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Car insurance for South Australians

With RAA Car Insurance, you can trust you're in good hands. Compare our four levels of cover, from comprehensive to third party.
Whether you're driving a brand new or second-hand car, you'll be prepared for the unexpected.

Get a quote, buy, or make a claim online 24/7.

Compare our four levels of cover

Premium Comprehensive

Standard Comprehensive

Third Party, Fire & Theft

Third Party

Premium Comprehensive

Standard Comprehensive

Third Party, Fire & Theft

Third Party

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    Accident: Your car

    We'll repair or replace your car if it's in an insured incident in Australia, including car crash.
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    $0 excess windscreen repair or replacement

    Repair or replacement of your windscreen, window or roof glass. With Premium Comprehensive, you won't pay an excess for windscreen or window glass breakage claims.

    With Standard Comprehensive, if you choose the optional cover, you won't have to pay an excess for the first repair or replacement in your policy term. You may have to pay the basic excess for any more claims.

    Unlimited - $0 excess
    Optional - One $0 excess
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    New vehicle replacement

    If you buy a brand new car and it's written off within 5 or 2 years of the initial registration date, we'll replace it with a brand new one.
    Included - 5 years
    Included - 2 years
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    $200 mobility benefit

    When your claim is settled, we'll make a $200 payment to you to help with transport costs you might have had after select incidents. 
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    Hail, storm and flood

    We'll cover your car if it's damaged by hail, storm or flood.
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    Fire

    We'll cover your car if it's damaged by fire, including bushfire.
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    Theft or attempted theft

    We'll cover your car if it's stolen or damaged in a theft or attempted theft.
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    Hire car following theft

    We'll cover part of the cost of a hire car for up to 21 days if your car is stolen.
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    Accidents: Other cars, property and people (legal liability)

    You're covered for up to $20 million in loss or damage to other people's cars and property and $5 million in costs from bodily injury or death of a person, caused by your car in Australia.
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    Choice of repairer

    You can use a repairer from our network or you can choose your own, they just need to meet our standards. Repairs must not be made without our prior consent.
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  • Repairs guaranteed for life

    Repairs are guaranteed for life on the quality of materials and labour used at RAA Approved crash repairers, as long as you continue to insure your car with us.
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  • Tools of trade

    We'll cover up to $3,000 for your tools of trade if they're accidentally damaged or stolen from your car.
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  • Personal effects up to $1,500

    We'll cover up to $1,500 to replace any personal items (except money) that are stolen from your car or accidentally damaged in an incident. 
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  • Emergency repairs

    We'll cover up to $750 for emergency repairs to your car so you can get to your destination or nearest repairer after an incident.
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  • Emergency travel and accommodation

    We'll cover up to $750 for emergency travel and accommodation if you're more than 100km from home and your car is stolen or can't be driven after an incident.
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  • Transport up to $150 following an incident

    We'll cover up to $150 for emergency transport (e.g. a taxi or rideshare) from an incident if your car can't be driven. 
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  • Malicious damage (like vandalism)

    We'll cover any malicious damage that happens to your car, like vandalism.
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  • Theft of keys

    We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.
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  • Towing and storage

    We'll cover the cost of towing your car if it's damaged in an incident. We'll tow it to the nearest repairer and, if needed, cover storage costs until it can be repaired.
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  • 14 day change of vehicle

    When you sell or replace your car, we'll cover the new car at the same level of cover for up to 14 days.
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  • Baby capsules, booster and child seats

    We'll replace baby capsules, booster and child seats if they're damaged in an incident or stolen while they're fitted to your car.
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  • Trailer cover up to $1,500

    We'll cover up to $1,500 for loss or damage to a trailer, if your car and trailer were both damaged in an incident. 
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Get a quote online

All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Compare our four levels of cover

Use the drop-down menus to compare options

Comparing 2 of 4

VS
Premium Comprehensive
Standard Comprehensive
Third Party, Fire & Theft
Third Party
Get a quote
Get a quote
Get a quote
Get a quote
  • 1

    Accident: Your car

    We'll repair or replace your car if it's in an insured incident in Australia, including car crash.
    fa-check
    fa-check
    fa-times
    fa-times
  • 1

    $0 excess windscreen repair or replacement

    Repair or replacement of your windscreen, window or roof glass. With Premium Comprehensive, you won't pay an excess for windscreen or window glass breakage claims.

    With Standard Comprehensive, if you choose the optional cover, you won't have to pay an excess for the first repair or replacement in your policy term. You may have to pay the basic excess for any more claims.

    Unlimited - $0 excess
    Optional - One $0 excess
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  • 1

    New vehicle replacement

    If you buy a brand new car and it's written off within 5 or 2 years of the initial registration date, we'll replace it with a brand new one.
    Included - 5 years
    Included - 2 years
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  • 1

    $200 mobility benefit

    When your claim is settled, we'll make a $200 payment to you to help with transport costs you might have had after select incidents. 
    fa-check
    fa-times
    fa-times
    fa-times
  • 1

    Hail, storm and flood

    We'll cover your car if it's damaged by hail, storm or flood.
    fa-check
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    fa-times
    fa-times
  • 1

    Fire

    We'll cover your car if it's damaged by fire, including bushfire.
    fa-check
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    fa-times
  • 1

    Theft or attempted theft

    We'll cover your car if it's stolen or damaged in a theft or attempted theft.
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  • 1

    Hire car following theft

    We'll cover part of the cost of a hire car for up to 21 days if your car is stolen.
    fa-check
    fa-check
    fa-check
    fa-times
  • 1

    Accidents: Other cars, property and people (legal liability)

    You're covered for up to $20 million in loss or damage to other people's cars and property and $5 million in costs from bodily injury or death of a person, caused by your car in Australia.
    fa-check
    fa-check
    fa-check
    fa-check
  • 1

    Choice of repairer

    You can use a repairer from our network or you can choose your own, they just need to meet our standards. Repairs must not be made without our prior consent.
    fa-check
    fa-check
    fa-check
    fa-check

  • Repairs guaranteed for life

    Repairs are guaranteed for life on the quality of materials and labour used at RAA Approved crash repairers, as long as you continue to insure your car with us.
    fa-check
    fa-check
    fa-check
    fa-check

  • Tools of trade

    We'll cover up to $3,000 for your tools of trade if they're accidentally damaged or stolen from your car.
    fa-check
    fa-times
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    fa-times

  • Personal effects up to $1,500

    We'll cover up to $1,500 to replace any personal items (except money) that are stolen from your car or accidentally damaged in an incident. 
    fa-check
    fa-check
    fa-times
    fa-times

  • Emergency repairs

    We'll cover up to $750 for emergency repairs to your car so you can get to your destination or nearest repairer after an incident.
    fa-check
    fa-check
    fa-times
    fa-times

  • Emergency travel and accommodation

    We'll cover up to $750 for emergency travel and accommodation if you're more than 100km from home and your car is stolen or can't be driven after an incident.
    fa-check
    fa-check
    fa-times
    fa-times

  • Transport up to $150 following an incident

    We'll cover up to $150 for emergency transport (e.g. a taxi or rideshare) from an incident if your car can't be driven. 
    fa-check
    fa-check
    fa-times
    fa-times

  • Malicious damage (like vandalism)

    We'll cover any malicious damage that happens to your car, like vandalism.
    fa-check
    fa-check
    fa-times
    fa-times

  • Theft of keys

    We'll cover up to $1,000 to replace your car keys, central locking remote controls or recode locks.
    fa-check
    fa-check
    fa-check
    fa-times

  • Towing and storage

    We'll cover the cost of towing your car if it's damaged in an incident. We'll tow it to the nearest repairer and, if needed, cover storage costs until it can be repaired.
    fa-check
    fa-check
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    fa-times

  • 14 day change of vehicle

    When you sell or replace your car, we'll cover the new car at the same level of cover for up to 14 days.
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  • Baby capsules, booster and child seats

    We'll replace baby capsules, booster and child seats if they're damaged in an incident or stolen while they're fitted to your car.
    fa-check
    fa-check
    fa-check
    fa-times

  • Trailer cover up to $1,500

    We'll cover up to $1,500 for loss or damage to a trailer, if your car and trailer were both damaged in an incident. 
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    fa-check
    fa-times
    fa-times
Get a quote online

All features and benefits in the table are subject to limitations and exclusions. For full terms, conditions, limitations and exclusions, please refer to the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Optional covers

Optional extras for your peace of mind

Hire Car Cover

If you get any level of Comprehensive insurance with us, you can add Hire Car Cover to your policy.

This will help with your hire car costs if you're in an incident.

Find out more

$0 excess windscreen repair or replacement

If you take out Standard Comprehensive cover, you can add this benefit to your policy. 

You'll get one repair or replacement of your window, windscreen or roof glass where you won't have to pay an excess.

You may have to pay the basic excess if you make more than one claim in the same term of your policy.

Get a quote online

We can help with more specialised car insurance options

If you’ve poured your heart and soul into preserving a classic car, it deserves special attention.

More about Veteran and Vintage insurance

If you’re having trouble finding cover for a unique vehicle, contact us about our Hard to Place car insurance.

More about Hard to Place car insurance



Why choose RAA insurance?



  • 10% multi-policy discount 

    We give you a 10% discount on each policy when you hold three or more insurance policies with RAA (excluding Travel Insurance) in the same name.*

  • 10% Seniors Card holder discount

    Seniors Card holders can get a 10% discount on their car insurance policy.*
  • Hand collecting coins

    Loyalty discount

    The more products you have with RAA and the longer you’ve been with us, the more you could save.*

  • Our claims are handled in SA

    You’ll always speak to a local who understands.

  • Shopping and entertainment discounts

    Access to our member benefits, so you can enjoy discounts to many stores throughout Australia and online.

  • RAA membership included

    When you take out an insurance policy, you and any other policy holders automatically become members and get access to great benefits.

*Discounts do not apply to optional benefits or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.



Frequently asked questions

  • What's the difference between covers?

    The three most common types of insurance are third party, third party fire & theft, and comprehensive.

    Third Party
    Covers damage caused by your car to someone else's vehicle or property.

    Third Party, Fire & Theft
    Covers damage caused by your car to someone else's vehicle or property, as well as cover for if your car is damaged by fire or stolen.

    Comprehensive
    Covers damage to your car, as well as damage caused by your car to someone else's vehicle or property, and cover if your car is stolen or damaged by fire.

    We offer two levels of comprehensive insurance. Check the comparison table to see the benefits for each type of cover that we offer.

  • What's the difference between CTP and Third Party insurance?

    Compulsory Third Party (CTP) covers your costs for the injuries of any other person hurt in an accident that involves your car. RAA doesn't offer CTP. It's compulsory to choose a CTP insurer when you pay your car registration and is entirely separate to Third Party insurance.

    Third Party insurance covers damage caused by your car to someone else's car or property. RAA does offer Third Party insurance. You may want to have RAA Car Insurance in addition to CTP.

  • What's the difference between our Premium and Standard Comprehensive cover?

    Both levels of Comprehensive insurance cover damage to your car, as well as damage caused by your car to someone else's vehicle or property, and cover if your car is stolen or damaged by fire.

    Premium Comprehensive is our car insurance with the highest level of cover. It has four benefits you can't get with Standard: 

    • Unlimited $0 excess windscreen repair or replacement
      Repair or replacement of your windscreen, window or roof glass. You won't pay an excess for windscreen or window glass breakage claims.
    • $200 mobility benefit 
      When your claim is settled, we'll make a $200 payment to you to help with transport costs you might have had after select incidents. 
    • Tools of trade
      We'll cover up to $3,000 for your tools of trade if they're accidentally damaged or stolen from your car.
    • 5 year new vehicle replacement
      If you buy a brand new car and it's written off within 5 years of the initial registration date, we'll replace it with a brand new one.

    Standard Comprehensive doesn't have the above four benefits, but it does have: 

    • 2 year new vehicle replacement
      If you buy a brand new car and it's written off within 2 years of the initial registration date, we'll replace it with a brand new one.
    • Optional cover: One $0 excess windscreen repair or replacement
      You can choose to add one $0 excess repair or replacement of your windscreen, window or roof glass to your Standard Comprehensive cover. You may have to pay the basic excess if you make more than one windscreen claim in the same term of your policy.

  • Am I covered if I accidentally scratch my car?

    Our Comprehensive Car Insurance includes cover for when you accidentally damage your car. We'll cover the cost of the repair for the incident, you'll just need to pay us any excesses that apply to you.

    Check the Product Disclosure Statement for limits and exclusions.

  • Do I have to pay an excess if an accident wasn't my fault?

    No, you won't need to pay an excess if we decide you were not 'at fault' for an accident.

    If you're not 'at fault' it means you could provide us with the details of who caused the accident, and after an investigation we decide that person's actions were the main cause, and not yours. 

    When no one is at fault like in a hail storm or if a tree falls on your car, or if you can't identify who caused the accident (e.g. if they hit your car in a carpark but didn't stop or leave a note) you'll still need to pay us any excesses that apply to you. 

    Check the Product Disclosure Statement for more information.

Read more FAQs



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Things you should know

The information included in this website and in our brochures is a summary and is intended as a guide only. Each section should be read subject to the full terms, conditions and exclusions as set out in the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD). RAA Insurance products are issued by RAA Insurance Limited, ABN 14 007 872 602, AFS Licence No. 232525.

Read our General Insurance Code of Practice and complaint resolution information.

For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.