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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Our verdict

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

How does RAC car insurance compare with other car insurers?

RAC offers some strong benefits and is only marginally more expensive than average in comparison to other car insurers. Our cost research found RAC premiums were $7 more expensive than the state average, per year.

Price

2024 Finder Car Insurance Awards data compared over 30 brands offering comprehensive car insurance in WA. The average price for a comprehensive policy was found to be $1,071 - marginally cheaper than the RAC average of $1,081.
Keep in mind, the best car insurance for you may be based on more than price.

InsurerNSWQLDSATASVICWAAustralia averageApply
RAC car insuranceN/AN/AN/AN/AN/A$1,081$1,081More info
$1,148$941$978$829$1,180$880$992Get quote
youi$1,640$1,307$1,087$1,155$1,599$1,363$1,359Get quote
NRMA logo$2,027$1,154$1,038$1,004N/A$1,034$1,043More info
AAMI$1,884$1,106$1,015$985$1,318$1,002$1,218More info

About our car insurance methodology

Compare RAC car insurance policies

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
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  • 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
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  • Standard daily hire fee - Until claim is completed
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    Finder Awards badge

    Congratulations, RAC!

    RAC received the following awards in the 2024 Customer Satisfaction Awards:

    • 'Car Insurance - WA' - Top Value Brand (Winner)
    • 'Car Insurance - WA' - Loved Brand (Highly Commended)
    • 'Car Insurance - WA' - Trusted Brand (Highly Commended)
    • 'Car Insurance - WA' - Quality Service Brand (Highly Commended)
    Full list of 2024 winners

    What additional cover options are available?

    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 257 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

      Default Gravatar
      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!

      Default Gravatar
      DeeaneMay 5, 2019

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

        Default Gravatar
        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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