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.

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 logon/an/a$1,057n/an/an/a$176More info
$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

Compare RAA car insurance's policies

Product Finder Score Accidental damage Roadside assistance Fire and theft New Vehicle Replacement Hire car after theft
RAA Car Insurance logo
Finder Score
Not yet rated
  • Up to $65 per day - Up to 21 days
  • Get cover for the Third Party, Fire & Theft Car Insurance
    View details
    RAA Car Insurance logo
    Finder Score
    Not yet rated
  • Get cover for the RAA Third Party Property Damage Car Insurance
    View details
    RAA Car Insurance logo
    Finder Score
    Not yet rated
  • If your car is written off in the first 5 years
  • Up to $90 per day - Up to 21 days
  • View details
    RAA Car Insurance logo
    Finder Score
    Not yet rated
  • 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
    View details
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    Finder Score for car insurance

    We analyse over 80 car insurance products and rate each one on price and features. What we get out the other end is a nice round number out of 10 to help you start comparing.

    To make sure we're comparing apples with apples, we collect quotes for 8 different personas and analyse different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account. We analyse comprehensive, third party fire and theft and third party property damage products individually.

    Read the full Finder Score methodology

    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 249 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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