RAA Car Insurance
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RAA car insurance review

Compare policies from RAA and find the right car insurance for your car, motorcycle, caravan or trailer.

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Our verdict

Pros

  • Specific policies are available for veteran, vintage, modified, and imported cars
  • RAA membership comes with a bunch of shopping and entertainment discounts
  • Customers can pay their premium monthly, at no extra cost

Cons

  • RAA is only available to drivers in South Australia
  • Up to $750 is covered for emergency accommodation, while many brands offer up to $1,000
  • There's no option to insure for market value - only agreed value

How does RAA car insurance compare with other car insurers?

RAA offers a good level of cover and Finder cost research shows premiums were typically cheaper than the South Australian average in comparison to other car insurers.

Features

Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
RAA Premium Comprehensive
  • If your car is written off in the first 5 years
  • Optional
    Budget Direct Comprehensive
    Optional
  • 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
    Optional
  • 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.
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    Price

    Price comparison data from the 2024 Finder Insurance Awards determined that the average cost of a comprehensive car insurance policy in South Australia is $1,233. In comparison, RAA's average quote was $1,057.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    RAA logon/an/a$1,057n/an/an/a$176More 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 RAA car insurance's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    RAA Premium Comprehensive
    Optional
  • If your car is written off in the first 5 years
  • Up to $90 per day - Up to 21 days
  • RAA Standard Comprehensive
    Optional
  • If your car is written off in the first 2 years
  • Up to $90 per day - Up to 21 days
  • Get cover for the Comprehensive Car Insurance
    RAA Third Party, Fire & Theft
    Optional
  • Up to $65 per day - Up to 21 days
  • Get cover for the Third Party, Fire & Theft Car Insurance
    RAA Third Party Property Damage
    Optional
  • Get cover for the RAA Third Party Property Damage Car Insurance
    loading

    Congratulations, RAA!

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

    Full list of 2023 winners

    What additional cover options are available?

    Drivers who choose RAA can customise their policies with some optional extras, including -

    • Hire car cover - Cover the cost of a hire car following an insured incident, up to $90 a day for 21 days. Hire car excess is also covered up to $4,000.
    • $0 excess windscreen - Get one repair or replacement of your windscreen, window, or roof glass per year, without paying any excess.

    Why you can trust Finder's car insurance experts

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    We're free

    You pay the same as buying directly from the car insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
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    We're experts

    Our team of car insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 330+ guides to make it easier for you to compare.
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    We're independent

    Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of car insurance brands, making it easier for you to find a good deal.
    help

    We're here to help

    Since 2014, we've helped 300,000+ people find car insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

    FAQs

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