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RAC Car Insurance Reviews 

20,704
•
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

(20,704)

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

Not impressed

Not happy online

September 29, 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.

October 15, 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

easy to arrange

easy to arrange

October 15, 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

Efficient. Friendly

Efficient. Friendly.

October 23, 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

Prompt

Prompt, with replies.

October 13, 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

Easy renewal at a competitive price

Easy renewal at a competitive price. Nice bonus to get roadside assistance as part of the cover

October 15, 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

Easy to renew

September 20, 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 tried updating my expired payment…

I tried updating my expired payment method on your website several time , was told it was updated , and payment accepted , then another email later to say my policy would be cancelled if payment wasnt made, updated my payment method once again and same response , plus a £20 late payment fee. Eventually had to phone you, 30minute wait, to get sorted so that I had reassurance that my vehicle was actually insured, which it was if I paid my premium AND late payment fee..... dialabolical customer relations approach.

October 17, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi,

Hi there, thanks for leaving us a review and sharing your experience.

We're really sorry to hear about the trouble you had updating your payment details online and the frustrating wait on the phone. We completely understand why being charged a late payment fee in this situation felt so unfair.

We will be in touch with you to see how we can help and get this sorted for you

Vicky

Rated 5 out of 5 stars

A happy customer

I have insured our car and had the breakdown service with the RAC for many years and have always been very happy with the service provided. All aspects of the service is very good with very polite and helpful staff. Many thanks, Peter Giles

October 15, 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

Car Insurance

I recently renewed my car insurance with RAC which was a relatively straightforward process online. I changed my car shortly after the renewal & asked for a new quote. This was over £400 more than another quote from another well known insurer so I cancelled my RAC policy but am still waiting for the promised refund. This is another example of a company that is very quick to take money & very slow to return money owed

October 11, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi there. Thanks for taking the time to leave your review and let us know about your experience.

We're glad to hear renewing online was simple, but we're really sorry for the delay with your refund. We completely understand why this is frustrating, especially after choosing to cancel due to the price difference.

Please be assured that we will be in touch with you to see how we can help and get this sorted out for you.

Vicky

Rated 5 out of 5 stars

Easy application

Easy application, reasonable cost.

October 7, 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 3 out of 5 stars

Complicated and confusing. The first person we were connected to

The first person we were connected to, after being on the phone for a long time couldn't renew our insurance. We were then passed to "Sean" who was excellent and completed the renewal in minutes. Thank you "Sean"

October 18, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi John,

Thank you for taking the time to leave your lovely feedback about Sean and choosing to stay with us for another year.
I am sorry that you were unhappy at having to be transferred to a specialist agent to make sure that your query offered the best outcome.

Vicky

Rated 5 out of 5 stars

Best priced for all the car insurance…

Best priced for all the car insurance requirements I have and £200cheaper than my previous insurers renewal quote.

October 16, 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

Easy to use and great price with…

Easy to use and great price with everything I needed, so I have nothing else to add.

October 8, 2026
Unprompted review
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 follow website guidelines and…

Easy to follow website guidelines and good premium level for '26/27

October 8, 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

Been with RAC for a couple of years…

Been with RAC for a couple of years now, they keep me well informed, Happy with the service they provide for me.

October 19, 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

Easy online

Easy to get a quote and price competitive

October 7, 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

Every thing went smoothly

September 22, 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

Although I am not a lover of online…

Although I am not a lover of online things it was quite painless.

October 19, 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

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