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 $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.
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.
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.
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.
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.
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 239 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
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.
All the best,
Zubair
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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