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RAC Car Insurance Reviews 

20,717
•
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

(20,717)

11,853 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 3 out of 5 stars

Well a can’t give a review because a…

Well a can’t give a review because a haven’t used them yet hopefully a don’t need to call them but it’s more for a back up just in case you never know

24 November 2025
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi John,

Thank you for taking the time to leave us a review! We’re pleased to hear you’ve chosen us for peace of mind should you ever need us. We hope you won’t need to make a claim, but if you do, we’ll be here to help. Thank you for choosing us!

Vicky

Rated 5 out of 5 stars

Great to be paying £32 a month as it…

Great to be paying £32 a month as it used to be.

2 September 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

Go service

Easy and simple to renew, no hassle whatsoever.

19 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 5 out of 5 stars

Great customer service.

Great customer service.

8 September 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
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

Smooth switch

Used U Switch and the whole process having selected RAC went extremely smoothly.

29 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 4 out of 5 stars

Car insurance

It’s reassuring to get your car insurance with a reputable company

19 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 4 out of 5 stars

As I try to renew

As I try to renew the price was a little steep and it was when I went to leave that the price was adjusted to a more favourable one.

21 October 2026
Rated 5 out of 5 stars
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

I am happy with customer services and…

I am happy with customer services and communication in particular

21 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

I was overcharged because of an admin error

I was quoted a price, filled in all the details and paid. When I received the policy there was a mistake on it in that it didn't show the details of an SP30. I can only assume that this information was deleted when I was redirected back to tick a box that I had inadvertently missed. Perhaps I should have re-entred all the information on that page but I am 100% sure I originally gave this information. When I called to correct the mistake I had to pay a further £62.77 to make the change or pay £25 to cancel the policy. This is completely unacceptable.

17 September 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Julie,

We’re sorry to hear you’re unhappy with your experience and understand your frustration regarding the additional cost to amend your policy.

Your policy is set up based on the information provided in your quote, and we’re unable to remove details from the quote that you have entered. At the point of sale, we ask customers to carefully check all the information provided to ensure their policy details are correct. We also make customers aware of the applicable arrangement fee should they wish to cancel their policy.

We will be in touch.

Vicky

Rated 5 out of 5 stars

The information we received was very…


The information we received was very good and professional.

21 September 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
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

RAC car insurance

I am very satisfied with the cost of my car insurance with breakdown cover included. The price was not too different to last years quote.

18 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 4 out of 5 stars
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

Easy to renew insurance & very…

Easy to renew insurance & very efficient online staff that renewed it for me ! Good price & actually went down in price from the previous year which was an added bonus !

21 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 5 out of 5 stars

Great price

Great price

17 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 2 out of 5 stars

Card had changed so first payment…

Card had changed so first payment failed. I updated my card on the app expecting them to try again. But no I got an email saying I had to pay £20 admin fee. Wouldnt budge on a waiver.
I will not reinsure next year.

15 October 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Lynn,

Thanks for sharing your feedback with us. We’re really sorry to hear about your experience after updating your card details on the app.

We know how frustrating it is to get hit with an unexpected £20 admin fee, especially when you tried to sort the payment out yourself. We always want to be fair and helpful, so we’re disappointed we let you down here and left a bad impression.

We don't want to lose you as a customer, and we will be in touch with you to see how we can help resolve this for you.

Vicky

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