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Compare RACQ insurance

What to know about RACQ 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
Royal Automobile Club of Queensland insurance logo

The Royal Automobile Club of Queensland, RACQ, provides roadside assistance, motoring services, insurance, banking, travel and solar products. It has over 1.7 million members and was formed in 1905.

On this page:

Phone: 131 905

Website: racq.com.au

Who owns RACQ?

RACQ is a mutual company and owned by its members. Originally founded to provide advocacy for Queensland’s motorists, it started its insurance business in 1971.

Is RACQ Australian-owned? Yes

Is RACQ nonprofit? Yes

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

 Where does RACQ operate?

  • Queensland

Which types of insurance does RACQ offer?

How satisfied are RACQ insurance customers?

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

Customer satisfaction with home insurance

Of the RACQ customers we surveyed, 91% rated their experience with home insurance as above average or excellent. Only 9% of RACQ customers rated the insurer as average or below – not one respondent rated their experience with RACQ as poor.

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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 RACQ customers we surveyed, 85% 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.

Does RACQ offer insurance discounts?

RACQ offers various discounts for insurance, including: 

  • $25 off your first year when taking out car, home or contents insurance online
  • $50 off your first year when taking out combined home and contents insurance online
  • $50 off your first year per pet when taking out pet insurance online
  • up to 13% off a combined home and contents insurance
  • up to 5% off (for each policy) if you have multiple policies with RACQ. 

Does RACQ let you claim online or in-app?

You can start home, car and other insurance claims online. However, claim updates aren’t available online.

RACQ has several apps, including Roadside Assistance, but it doesn’t have one for insurance.