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RACQ car insurance review

The Queensland insurer is more expensive than many national brands, yet doesn’t have a particularly strong range of benefits.

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Our verdict


  • 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


  • 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 $750, 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.


Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
RACQ 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 is under 40,000kms
  • 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.


    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.

    InsurerNSWQLDSATASVICWAAustralia averageApply
    RACQ logon/a$1,476n/an/an/an/an/aMore 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 RACQ car insurance's policies

    Name Product Accidental damage Roadside assistance Fire and theft New Car Replacement Hire car after theft
    RACQ Comprehensive
  • If your car is written off in the first 2 years
  • Up to $75 per day - Up to 21 days
  • RACQ Fire, Theft and Third Party
  • RACQ Third Party Liability
  • loading

    Congratulations, RACQ!

    RACQ won the 'Car Insurance - QLD' award in the 2023 Customer Satisfaction Awards.

    Full list of 2023 winners

    What additional cover options are available?

    • 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 - Up to $75 a day 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.

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    Nicola Middlemiss's headshot
    Senior writer

    Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio

    Nicola's expertise
    Nicola has written 238 Finder guides across topics including:
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    12 Responses

      Default Gravatar
      COLINNovember 29, 2023

      What is your price range for full comp for my car 2011 merc class B hatchback

        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.

      Default Gravatar
      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.

        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.


      Default Gravatar
      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 .

        Default Gravatar
        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


      Default Gravatar
      AileenApril 21, 2017

      Do seniors driving car with limited mileage get discount on comprehensive car insurance?

        ZubairApril 26, 2017Finder

        Hi Aileen,

        Thank you for your question.

        You have contacted, 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,

      Default Gravatar
      ChristineMarch 15, 2017

      I have RACQ car insurance.
      How do I that add unlisted driver.
      How much?

        ZubairMarch 16, 2017Finder

        Hi Christine,

        Thank you for your question.

        You have contacted, 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,

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