RAA car insurance

RAA's overall rating for car insurance

(as rated by the Mozo community)

8.4 / 10

based on 353 reviews

RAA has been keeping South Australians and Broken Hill residents safe on the roads since 1903 and is now a leading general insurer, offering policies to protect your car, home and contents, boats and caravans.

RAA is independently owned and underwrites its own car insurance policies - so you know you’re dealing with people who know the product inside and out. And customers clearly think they're kicking goals – RAA took out three wins in the Mozo People's Choice Awards in 2020.

Check out the details of an RAA car insurance policy below:

RAA offers the following car insurance policies

Product Monthly premiums available Maximum no claim discount Online discount Choice of repairer


up to 70%



*Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

Frequently asked questions about RAA car insurance

What’s covered under an RAA policy? 

It’s important to have a good idea of what’s covered by your policy so that you can make successful claims. Here are some of the main things covered by your RAA comprehensive policy:

Remember that modifications, the cost of a rental car after an accident and rental car liability are all things you can add to your cover as an optional extra.

What isn’t covered?

Even a comprehensive car insurance policy doesn’t cover everything - your policy is mainly designed to cover you for accidents and vandalism, not breakdowns or natural depreciation. Here are some of the exclusions from your RAA policy that you should keep in mind:

Can I choose what excess I pay?

Absolutely. Most car insurance policies come with the choice of paying high or low excess and RAA is no different. Might sound like a no brainer, but here’s the catch - if you choose to pay low excess, you’ll pay a higher premium upfront. And if you want to lower your premium, you can do so by opting for a higher excess.

You’ll need to decide what’s better for your budget.

What discounts are available?

Discounts can really help to keep your car insurance costs low - so make sure you know which ones you’re eligible for. RAA discounts you might be able to snag include:

How is my premium calculated?

Generally speaking, car insurance premiums are calculated depending on your risk factor - the more likely you are to need to make a claim, the higher your premium will be. But how does RAA work out how risky you are? Well, a heap of factors go into the decision, including:

How is RAA car insurance rated by customers?

We figure RAA must be doing something right by its customers - after all, it did win a Mozo 2016 People’s Choice Award for its car insurance policies. Want to find out why? You can read all about it in our customer review section.

How to make a claim

If you need emergency assistance, you should contact RAA over the phone. If you’ve had an accident but it’s not an emergency, you can get in contact either over the phone or online for most claims.

When you make the claim, it will be faster and easier if you have a few things ready, including:

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