Budget Direct vs Bingle car insurance

A side by side comparison of Budget Direct and Bingle car insurance including expert analysis of pricing, features, complaints and reviews.

Bingle is consistently the cheapest comprehensive car insurer in our Finder Awards research. If you're happy to pay a little more for comprehensive coverage, Budget Direct could be a better option.

Budget Direct vs Bingle car insurance — compare key features

We've compared the comprehensive car insurance policies on offer from Budget Direct car insurance and Bingle car insurance. See further below for other types of car insurance offered by these providers.

Budget Direct Comprehensive image
Budget Direct Comprehensive
Bingle Comprehensive image
Bingle Comprehensive
Underwriter
Auto & General Insurance Company Ltd
AAI Limited
Accidental Damage
Damage to other people's car


Bonuses
15% online discount. T&C's apply.
No
Roadside assistance
Optional
No
Agreed or market value
Agreed or Market
Market
Choice of repairer
Optional
Legal liability
Up to $20,000,000
Up to $20,000,000
Fire and theft
Storm
Flood
Hire car after theft

Up to $1,000 - Up to 14 days
Optional

Up to $50 per day - Until claim is completed
Hire car after no fault accident

Up to $75 per day
Optional

Up to $50 per day - Until claim is completed
Hire car after at fault accident
Optional
Up to $75 per day - Up to 14 days
Optional

Up to $50 per day - Until claim is completed
Emergency repairs

Up to $500

Reasonable Cost
Emergency travel and accommodation costs

Up to $1,000 - Up to $200 per day

Reasonable Cost
New car replacement

If your car is written off in the first 2 years or is under 40,000kms
Optional

If your car is written off in the first 3 years
Personal effects/property

Up to $500

Locks and keys replacement

Up to $1,000

Towing
Trailer cover

Up to $1,000

Important
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.
Limits, exclusions and terms and conditions apply. Read the Product Disclosure Statement.

Budget Direct vs Bingle 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, Bingle typically offers cheaper car insurance than Budget Direct. 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 NSWQLDSATASVICWAAus average
Budget Direct
$1,148
$941
$978
$829
$1,180
$880
$992
Bingle
$935
$872
$724
$726
$1,156
$761
$862

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.

About our car insurance methodology

Kate Boddington's headshot

"I'd had various insurances through Budget Direct for many years. In 2022 I purchased a brand new Landcruiser Prado. Bingle's like-for-like quote was about $100 cheaper, so I decided to go with Bingle. Unfortunately, I was involved in an accident where I was not the at-fault driver. I was satisfied with the repair carried out and how Bingle handled the claim. However, I was shocked to see that come the next annual renewal my premium rose almost $500 a year. Budget Direct was significantly cheaper so I switched back."

Kate Boddington
Finder crew member

Car insurance policies on offer

Budget Direct offers 4 levels of car insurance cover:

  • Gold Comprehensive
  • Gold Comprehensive Low Kilometeres
  • Third Party Property Damage
  • Third Party Fire & Theft

Bingle has 2 levels of car insurance cover:

  • Comprehensive
  • Third Party Property Damage

Customer reviews

Budget Direct has a good rating on popular review sites and scored 4.32/5 in the Finder Customer Satisfaction awards. Bingle has less positive reviews but it also has significantly fewer reviews and couldn't be rated in the Customer Satisfaction awards because of eligibility.

Budget Direct and Bingle car insurance complaints information

Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters from Budget Direct (Auto & General Insurance) and Bingle (AAI) have received and resolved.

UnderwriterComplaints received Complaints resolved at registration & referral Referral resolution rate
AAI
2231
1370
61.43%
Auto & General Services Pty Ltd
1431
723
50.56%

Finder's verdict

FAQs

Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 626 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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2 Responses

    Default Gravatar
    DavidJuly 8, 2023

    What is the cheapest ctp insurance

      AvatarFinder
      JamesJuly 10, 2023Finder

      Hi David,

      It isn’t possible to say as premiums will vary depending on where you live and your driving record (among other factors). You can visit our guide to CTP insurance if you’d like to learn more.

      Best wishes,

      James

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