-rich comprehensive car insurance policy and ensuring that it is priced competitively, with their average premiums among the top quartile of providers in all states.”

CANSTAR research team, May 2019

Get a car insurance quote online