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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.
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.
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.
Insurance Policy | Type | Average Price |
|---|---|---|
RAC Online | Third Party, Fire & Theft | £241[2] |
RAC Black Box | Fully Comprehensive | £1244[1] |
RAC Online | Fully Comprehensive | £297[1] |
RAC Online Plus | Fully Comprehensive | £340[1] |
RAC Plus | Fully Comprehensive | £292[1] |
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.
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:
You are covered to drive abroad for up to 60 days
You won’t have to pay out for window glass claims
Up to £250 is included for belongings in your car
A courtesy car to use while yours is being repaired at an approved garage
Up to £1,000 is included as standard
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
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
RAC offers the following add-on options for your comprehensive car insurance policy:
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
Pays out to cover the cost to replace a car seat damaged in an accident
Covers transportation back to your home or the cost of a hotel if you're away from home
Covers the cost of repairs following any vandalism incidents
Just give us a few details about yourself, your car, and the cover you need
You'll see how RAC compare to other insurers, making sure you're finding the best deal
You can tailor your cover by choosing any optional add-ons you want included
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.
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.
Yes, you can add up to three named drivers to your RAC car insurance.
Yes, you can pay for your car insurance policy via monthly Direct Debits or annually in one payment.
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Based on the median annual price of comprehensive car insurance policies sold through MoneySuperMarket in March 2025.
Based on the median annual price of third party, fire & theft car insurance policies sold through MoneySuperMarket in March 2025.
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