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.
We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.
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.
FAQs
Yes, RAA is only available to South Australian drivers. However, RAA affiliates are available in other states.
RAA scored well in the 2024 Finder Car Insurance Awards, with competitive pricing and strong benefits.
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 241 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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