Quick and easy
Just give us a few details about yourself, your car, and the cover you need
Why choose RAC car insurance?
The RAC (Royal Automobile Club) was founded in 1897 and introduced the first roadside emergency telephone boxes in 1912.
It’s probably best known for its breakdown assistance, but it now sells a range of different insurance policies.
These include cover for vans, caravans, and motorbikes. There's also short-term insurance, temporary insurance and classic car insurance on offer.
Away from vehicles, you can buy home and travel insurance from the RAC. The plus policy from the RAC gets five stars from Defaqto, while its basic policy is awarded three stars.
They have also been awarded Moneyfacts Car Insurance Provider of the Year for three years running.
Contact RAC
You can contact the RAC by phone on 0330 159 1019. If you need to make a change to your policy it’s 0333 0702 522. There is also an online form if you’d like to send an email.
How much do RAC car insurance policies cost?
These are the average prices of RAC car insurance policies across all drivers.
How much you personally pay will be influenced by your age, location, driving history and other factors.
Fully Comprehensive
£268^
Third Party, Fire & Theft
£760^
Price breakdown by policy
Insurance Policy | Type | Average Price |
|---|---|---|
RAC Online | Third Party, Fire & Theft | £240^ |
RAC Black Box | Fully Comprehensive | £1501^ |
RAC Online | Fully Comprehensive | £289^ |
RAC Online Plus | Fully Comprehensive | £315^ |
RAC Plus | Fully Comprehensive | £324^ |
Example car insurance quote from RAC
RAC
Great for
-
Courtesy car: comes as standard
-
Windscreen cover: comes as standard
-
Personal injury: comes as standard
But be aware that
-
Breakdown cover: available from £20.50
-
Legal cover: available from £31.49
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.
What car insurance products do RAC offer?
There are two levels of cover available with the RAC, its standard comprehensive policy and its ‘Plus’ comprehensive policy. If you need less cover there’s also third-party, fire and theft policies to choose from.
If you choose a standard comprehensive policy the following are included:
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European cover
You are covered to drive abroad for up to 60 days
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Windscreen cover
You won’t have to pay out for window glass claims
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Personal belongings
Up to £250 is included for belongings in your car
-
Courtesy car
A courtesy car to use while yours is being repaired at an approved garage
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Sat nav and sound
Up to £1,000 is included as standard
Can I cancel my RAC insurance and switch providers?
If you wish to cancel your RAC car insurance, you'll have to get in touch with RAC directly to discuss the following:
If your policy is coming up for renewal: Contact RAC to discuss cancelling before your policy automatically renews. If your policy hasn't expired yet, there may be a small admin fee to process your cancellation.
If you've just taken out a policy: As per UK law, you legally have a 14 day cooling off period where you can cancel your policy within this timeframe and won't be charged
If your policy has auto-renewed at a higher rate: Reach out to RAC to see if you can renegotiate or cancel your policy
What level of cover can I get with RAC?
RAC offer three levels of cover, third party fire and theft, comprehensive, and comprehensive plus:
Third party fire and theft cover: Basic level of cover that RAC offer, which basic protection if your car is stolen or damaged by fire, but doesn’t protect against the cost of repairs
Fully comprehensive: Offers a similar cover to most comprehensive car insurance policies, with features such as windscreen cover and courtesy car covered as standard
Comprehensive plus: Features all the benefits of a comprehensive policy, plus extra cover as standard, including uninsured driver promise and increased personal accident benefit
What add-ons can I get with RAC?
RAC offers the following add-on options for your comprehensive car insurance policy:
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Uninsured driver promise
If you’re hit by an uninsured driver and you supply us with their vehicle details, you won’t lose your No Claim Discount and we’ll refund your excess
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Child car seat cover
Pays out to cover the cost to replace a car seat damaged in an accident
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Transfer home or hotel stay after an accident
Covers transportation back to your home or the cost of a hotel if you're away from home
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Vandalism promise
Covers the cost of repairs following any vandalism incidents
Why compare RAC car insurance with MoneySuperMarket?
Comparing car insurance is easy, but here are a few more reasons to compare:
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Who underwrites RAC insurance?
If you buy RAC car insurance it will come from a range of insurers, such as Ageas, Aviva, AXA, Co-op Insurance and Zenith Insurance Plc.
Can I add other drivers to my RAC car insurance policy?
Yes, you can add up to three named drivers to your RAC car insurance.
Can I pay RAC in monthly instalments?
Yes, you can pay for your car insurance policy via monthly Direct Debits or annually in one payment.
How does MoneySuperMarket create and review the content on the website?
At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is car insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy car insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is car insurance eligible for Price Promise?
Yes, car insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 17 Dec 2025