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RAC Car Insurance Reviews 

20,743
•
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Evaluating 12,104 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the competitive pricing, noting that policies are affordable compared to other online providers. Many people find the official website extremely simple and straightforward to navigate when purchasing insurance. People frequently mention that setting up coverage is very fast, and the efficient service makes the entire renewal process completely stress-free. However, some customers also noted unexpectedly large price increases upon policy renewal or difficulties managing automatic subscription settings without proper notice. Some reviewers were not happy with late renewal quotes arriving after deadlines and expensive administrative charges applied to customer accounts.

What people talk about most

Price

Reviewers mention positive feedback about price, noting that the costs are very decent, competitive, and... See more

Service

Users describe positive interactions with service, highlighting an experience that went like clockwork and... See more

User experience

Consumers find user experience to be positive, highlighting that online forms and insurance applications are... See more

Website

Reviewers highlight positive aspects of website noting that the online platform is very easy to use, straight... See more

Subscription

Clients share ambiguous opinions on subscription, with many reviewers praising the ease of the process and... See more

Reviews shaping this summary

Rated 4 out of 5 stars

It was easy to find the correct level & type of car insurance which is the best for me. Also the price of this car insurance is less than my renewal offer from my previous insurers & a lot more was i... See more

Company replied

Rated 4 out of 5 stars

Renewal worked well, albeit 15% higher than previous year. Could have gotten a slightly better prise, but not worth the hassle of changing - this time. I am supposed to advise any changes to additio... See more

Rated 4 out of 5 stars

We joined RAC last year and i cannot give a review as we did not used their service. Until you call them out then you will know how efficient they are. The only problem was they had me on automatic re... See more

Rated 4 out of 5 stars

Had a competitive car insurance deal over the phone. All terms and conditions also read out. Both policy and other documents received via email immediately. Superb RAC service.

Company replied


Company details

  1. Insurance Broker
  2. also in
  3. Auto Insurance Agency
  4. Insurance Agency

Written by the company

The RAC has been providing peace of mind to motorists since 1897. We are dedicated to helping drivers across the UK with a wide variety of products. RAC Car Insurance offers drivers quality insurance, from a name you can trust with options to suit your needs. If you like to do everything digitally, RAC Online Car Insurance is for you! View your cover, make changes, or renew — all through your online account, 24/7. Cutting out the call centre makes RAC Online our cheapest car insurance option. If you prefer the reassurance of talking to the team, our standard RAC Car Insurance is a great choice. We’ve been named ‘Moneyfacts Car Insurance Provider of the Year’ five years in a row, so you know you’re in safe hands. Get your quote online today – direct from the RAC.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

21K reviews

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4.4

All reviews

(20,743)

11,898 reviews in the last 12 months

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Rated 3 out of 5 stars

A puzzle

A puzzle. I told the agent that I now do less than 5000
miles per year and asked her if this reduced the cost. She said the quote for 5000 mpy was more expensive.
Is this true. Although I was using RAC contact numbers the lady sounded more like an independent Agent. Could you confirm the increase in cost for less miles and was I direct to RAC

13 October 2026
Rated 5 out of 5 stars

A Good Process

My renewal was a fair price compared to other offers I received. The application process was clear and easy to understand.

21 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thank you so much for the wonderful feedback! It really means a lot to us. If anyone you know needs car insurance, refer them using the link below. You'll both earn a £25 e-gift card when they get insurance with us following your unique link. See details here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Brilliant service with an update with…

Brilliant service with an update with clear and concise information. Good choices and prices. All around excellent service

16 December 2025
RAC Car Insurance logo

Reply from RAC Car Insurance

Thank you so much for the wonderful feedback! It really means a lot to us. If anyone you know needs car insurance, refer them using the link below. You'll both earn a £25 e-gift card when they get insurance with us following your unique link. See details here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

User Experience

User Experience, price and what's on offer

15 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave a positive review. We're glad to hear everything went well when you bought your car insurance. If you know someone who needs car insurance, why not refer them? You can earn a £25 e-gift card for each successful referral, and your friend will benefit too: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

low price xxxxx

15 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave us such a positive review! If you want to recommend us, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 2 out of 5 stars

The application process was…UNECESSARILY COMPLICATED

The application process was straightforward, the outcome was expensive but at least I was insured. The problem came when trying to advise you of a Regd No change in order to use a personal regd no. The site offered no options for contact around this and the promised Chat Box was not available. This meant that on the day of car hand over I would have no insurance. Happily but some detective work on line I made contact with a very helpful staff member who resolved things for me, but it took several days to get to this point. It would be very helpful if chat boxes were made available from the point of acceptance.Complicated

7 October 2026
Rated 5 out of 5 stars

Exellent service

10 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thank you so much for the wonderful feedback! It really means a lot to us. If anyone you know needs car insurance, refer them using the link below. You'll both earn a £25 e-gift card when they get insurance with us following your unique link. See details here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Another great quote

Another great quote, giving everything we needed in car insurance easy to use app and portal.

1 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave a positive review. We're glad to hear everything went well when you bought your car insurance. If you know someone who needs car insurance, why not refer them? You can earn a £25 e-gift card for each successful referral, and your friend will benefit too: rac.co.uk/insurance/refer-a-friend

Rated 2 out of 5 stars

Actual renewal process

Actual renewal process, no issue.
Without not making a claim £300+
increase ??

20 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Ray,


Thank you for taking the time to share your feedback.

We’re glad to hear that the actual renewal process was smooth, but we completely understand your frustration regarding the £300+ increase when you haven't made any claims. Even with a clean driving record, overall industry costs like higher vehicle repair expenses can unfortunately push prices up across the board.

We will be in touch with you to see how we can help.


Many thanks,
Kirsty

Rated 5 out of 5 stars

Easy to manage

14 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thank you so much for the wonderful feedback! It really means a lot to us. If anyone you know needs car insurance, refer them using the link below. You'll both earn a £25 e-gift card when they get insurance with us following your unique link. See details here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Taking out motor insurance

Site very easy to access and to use>clear instructions what to do.Easy to add extras on such as home start.The price was very competitive too compared with others

14 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave a positive review. We're glad to hear everything went well when you bought your car insurance. If you know someone who needs car insurance, why not refer them? You can earn a £25 e-gift card for each successful referral, and your friend will benefit too: rac.co.uk/insurance/refer-a-friend

Rated 4 out of 5 stars

Been busy this time of year

Been busy this time of year it was simpler to renew with RAC.

15 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave us such a positive review! If you want to recommend us, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 1 out of 5 stars

Very disappointed

Very disappointed, I had a policy with them for a year. One month before the policy was up I bought a new car and asked if I could transfer my new car over. They declined because I missed a late monthly payment by 2 days (I paid it obviously). They said because the payment bounced I am too much of a risk factor for them. So I said ok I will go elsewhere for insurance, I asked them to cancel my renewal for my current insurance. They said they have done that for me. Renewal time came and they tried to automatically renew my contract, I managed to cancel that going through by going on my app and stop the money coming out. Scammers springs to mind, they don’t want to work with you or accommodate you.

23 October 2026
Unprompted review
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Shawn,

Thanks for sharing your feedback with us.

We’re really sorry to hear about your experience with transferring your car and your renewal. This isn’t the service we want for you, and we understand why you feel disappointed. We’d like to get this checked for you straight away.

So we can look into this for you, please email your policy details to socialresponders@bglgroup.co.uk. Your case will be dealt with by BISL Limited, who arrange and administer your car insurance policy on behalf of RAC.

Leanne

Rated 5 out of 5 stars
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave us such a positive review! If you want to recommend us, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Customer services was thorough and…

Customer services was thorough and empathetic

18 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave us such a positive review! If you want to recommend us, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 4 out of 5 stars

Renewal cost

The price was ok after negotiation.

23 September 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

It's great to know you were happy with our service. Thanks for the review! If you'd like to recommend us to anyone, just send them the link below. We'll give you both a £25 e-gift card after they join. See details here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

The lady was very helpful

The lady was very helpful

15 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

It's great to know you were happy with our service. Thanks for the review! If you'd like to recommend us to anyone, just send them the link below. We'll give you both a £25 e-gift card after they join. See details here: rac.co.uk/insurance/refer-a-friend

Rated 3 out of 5 stars

Not impressed

Not happy online

29 September 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Norma,

Thank you for choosing to stay with RAC insurance for another year!

I am sorry to hear that you are not completely happy with your RAC online-only policy. Are you aware that we do also offer RAC standard policies, which come with call center assistance as we try to cater for everyone?

I will be in touch with more information.

Vicky

Rated 4 out of 5 stars

RAC Car Insurance

Happy with service.

15 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave a positive review. We're glad to hear everything went well when you bought your car insurance. If you know someone who needs car insurance, why not refer them? You can earn a £25 e-gift card for each successful referral, and your friend will benefit too: rac.co.uk/insurance/refer-a-friend

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