Compare car insurance
Choosing your cover
Whether you drive a brand new Toyota HiLux or a second-hand Mazda, it's important to have an insurance policy that meets your needs. We offer four levels of car insurance in South Australia. This includes two levels of comprehensive insurance and two levels of third party insurance.
Just trying to to find out the price? You can get a quote online 24/7 or call 8202 4567.
Comprehensive insurance
Comprehensive insurance offers cover for incidents like a crash, fire, storm and theft. It not only covers damage caused by your car to someone else’s car or property, it also covers damage to your own car.
There are two levels available. These are Premium Comprehensive and Standard Comprehensive Car Insurance.
You can compare both levels on our comprehensive car insurance page.
Third party insurance
Third party insurance covers damage caused by your car to someone else's car or property. It doesn't cover damage to your car.
If you're looking for more cover, we also offer Third Party, Fire & Theft Car Insurance.
You can compare both levels on our third party car insurance page.
I want to compare cover for:
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Repairing or replacing my car
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Keeping me moving
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My personal items
Compare cover to repair and replace your car
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New vehicle replacement
If your brand new car is written off within 5 years (Premium Comprehensive) or 2 years (Standard Comprehensive) of registration, we'll replace it with the same model or a comparable one if unavailable. If we can’t replace it within 90 days, we’ll offer a cash settlement.
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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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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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$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 on Premium Comprehensivefa-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.
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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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Fire
We'll cover your car if it's damaged by fire, including bushfire.
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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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Malicious damage (like vandalism)
We'll cover any malicious damage that happens to your car, like vandalism.
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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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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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Compare cover to repair and replace your car
Use the drop-down menus to compare options
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New vehicle replacement
If your brand new car is written off within 5 years (Premium Comprehensive) or 2 years (Standard Comprehensive) of registration, we'll replace it with the same model or a comparable one if unavailable. If we can’t replace it within 90 days, we’ll offer a cash settlement.
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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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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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$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 on Premium Comprehensivefa-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.
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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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Fire
We'll cover your car if it's damaged by fire, including bushfire.
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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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Malicious damage (like vandalism)
We'll cover any malicious damage that happens to your car, like vandalism.
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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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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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Compare cover to keep you moving
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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.
Premium Comprehensive onlyfa-times -
Hire car benefit
Covers the cost of a hire car following an incident, up to $90 per day for up to 21 days. Also covers you when hiring a car within Australia. If the car's damaged or stolen, we'll pay the excess you owe the hire car company, up to $4,000. You'll just pay your RAA basic excess.
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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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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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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.fa-checkfa-check
Compare cover to keep you moving
Use the drop-down menus to compare options
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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.
Premium Comprehensive onlyfa-times -
Hire car benefit
Covers the cost of a hire car following an incident, up to $90 per day for up to 21 days. Also covers you when hiring a car within Australia. If the car's damaged or stolen, we'll pay the excess you owe the hire car company, up to $4,000. You'll just pay your RAA basic excess.
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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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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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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.fa-checkfa-check
Compare personal items cover
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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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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.
Premium Comprehensive onlyfa-times -
Personal effects up to $1500
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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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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Compare personal items cover
Use the drop-down menus to compare options
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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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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.
Premium Comprehensive onlyfa-times -
Personal effects up to $1500
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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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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Why choose RAA?
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Multi-policy discount
We give you a discount of up to 10% on each policy when you hold three or more eligible insurance policies with RAA (excluding Travel Insurance) in the same name.* -
Seniors Card holder discount
Seniors Card holders can get a discount of up to 10% on their car insurance policy.* -
Shopping and entertainment discounts
Access to our member benefits, so you can enjoy discounts at many stores throughout Australia and online.
*Discounts do not apply to optional covers or statutory charges. A minimum premium applies. Discounts to your existing insurance policies will be applied at the next renewal of each policy.
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Discounted fuel for RAA members
Save 10 cents per litre by scanning your RAA membership card at participating SA stations. Plus, save 4 cents per litre when travelling interstate. Offer for a limited time and subject to change.
Conditions and transaction limits apply. Read full terms and conditions.
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It's better to be a member
RAA members can receive discounts on shopping and entertainment with RAA Rewards, enter exclusive competitions and access member-only services.
Plus, we love to reward our loyal members with savings on select policies and products.
You may also be interested in
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We're the winners of the national Canstar Most Satisfied Customers – Car Insurance Claims Award
In 2025 our members reported higher levels of satisfaction with their car insurance claims experience than those of other eligible insurers. We’re proud to have won the Canstar Most Satisfied Customers – Car Insurance Claims Award Australia.
We're here to help
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Monday to Friday, 8am to 6pm
Saturday, 9am to 5pm -
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Frequently asked questions
Visit our Help Centre for answers to FAQs, key documents and more
Things you should know
Allianz South Australia Insurance Limited ABN 14 007 872 602 AFSL 232525 (Allianz SA) is the insurer and Royal Automobile Association of South Australia Limited ACN 677 371 274 (RAA) issues this under binder from Allianz SA. RAA do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits, exclusions, and underwriting criteria apply. Before making a decision about this insurance, please consider the Product Disclosure Statement (PDS) and Supplementary PDS (if applicable) and the Target Market Determination (TMD).
Read the General Insurance Code of Practice and our complaint policy for further information about your rights.
For details on your rights and benefits as an RAA member, please refer to the Membership Terms and Conditions.
Find out how we support our vulnerable members.