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
Compare RACQ car insurance's policies
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
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
Was this content helpful to you?
Thank you for your feedback!
To make sure you get accurate and helpful information, this guide has been edited by
Tim Bennett
as part of our
fact-checking process.
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
Why does the windscreen option cost not appear anywhere near a quote?
Finder
RichardMay 7, 2015Finder
Hi John,
Thanks for your question. finder.com.au is a comparison service and does not currently have the facilities in place to provide quotes for RACQ Car Insurance.
Is it time to make the switch? If you're not happy with your current car insurance provider then the answer might be yes.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
The information provided by Frankie is general in nature and has been prepared without considering your objectives, financial situation or needs. Frankie may make mistakes so it's important that you review the information before deciding. By messaging Frankie, you agree to our Terms and have read our Privacy Policy.
Why does the windscreen option cost not appear anywhere near a quote?
Hi John,
Thanks for your question. finder.com.au is a comparison service and does not currently have the facilities in place to provide quotes for RACQ Car Insurance.
Thanks,
Richard