Queensland's largest motoring club and members' insurer, founded in 1905. RACQ consistently achieves the highest customer satisfaction scores in Australia for home insurance and ranks among the top performers for car insurance. Our review examines their full product range, pricing, and service.
In This Review
What is RACQ Insurance?
RACQ (Royal Automobile Club of Queensland) is Queensland's premier motoring club and one of Australia's most trusted insurance brands, serving members since 1905. With a mission focused on serving Queensland communities, RACQ offers a comprehensive suite of insurance products alongside roadside assistance, banking, and travel services. The organisation operates as a mutual, meaning it exists to benefit its members rather than external shareholders.
RACQ's insurance arm covers the full spectrum of personal insurance needs: car, home, contents, motorcycle, caravan, boat, travel, business, and pet insurance. Their standout achievement is customer satisfaction - CHOICE surveys consistently rank RACQ at or near the top for home insurance satisfaction (91%) and car insurance satisfaction (85%), placing them above every major national insurer in customer experience metrics.
The insurer's deep roots in Queensland give it particular expertise in the state's unique risk environment, including cyclone, flood, and storm exposure across coastal and inland regions. RACQ has invested heavily in community resilience programs and natural disaster response, which translates to practical claims handling experience when QLD weather events strike.
One important consideration is that RACQ insurance is primarily available to Queensland residents, and membership is required to access their full range of products and discounts. While this limits their national reach, it allows them to maintain a focused, community-oriented approach that drives their industry-leading satisfaction scores.
RACQ is a standout performer for Queensland residents seeking an insurer with proven customer satisfaction, broad coverage options, and strong community ties.
How do customers rate RACQ?
Disclaimer: Ratings sourced from public platforms and published surveys as of April 2026. Scores reflect editorial aggregation. Individual experiences will vary - verify current ratings on each platform directly.
What are customers saying about RACQ?
RACQ's home insurance claim process after the Moreton Bay floods was exemplary. They had dedicated teams on the ground within days.
The member discounts across car, home, and roadside make the annual membership fee pay for itself several times over.
Comprehensive car claim was handled efficiently. Chose my own repairer and RACQ covered everything without argument.
Pet insurance through RACQ has been great for our labrador. Two claims processed smoothly with reimbursement within a week.
Premium increases at renewal are frustrating, especially when you have not made any claims. QLD weather events seem to push everyone's prices up.
Wish RACQ was available outside Queensland. Had to find a new insurer when I moved to Sydney and nothing else compares.
Disclaimer: Review quotes are sourced from publicly available platforms and may be edited for length. They represent individual experiences and do not constitute financial advice.
RACQ Insurance Products
Comprehensive, third party fire and theft, and third party property damage cover. CHOICE top-rated for customer satisfaction with 85% positive reviews.
Building cover for QLD homes with 91% customer satisfaction - the highest rating of any home insurer in Australia according to CHOICE surveys.
Protection for your belongings inside the home, including portable items and valuables. Can be bundled with home insurance for additional savings.
Cover for dogs and cats including vet bills for illness and injury. Multiple tiers available from accident-only to comprehensive cover.
Domestic and international travel cover including medical emergencies, cancellation, luggage, and personal liability. Cruise cover available.
RACQ Insurance Pros and Cons
How much does RACQ Insurance cost?
RACQ premiums are generally competitive for Queensland residents, particularly when member discounts and multi-policy savings are applied. Pricing varies by product, location, and individual risk factors. Natural disaster levies in cyclone and flood-prone QLD postcodes can add to premiums.
Disclaimer: Pricing examples are indicative estimates based on publicly available information. Your actual premium depends on individual circumstances. Visit RACQ directly for an accurate quote. RACQ membership fees are additional to insurance premiums.
Your postcode significantly impacts premiums, particularly in cyclone-prone North Queensland or flood-affected areas. Coastal postcodes typically attract higher home insurance premiums.
A clean claims history reduces premiums through no-claim discounts. Recent claims, especially weather-related ones, can increase costs at renewal.
Long-standing RACQ members may access loyalty discounts. Multi-policy holders (e.g. car plus home) receive additional bundling savings.
Home insurance premiums are influenced by building materials, age, roof type, and elevation. Homes built to cyclone-rated standards may attract lower premiums in North QLD.
Choosing a higher voluntary excess reduces your premium but increases your out-of-pocket cost when claiming. RACQ offers multiple excess options across products.
RACQ vs Other QLD Insurers
| Feature | Feature | RACQ | Suncorp | NRMA QLD |
|---|---|---|---|---|
| Home Satisfaction (CHOICE) | 91% | 68% | 71% | |
| Car Satisfaction (CHOICE) | 85% | 70% | 72% | |
| Membership Required | Yes | No | No | |
| Flood Cover Included | Yes | Yes | Yes | |
| Cyclone Cover | Yes | Yes | Yes | |
| Pet Insurance | Yes | No | No | |
| Multi-Policy Discount | Yes | Yes | Yes | |
| Online Claims | Yes (App) | Yes | Yes | |
| Roadside Assist Bundle | Yes | No | Yes | |
| National Coverage | QLD only | National | NSW/QLD |
Disclaimer: Comparison based on publicly available product information as of April 2026. Features may change - verify details directly with each insurer.
Alternatives to RACQ Insurance
Brisbane-headquartered national insurer with strong QLD presence. Offers comprehensive car, home, and business insurance without membership requirements.
QLD-based online insurer offering competitive premiums with a no-frills approach. Strong car and home insurance products with award-winning digital experience.
Victoria's equivalent motoring club insurer. If you are moving from QLD to VIC, RACV offers a similar members-based model with broad product coverage.
Who is RACQ best for?
With 91% customer satisfaction for home insurance, RACQ is the clear leader for QLD homeowners seeking reliable cover with proven natural disaster response in cyclone and flood-affected regions.
Families who bundle car, home, contents, and other products through RACQ membership can access significant multi-policy discounts that make the annual membership fee well worthwhile.
RACQ's 85% car insurance satisfaction rating places it at the top nationally. Drivers who value responsive claims handling and quality customer service over the absolute cheapest premium will find RACQ a strong match.
RACQ's pet insurance offers up to 80% vet bill reimbursement with no breed exclusions, making it a competitive option for dog and cat owners who want to bundle pet cover with their existing RACQ policies.
Our Verdict on RACQ Insurance
RACQ earns its position as one of Australia's top-performing insurers through consistently outstanding customer satisfaction scores. A 91% home insurance satisfaction rating and 85% car insurance rating are not just marketing figures - they reflect genuine service quality that few competitors can match. For Queensland residents, RACQ represents a compelling combination of local expertise, proven claims handling, and member value.
The mutual structure means RACQ is genuinely oriented towards member outcomes rather than shareholder returns, and this shows in their community investment, disaster response capability, and willingness to cover high-risk QLD postcodes that some national insurers avoid or price prohibitively. The breadth of their product range - from car and home through to pet and travel - allows members to consolidate their insurance needs under one provider with meaningful bundling savings.
The main limitations are geographical and structural. RACQ is essentially a Queensland insurer, so residents of other states need to look elsewhere. Membership is required, adding a cost layer that needs to be offset by insurance savings. Premium increases, while driven partly by QLD's natural disaster exposure, remain a point of frustration for some members. Overall, for Queenslanders seeking reliable, well-rated insurance, RACQ is hard to beat.
Common questions about RACQ Insurance
How we research and rate insurance companies
This review is based on data collected from the following sources, last verified in 2026-04-01:
Our editorial scores (out of 10) are calculated using a weighted methodology that considers:
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Ratings reflect our editorial assessment based on publicly available data. Insurance needs vary - compare multiple providers and read the relevant PDS before purchasing. InsuranceCompared.com.au may receive commissions from partner insurers.
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