RACQ is a bit more expensive than other brands, but without offering an especially strong product for that higher price. That said, RACQ has a long history and reputation in Queensland, which might be important to some. But if that's not you, you might be better too look at one of the smaller providers.
Pros
Buy your car insurance and roadside assistance all in one place
Access a range of member perks, including discounts on fuel, groceries, and gift cards
Support available from a Queensland-based call centre and 27 physical branches
Cons
RACQ's policies were, on average, 34% more expensive than other brands we researched
No cover for emergency accommodation, a very common benefit from other brands
Key replacement costs capped at , but most brands offer a $1,000 limit
How does RACQ car insurance compare with other car insurers?
RACQ's comprehensive car insurance policy is more expensive than other national car insurance providers, yet it has no stand-out benefits or limits. For similar coverage, there are cheaper car insurers available.
Price
RACQ's policies are, on average, more expensive than comprehensive car insurance policies offered to Queensland drivers by other brands. However, RACQ does offer member benefits that other car insurers don't — like discounts on fuel and groceries. The best car insurance for you may not depend solely on price.
Good customer service, it's local and supportive of community.
Joe, QLD
Premiums higher than others, customer service good.
Anon, QLD
Reasonable rates and easy to deal with.
Jen, QLD
Friendly staff, reliable service, trustworthy.
Mina, QLD
Decent insurance company overall, though rates are really starting to climb.
Anon, QLD
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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.
Excess free windscreen - Don't pay an excess the first time you make a claim for damage to your windscreen, window glass or sunroof glass. One repair or replacement per year.
Hire car after an incident - for a hire car if your vehicle is unusable after an insured incident that you've made a claim for.
No claim discount protection - RACQ won't reduce your current no claim discount the first time you make an at fault claim during the period of insurance.
FAQs
Yes. RACQ is only available to drivers who live in Queensland. However, your car is insured when you drive it in other states.
You can call RACQ on 13 19 05, send a message via its website, or visit one of its 27 physical locations.
Sources
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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.
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What is your price range for full comp for my car 2011 merc class B hatchback
Finder
PetaDecember 5, 2023Finder
Hi Colin,
You’ll need to get a quote on the RACQ website to find this information. This is just the review page on Finder.
TinaNovember 16, 2021
I am looking to buy a Japanese imported Toyota super custom motorhome for approx $40,000 and would like an idea on the price of comprehensive insurance. Thank you.
Finder
JamesNovember 24, 2021Finder
Hi Tina,
To explore your options, please check our motorhome insurance page. On that page, there’s a table for you to compare insurers who may be able to insure your motorhome.
Always read through the Product Disclosure Statement (PDS) of your chosen insurance policy to fully understand what you will and won’t be insured for.
Regards,
James
BrianJune 15, 2018
I have 1998 toyota hiace regius kch40 4d wagon 4 speed auto 4 cylinder td 3000cc for the past 10 years well maintained and in good tunning order would the RACQ insure this vehicle for me . I have other policies with RACQ and did not know that you did import vehicles .
ArnoldJune 15, 2018
Hi Brian,
Thanks for your inquiry
Generally, insurers will cover any vehicle that has not been heavily modified, has been well maintained and in good running condition. Please note that these conditions vary between insurers. It would be best if to directly contact RACQ to get a quote for your vehicle cover. You may also compare the various policies they offer on their website to find the right one for you.
Hope this information helps
Cheers,
Arnold
AileenApril 21, 2017
Do seniors driving car with limited mileage get discount on comprehensive car insurance?
Finder
ZubairApril 26, 2017Finder
Hi Aileen,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually RACQ Car Insurance.
RACQ Car Insurance is not currently one of the brands in our panel of car insurers so you will need to contact them directly about this matter.
All the best,
Zubair
ChristineMarch 15, 2017
I have RACQ car insurance.
How do I that add unlisted driver.
How much?
Finder
ZubairMarch 16, 2017Finder
Hi Christine,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually RACQ Car Insurance.
You will need to contact RACQ Car Insurance directly to check the cost of adding an unlisted driver.
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.
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What is your price range for full comp for my car 2011 merc class B hatchback
Hi Colin,
You’ll need to get a quote on the RACQ website to find this information. This is just the review page on Finder.
I am looking to buy a Japanese imported Toyota super custom motorhome for approx $40,000 and would like an idea on the price of comprehensive insurance. Thank you.
Hi Tina,
To explore your options, please check our motorhome insurance page. On that page, there’s a table for you to compare insurers who may be able to insure your motorhome.
Always read through the Product Disclosure Statement (PDS) of your chosen insurance policy to fully understand what you will and won’t be insured for.
Regards,
James
I have 1998 toyota hiace regius kch40 4d wagon 4 speed auto 4 cylinder td 3000cc for the past 10 years well maintained and in good tunning order would the RACQ insure this vehicle for me . I have other policies with RACQ and did not know that you did import vehicles .
Hi Brian,
Thanks for your inquiry
Generally, insurers will cover any vehicle that has not been heavily modified, has been well maintained and in good running condition. Please note that these conditions vary between insurers. It would be best if to directly contact RACQ to get a quote for your vehicle cover. You may also compare the various policies they offer on their website to find the right one for you.
Hope this information helps
Cheers,
Arnold
Do seniors driving car with limited mileage get discount on comprehensive car insurance?
Hi Aileen,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually RACQ Car Insurance.
RACQ Car Insurance is not currently one of the brands in our panel of car insurers so you will need to contact them directly about this matter.
All the best,
Zubair
I have RACQ car insurance.
How do I that add unlisted driver.
How much?
Hi Christine,
Thank you for your question.
You have contacted finder.com.au, a comparison and information service and not actually RACQ Car Insurance.
You will need to contact RACQ Car Insurance directly to check the cost of adding an unlisted driver.
All the best,
Zubair