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RAC car insurance review

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

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Our verdict


  • 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


  • 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.


Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
RAC Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    Budget Direct Comprehensive
  • If your car is written off in the first 2 years or 40,000 km
  • Optional
    Finder's summary: The 2024 winner of our Best Value Car Insurance award. It's cheaper than most, plus you can lower costs by adding age restrictions.

    ⭐ Current offer: 15% off your first year's premium when you take out a policy online. T&Cs apply.

    Who it might be good for: Anyone who wants a good value policy.
    NRMA Comprehensive
  • If your car is written off in the first 2 years
  • Optional
    AAMI Comprehensive Car Insurance
  • If your car is written off or stolen in the first 2 years
  • Optional
    Finder's summary: AAMI's comprehensive policy includes cover for legal modifications and accessories and up to $20 million cover for damage to other people's property. Optional extras like windscreen and window glass cover is also available.

    ⭐ Current offers: Save $50 when you buy a new comprehensive car insurance policy online. T&Cs apply.

    Who it might be good for: Safe drivers can benefit from the AAMI Safe Driver Rewards® program.
    Allianz Comprehensive
  • If your car is written off or stolen in the first 2 years
  • Finder’s summary: Allianz is good if you want agreed value (this lets you agree on an amount to cover your car for). For a big insurer, it also has a strong customer service record.

    Who it might be good for: Anyone who wants good customer service and agreed value cover.


    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
    Budget Direct Logo$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's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    RAC Comprehensive
  • If your car is written off in the first 2 years
  • Standard daily hire fee - Until claim is completed
  • RAC Third Party Fire & Theft
  • Standard daily hire fee - Until claim is completed
  • RAC Third Party Property Damage
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    Congratulations, RAC!

    RAA won the 'Car Insurance - WA' award in the 2023 Customer Satisfaction Awards.

    Full list of 2023 winners

    What additional cover options are available?

    RAC has some customisations options to tailor your policy, including -

    • Hire car after accident - If you're involved in an accident, get a hire car until your car is fixed or the claim is settled
    • No claim bonus protection - Make one at-fault claim during the period of insurance, without damaging your no claims bonus.

    Why you can trust Finder's car insurance experts


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    2 Responses

      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.


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