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Compare RAC insurance

What to know about RAC insurance, including customer satisfaction ratings and available discounts.
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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
RAC

The Automobile Club of Western Australia provides insurance, road service, and advocacy for safer and more sustainable road use. For example, RAC  built a charging station network for electric cars in between Esperance and Monkey Mia in Western Australia. It has over 1.2 million members and was formed in 1905.

On this page:

Phone: 13 17 03

Website: rac.com.au

Who owns RAC?

RAC is a mutual company and owned by its members. It was originally founded to provide advocacy for Western Australia’s motorists and to create road maps and signage to make roads safer. It started its insurance business in 1947.

Is RAC Australian-owned? Yes

Is RAC nonprofit? Yes

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

 Where does RAC operate?

  • Western Australia

Which types of insurance does RAC offer?

How satisfied are RAC insurance customers?

In our customer satisfaction survey, RAC was rated the in the top four insurers for both car insurance and home insurance.

Customer satisfaction with home insurance

Of the RAC customers we surveyed, 78% 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 RAC customers we surveyed, 77% rated their experience with car insurance as above average or excellent.

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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 RAC rate on claims?

Home insurance claims

RAC ranked above the average for home insurance claims, with 71% of home insurance customers who had made a claim rating their claims experience as above average or excellent.

Car insurance claims

Of the insurers in our survey, RAC achieved an above average result, with 80% of customers who made a claim rating the company as above average or excellent.

Does RAC offer insurance discounts?

RAC offers various discounts for insurance, including: 

  • 25% on car insurance if you have a low emissions car
  • 15% if you combine your home and contents insurance
  • Up 25% on contents insurance if you have an RAC monitored alarm
  • Discounts are also available for long-term members.

Does RAC let you claim online or in-app?

You can start home, contents, car and some other insurance claims online. However, landlord, life and basic contents insurance claims can only be started over the phone. 

RAC has an app which includes Roadside Assistance and fuel savings but not insurance.

24/7 helpline: No (Monday to Friday 7am to 8.30 pm, weekends and public holidays 8.30am to 5pm).