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RACQ car insurance review

At over 100 years old, RACQ is the grandpa of car insurance in Queensland. But is it spry beyond its years or starting to lose its marbles?

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By

Nicola Middlemiss

Edited by

Tim Bennett

Updated

Fact checked
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Our Verdict: RACQ car insurance

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.

Features

1 - 5 of 5
Updated regularly
Name Product Choice of repairer New Car Replacement Roadside assistance Hail, storm and flood damage
RACQ Comprehensive
RACQ Comprehensive
  • If your car is written off in the first 2 years
    • Optional
    View details
    Budget Direct Comprehensive
    Finder Award
    Budget Direct Comprehensive
    Optional
  • 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.
    Get QuoteView details
    NRMA Comprehensive
    NRMA Comprehensive
    Optional
  • If your car is written off in the first 2 years
    • Optional
    View details
    AAMI Comprehensive Car Insurance
    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.
    View details
    Allianz Comprehensive
    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.
    View details
    loading

    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.

    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

    Good customer service, it's local and supportive of community.

    Joe, QLD

    Joe, QLD

    Premiums higher than others, customer service good.

    Anon, QLD

    Anon, QLD

    Reasonable rates and easy to deal with.

    Jen, QLD

    Jen, QLD

    Friendly staff, reliable service, trustworthy.

    Mina, QLD

    Mina, QLD

    Decent insurance company overall, though rates are really starting to climb.

    Anon, QLD

    Anon, QLD

    Compare RACQ car insurance's policies

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

    FAQs

    Compare other products from RACQ

    Tim Bennett's headshot
    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'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 234 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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    12 Responses

      Default Gravatar
      johnMay 6, 2015

      Why does the windscreen option cost not appear anywhere near a quote?

        AvatarFinder
        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.

        Thanks,
        Richard

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