RAC car insurance

The RAC provides complete peace of mind to more than 14 million personal and business members in the UK – catering for them across the board from breakdown assistance to insurance and a range of other motoring services. Each year the RAC's patrol force attends more than 2.5m breakdowns.

We compare car insurance from up to 168 insurers¹, including quotes from RAC. When you compare quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This means you may or may not get a quote from RAC.

You can find out more about RAC insurance below, or if you're ready to start comparing just click on the quote button.

¹Correct as of February 2025

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Why choose RAC car insurance?

Four different levels of breakdown cover to choose from as an optional extra
Uninsured driver and vandalism promise included with comprehensive plus cover
Online self-service centre to access your documents 24/7
Online only cover option available - ideal if you’re happy to self-serve online and
enjoy lower admin fees

Who is RAC?

Originally, founded as the Automobile Club of Great Britain in 1897, RAC was the first organisation to introduce uniformed patrols in 1901 and was given royal approval by King Edward VII in 1907.

Over the years the RAC has constantly innovated to meet the needs of its members. In 1912, it introduced roadside emergency telephone boxes while in 2000 it became the first breakdown company to develop a recovery towing system that could be deployed from the back of one of its patrol vans.

Fast forward to 2022, and the RAC was the first to launch an all-electric patrol van.

Today, all RAC patrols are equipped with the latest mobile diagnostic equipment – RAC Scan - which enables them to identify faults that would otherwise need to be dealt with by a garage. As standard, every RAC van carries more than 500 parts and tools which patrols use to fix four out of five breakdowns on the spot.

With its headquarters in Walsall in the West Midlands, and offices in Manchester and Bristol, the RAC employs approximately 4,000 dedicated staff.

BISL Limited arrange and administer RAC car insurance.

RAC policy details

RAC offers a range of cover from comprehensive, third-party fire and theft and third-party only. New customers can then choose from two levels of comprehensive cover, standard RAC Car Insurance and RAC Car Insurance Plus.

Third party fire and theft cover includes:

60 days EU cover
Repairs guaranteed for three years at approved RAC garages
£500 cover on sound and sat-nav equipment

Standard RAC comprehensive car insurance includes the above and also:

Courtesy car
Window glass cover
Emergency treatment
Replacement locks
Cover for accessories
Personal accident benefit

RAC car insurance plus covers everything standard cover does as well as the following:

Child seat cover
Courtesy car
Uninsured driver and vandalism promise
Travel home or hotel stay after an accident
Increased levels of cover on personal accident, personal belongings and medical expenses

The RAC offers a selection of car insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying car insurance, we recommend you check the cover and benefits included.

In 2024, RAC launched RAC Online. A self-service policy suited to drivers happy to manage their policy digitally whilst also benefitting from lower admin fees.

They also offer black box, temporary and learner driver insurance.