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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RAA Car Insurance

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
  • $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.

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
$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

Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
RAA Car Insurance logo
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  • Up to $65 per day - Up to 21 days
  • Get cover for the Third Party, Fire & Theft Car Insurance
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    RAA Car Insurance logo
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  • Get cover for the RAA Third Party Property Damage Car Insurance
    More info
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    RAA Car Insurance logo
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  • If your car is written off in the first 5 years
  • Up to $90 per day - Up to 21 days
  • More info
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    RAA Car Insurance logo
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  • 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
    More info
    Compare product selection
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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. We use your responses to our quiz to pair you with the closest price profile and while we are not allowed to display actual quotes, our price score aims to serve as an indicative guide to how cost 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.

    Depending on your answers to our car insurance quiz, we upweight the relevant price score or feature score to generate a dynamic Finder Score (80% weighting on the primary selection between Price or Feature). Finder Score, Price Score and Feature Score are only to be used as indicative guides and are not product recommendations.

    Read the full methodology

    Finder Awards badge

    Congratulations, RAA!

    RAA won the following awards in the 2024 Customer Satisfaction Awards:

    • 'Car Insurance - SA' - Most Loved Brand
    • 'Car Insurance - SA' - Top Value Brand
    • 'Car Insurance - SA' - Most Trusted Brand
    • 'Car Insurance - SA' - Legendary Service Brand

    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, . 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.

    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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    2 Responses

      Default Gravatar
      DonnaJuly 11, 2025

      What is the cover RAA provides for contaminated fuel,
      Including repairs and emergency accommodation ?

        Sarah Megginson's headshotFinder
        SarahJuly 11, 2025Finder

        Hi Donna,

        RAA’s Premium Comprehensive Car Insurance policy generally covers damage from contaminated fuel if you use the correct fuel type, but the fuel is then found to be contaminated. However, it typically does not cover damage from using the wrong fuel type. The level of cover you have including emergency accom will depend on the specifics of your policy, as this is usually an added extra. Your best bet is to contact them directly. Best of luck!

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