RACQ car insurance

RACQ's overall rating for car insurance

(as rated by the Mozo community)

8.3 / 10

based on 1212 reviews

RACQ is based in Queensland, owned by Queenslanders, and is designed for life in Queensland. So whether you’re driving around town or going off-road, you can protect your wheels in the sunshine state with an RACQ car insurance policy. Check out the details below:

RACQ offers the following car insurance policies

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

Yes costs extra

up to 60%



*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).

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Frequently asked questions about RACQ car insurance

Should I opt for the low or high excess option?

That’s up to you. With RACQ insurance, you can opt for either. If you choose low excess, you’ll pay a higher premium, but if you go for the high excess option, your premium will be lower. So it mostly depends on whether you’d rather pay more upfront, or pay more in the event that you make a claim.

How is my premium calculated?

In a nutshell, your premium reflects how likely the insurer thinks you are to make a claim. This can be predicted by looking at factors like:

How can I pay my premium?

There are a bunch of options for paying your RACQ premium, including:

You can choose to pay the premium in one lump, annual sum or you can make monthly repayments at no extra cost.

What discounts are available?

Now for the good part - discounts! You’ll want to snag all the discounts you can in order to keep your car insurance policy as affordable as possible. Some that are available from RACQ include:

What is covered by my policy?

Your car insurance policy is designed to cover unexpected costs, such as repairs when you’re in an accident. That means it doesn’t cover aging or wear and tear, but it will cover things like:

What optional extras can I add to my car insurance?

Although RACQ policies already cover much of the good stuff you need, you may want to add some extra covers. Some you could include in your policy are no claims discount protection, excess free windscreen claim, and cover for a hire car after an accident. 

How is RACQ rated by customers?

But what about the stuff you can’t put in a table or cover in a FAQs section? If only there was some place to find out how real RACQ customers would rate their policy, in terms of price, coverage and convenience. Oh wait - there is! Check out our customer review section for the details.

How to make a claim

If you do have to make a claim on your RACQ car insurance, make sure you have this information handy to make the process go smoothly:

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