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
  • 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.

Features

Product Finder Score Choice of repairer New Vehicle Replacement Roadside assistance Hail, storm and flood damage
Finder Score
Optional
  • If your car is written off in the first 2 years or is under 40,000kms
  • Optional
    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.
    RAA Car Insurance logo
    Finder Score
  • If your car is written off in the first 5 years
  • NRMA logo
    Finder Score
    Optional
  • If your car is written off in the first 2 years
  • Optional
    AAMI logo
    Finder Score
  • If your car is written off or stolen in the first 2 years
  • Optional
    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  logo
    Finder Score
  • 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.
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    Finder Score for car insurance

    We analyse over 30 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 6 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.

    Read the full Finder Score methodology

    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 logo
    n/a
    n/a
    $1,057
    n/a
    n/a
    n/a
    $176
    $1,148
    $941
    $978
    $829
    $1,180
    $880
    $992
    youi
    $1,640
    $1,307
    $1,087
    $1,155
    $1,599
    $1,363
    $1,359
    NRMA logo
    $2,027
    $1,154
    $1,038
    $1,004
    N/A
    $1,034
    $1,043
    AAMI
    $1,884
    $1,106
    $1,015
    $985
    $1,318
    $1,002
    $1,218

    About our car insurance methodology

    Compare RAA car insurance's policies

    Product
    Accidental damage
    Roadside assistance
    Fire and theft
    New Vehicle Replacement
    Hire car after theft
    RAA Car Insurance logo
  • If your car is written off in the first 5 years
  • Up to $90 per day - Up to 21 days
  • RAA Car Insurance logo
  • 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
    RAA Car Insurance logo
  • Up to $65 per day - Up to 21 days
  • Get cover for the Third Party, Fire & Theft Car Insurance
    RAA Car Insurance logo
  • Get cover for the RAA Third Party Property Damage Car Insurance
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    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, 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

    Compare other products from RAA

    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 243 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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