Budget Direct won the 2024 Finder Award for best value car insurance. It comes with the same benefits you get with the most comprehensive car insurance providers but for less money, according to our research. NRMA isn't typically as cheap but it's got stores throughout NSW and gives you a little more money for emergency repairs.
Budget Direct vs NRMA — compare key features
We've compared the comprehensive car insurance policies on offer from Budget Direct car insurance and NRMA car insurance. See further below for other types of car insurance offered by these providers.
![]() Budget Direct Comprehensive |
![]() NRMA Comprehensive |
|
---|---|---|
Underwriter | Auto & General Insurance Company Ltd | Insurance Australia Limited |
Accidental Damage |
|
|
Damage to other people's car |
|
|
Bonuses | No | |
Roadside assistance | Optional | Optional |
Agreed or market value |
Agreed or Market |
Agreed or Market |
Choice of repairer | Optional | Optional |
Legal liability | Yes - $20,000,000 | Yes - $20,000,000 |
Fire and theft |
|
|
Storm |
|
|
Flood |
|
|
Hire car after theft |
Up to $1,000 - Up to 14 days |
Up to $75 per day - Up to 21 days |
Hire car after no fault accident |
Optional Up to $75 per day - Up to 14 days |
Optional Up to $75 per day - Up to 14 days |
Hire car after at fault accident |
Up to $75 per day |
Limit not disclosed |
Emergency repairs |
Up to $500 |
Up to $800 |
Emergency travel and accommodation costs |
Up to $1,000 - Up to $200 per day |
Up to $1,000 |
New car replacement |
If your car is written off in the first 2 years or 40,000 km |
If your car is written off in the first 2 years |
Personal effects/property |
Up to $500 |
Up to $500 |
Locks and keys replacement |
Up to $1,000 |
Up to $1,000 |
Towing |
|
|
Trailer cover |
Up to $1,000 |
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. |
Get quote | More info |
Budget Direct vs NRMA 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, Budget Direct typically offers cheaper car insurance than NRMA. 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 | NSW | QLD | SA | TAS | VIC | WA | Aus average |
---|---|---|---|---|---|---|---|
Budget Direct | $1,148 | $941 | $978 | $829 | $1,180 | $880 | $992 |
NRMA | $2,027 | $1,154 | $1,038 | $1,004 | $0 | $1,034 | $1,252 |
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
Car insurance policies on offer
Budget Direct offers 4 types of car insurance:
- Gold Comprehensive
- Gold Comprehensive Low Kilometres
- Third Party Fire & Theft
- Third Party Property Damage
NRMA also offers 4 levels of car insurance:
- NRMA Comprehensive Plus
- NRMA Comprehensive
- NRMA Third Party Fire & Theft
- NRMA Third Party Property Damage
NRMA also offers Compulsory Third Party (CTP)
car insurance.
Customer reviews
Budget Direct has a good rating on popular review sites and scored 4.32/5 in the Finder Customer Satisfaction awards. NRMA has less positive reviews and couldn't be rated in the Customer Satisfaction awards because of eligibility – it's not available in all states.
Budget Direct and NRMA complaints information
Using data from the Australian Financial Complaints Authority (AFCA), we can see how many motor insurance complaints the underwriters for Budget Direct (Auto & General) and NRMA (Insurance Australia Limited) have received and resolved.
Underwriter | Complaints received | Complaints resolved at registration & referral | Referral resolution rate |
---|---|---|---|
Auto & General Services Pty Ltd | 1431 | 723 | 50.56% |
Insurance Australia Limited | 1413 | 760 | 53.82% |
Finder's verdict
Budget Direct and NRMA have pretty similar levels of cover but our research shows that Budget Direct is typically cheaper. NRMA has stores throughout NSW which might make it more appealing for some people though.
Gary Ross Hunter
Insurance and innovations editor
More guides on Finder
-
People’s Choice car insurance review
With some benefit limits higher than average, drivers will also face higher premiums if opting for People’s Choice.
-
Mobile phone use while driving statistics – Australia
Drivers who text are 10 times more likely to crash yet a large number of Australians still do it.
-
Car registration Victoria
Find out how to get your car registration transferred in Victoria.
-
Car registration NSW
What you need to know about car registration in NSW, from the costs to the documentation that you need.
-
Blue Slip NSW
Your guide to Blue Slips.
-
RAC car insurance review
Only available in WA, RAC car insurance offers some strong benefits and its premiums are about average for the state.
-
Rideshare car insurance
Find out what car insurance options are available for rideshare drivers, including Ubers.
-
Car insurance deals and discounts July 2024
Compare the latest car insurance discounts and deals to save further on your policy or access bonus offers. Discounts up to 25% for purchasing online
-
How much is car insurance?
How much does car insurance cost and what factors affect your premium? Your comprehensive guide here.
-
Best car insurance – so good, it’ll give you whiplash
Explore our analysis and see how you can find the best car insurance for your needs.
Ask a Question