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Compare RAA insurance

What to know about RAA insurance, including customer satisfaction ratings and available discounts.
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Fact-checked

Fact-checked

Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE

Last updated: 11 Jun 2024
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The Royal Automobile Association (RAA), provides insurance, travel services, vehicle inspections, car advice, driver training, and advocacy for better roads and fairer fuel prices for South Australians. It has over 800,000 members and was formed in 1903. In 2024 Allianz purchased RAA’s general insurance business.

On this page:

Phone: 1300 884 567

Website: raa.com.au

Who owns RAA?

RAA is a mutual company, meaning it is owned by its members. Originally founded to provide advocacy for South Australia’s motorists, it started its insurance business in 1923. In 2024, Allianz purchased RAA’s general insurance business. 

Allianz Australia Limited is a wholly owned subsidiary of the worldwide Allianz Group. The global insurer has more than 120 million customers internationally, which includes 3 million Australians. 

Is Allianz Australian-owned? No

Is Allianz not-for-profit? No

Is Allianz listed on the stock exchange (ASX)? No

 Where does RAA operate?

  • South Australia (including Broken Hill)

Which types of insurance does RAA offer?

How satisfied are RAA insurance customers?

In our customer satisfaction survey, RAA was rated the best for car insurance and second best for home insurance.

Customer satisfaction with home insurance

Of the RAA customers we surveyed, 86% rated their experience with home insurance as above average or excellent.

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Home insurer customer satisfaction

Insurers rated as above average or excellent

RACQ (Queensland): 91%

RAA(South Australia): 86%

RAC (Western Australia): 78%

RACV (Victoria): 72%

Coles Insurance: 69%

Youi: 67%

ANZ: 67%

Suncorp: 65%

NRMA :61%

AAMI: 60%

Apia: 59%

Budget Direct: 58%

Everyday (Woolworths): 57%

Allianz: 55%

GIO: 55%

CBA: 51%

CGU: 48%

Qantas: 42%

Notes: CHOICE conducted a survey of 1682 policyholders of home insurance across Australia in March 2025. Quotas were applied for representation in each age group, gender and location to ensure coverage in each state and territory across metropolitan and regional areas.  Ratings for specific insurers were only given by current customers of that insurer.

Customer satisfaction with car insurance

Of the RAA customers we surveyed, 91% rated their experience with car insurance as above average or excellent.

Text-only accessible version

Car insurer customer satisfaction

Rated as above average or excellent

RAA (South Australia): 91%

RACQ (Queensland): 85%

Youi: 77%

RAC (Western Australia): 77%

GIO: 75%

Shannons: 74%

NRMA Insurance: 72%

Woolworths Everyday: 71%

Qantas: 70%

Apia: 68%

Suncorp: 68%

RACV (Victoria): 64%

AAMI: 62%

Budget Direct: 62%

Allianz: 61%

Notes: CHOICE conducted a survey of 1800 policyholders of car insurance across Australia, including comprehensive car insurance, third party fire & theft insurance and third party property car insurance. Quotas were applied for representation in each age group, gender and location to ensure coverage in each state and territory across metropolitan and regional areas. Fieldwork was conducted in March 2025. Ratings for specific insurers were only given by current customers of that insurer.

How does RAA rate on claims?

Home insurance claims

RAA received one of the highest results in our survey with 89% of its customers who had made a claim rating the claims experience as above average, or excellent.

RAA also recieved good results from its car insurance customers, with 84% of those who had claimed rating them as abover average or excellent. Although there were only a small number of these customers, so the results for car insurance claims should taken as an indication only.

Does RAA offer insurance discounts?

RAA offers various discounts for insurance, including: 

  • 10% multi policy discount on each policy when you hold three or more insurance policies with RAA in the same name  (excluding travel Insurance)
  • 10% discount on a combined home & contents policy
  • Seniors Card holders also get a 10% discount on their car insurance policy, a 15% discount on their home and/or contents insurance, and 15% discount on their landlord and short stay insurance policy
  • discounts are also available for long-term members.

Does RAA let you claim online or in-app?

You can start home, contents, car and some other insurance claims online. However, car claims involving three or more vehicles, motorcycle insurance, landlord insurance and some other claims need to be lodged over the phone.

RAA has an app which includes roadside assistance and fuel savings but not insurance.

24/7 claims helpline: Yes