RAC car insurance review

Only available in Western Australia, RAC car insurance offers some strong benefits and its premiums are about average for the state.

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Nicola Middlemiss

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RAC Car Insurance

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Pros

  • You can get your car insurance and roadside assistance all in one place
  • Access to a range of discounts, including up to 4c a litre of fuel
  • Fitted car accessories are automatically covered

Cons

  • RAC is only available to drivers in WA
  • There's no option to insure your car for market value - only agreed value
  • The PDS has some ambiguous wording, making it tricky to know exactly what's covered

Compare RAC car insurance policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
RAC Car Insurance logo
9.2 Excellent
RAC Comprehensive
9.2 Excellent
Standalone
  • If your car is written off in the first 2 years
  • Standard daily hire fee - Until claim is completed
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    RAC Car Insurance logo
    Not scored yet
    RAC Third Party Fire & Theft
    Not scored yet
    Standalone
  • Standard daily hire fee - Until claim is completed
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    RAC Car Insurance logo
    9.1 Excellent
    RAC Third Party Property Damage
    9.1 Excellent
    Standalone
    • View details
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    Finder Score for car insurance

    We analyse over 30 car insurance products across insurance providers, and rate each one for price and features. We collect up to 36 quotes per product, for male and female drivers in New South Wales, Victoria, Queensland, South Australia, Tasmania and Western Australia. Quotes are collected for 20 year olds, 30 year olds and 60 year olds, assuming an excess of $850 for a 2020 Toyota Corolla 4 door sedan model, with an average 15,000 kms driven each year. While we are not allowed to display actual quotes, our Finder Score aims to serve as an indicative guide to how cost and feature competitive a product might be for you.

    Our feature score assesses each product for more than 15 features across loss and damage coverage, repairs and assistance coverage, personal items coverage and policy coverage. Features we assess include but are not limited to legal liability, essential repairs, new car replacement, car hire events, roadside assistance, agreed or market value, windscreen damage and natural disaster coverage.

    Read the full methodology

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    Why choose RAC car insurance?

    RAC has some customisation options to tailor your policy, including:

    • Hire car after an accident. If you're involved in an accident, you may be able to get a hire car. RAC can arrange a hire car for you if you've added optional hire car after accident benefit to your Comprehensive policy, or if your car is not available to you as a result of fire, theft or attempted theft (not available to Third party policy holders).
    • No claim bonus protection. You can make one at-fault claim during the period of insurance, without damaging your no claims bonus.

    FAQs

    Sources

    Nicola Middlemiss's headshot
    Journalist

    Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

    Nicola's expertise
    Nicola has written 247 Finder guides across topics including:
    • Personal finance
    • Personal insurance, including car, health, home, life, pet and travel insurance
    • Commercial business insurance
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    4 Responses

      Ann's avatar
      AnnSeptember 1, 2025

      Does RAC still provide car insurance

        Sarah Megginson's headshotFinder
        SarahSeptember 11, 2025Finder

        Hi Ann, Yes they do still provide car insurance. They’re not currently live as a partner on our site, but you can visit their website for a quote. Hope this helps!

      Deeane's avatar
      DeeaneMay 5, 2019

      Will RAC cover a drink driving car crash even if third party to property?

        Ash's avatar
        AshMay 6, 2019

        Hi Deeane,

        Thank you for contacting Finder.

        No, RAC will not cover an accident caused by the driver being under the influence of alcohol. It is listed under exclusions of coverage for RAC Car Insurance above.

        I hope this helps.

        Please do not hesitate to reach out again if you have additional questions.

        Cheers,
        Ash

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