There are several options for auto insurance in Australia, however RACQ Car Insurance is a well-known brand if you live in Queensland. Many Australian drivers now trust RACQ because of its established reputation, local knowledge, and member-first philosophy. In 2025, however, how does it compare? Let’s examine it more closely.
What is RACQ Car Insurance?
RACQ (Royal Automobile Club of Queensland) is more than just a roadside assistance provider. It offers a wide range of insurance products, including comprehensive car insurance, third-party, and compulsory third-party (CTP) insurance. Whether you’re driving a brand-new SUV or a trusty old hatchback, RACQ has tailored options to suit your needs and budget.
Types of RACQ Car Insurance Policies
Here’s a quick breakdown of what RACQ offers:
1. Comprehensive Car Insurance
This is RACQ’s most complete level of cover. It protects you against theft, accidents, fire, weather damage, and even vandalism. It also covers damage you cause to other vehicles or property.
Key Features:
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New car replacement (if your car is less than two years old and written off)
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Lifetime repair guarantee
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Hire car after theft or not-at-fault accident
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Windscreen and glass cover (excess-free optional add-on)
2. Third Party Property Damage
A budget-friendly option that covers damage you cause to other people’s cars and property—but not your own.
3. Third Party Fire and Theft
A middle ground between comprehensive and basic cover. It includes everything in Third Party Property plus cover for theft and fire damage to your vehicle.
4. CTP Insurance (Compulsory Third Party)
CTP is mandatory in Queensland, and RACQ makes it easy to manage this alongside your registration.
Why Choose RACQ Car Insurance?
There are plenty of car insurers in Australia—but RACQ stands out for a few key reasons:
Queensland-Focused
Unlike big national brands, RACQ is deeply rooted in Queensland communities. This local expertise can make a big difference when you need help fast.
Member Benefits
When you sign up for RACQ insurance, you become a member. This gives you access to:
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Discounts on fuel, movie tickets, and travel
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Free or discounted roadside assistance options
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Exclusive promotions and partner deals
Flexible Cover Options
RACQ offers a variety of excess levels, optional add-ons, and payment plans, so you can tailor your policy to suit your needs and budget.
High Customer Satisfaction
RACQ frequently receives high ratings for customer service and claims experience. Their commitment to fair, fast claims is a huge plus for Queensland drivers.
Things to Consider
While RACQ is a solid choice, it’s not always the cheapest. Some online-only insurers may offer lower premiums, especially if you’re outside Queensland. But what you might save upfront, you could end up paying for in limited coverage or subpar service.
Also, RACQ primarily serves Queenslanders—so if you move interstate, you may need to switch providers.
Final Verdict: Is RACQ Car Insurance Right for You?
If you live in Queensland and want a reliable, customer-focused insurer with great member benefits, RACQ Car Insurance is definitely worth considering. Its comprehensive cover, local support, and added perks make it a standout option in 2025.
Before locking anything in, it’s always smart to compare car insurance quotes online and read the PDS (Product Disclosure Statement). But for thousands of Aussies, RACQ continues to deliver peace of mind on the road.