Car Insurance Premium Calculator India
Estimate a car insurance premium using your insured declared value, an assumed own-damage rate, no-claim bonus, add-ons, third-party premium and GST. Real premiums are insurer-specific and can include many additional factors.
What affects car insurance pricing?
- Vehicle make, model, age and variant
- Insured Declared Value (IDV)
- Location and registration details
- Own-damage and third-party cover
- Claim history and NCB
- Add-ons and deductibles
- Insurer underwriting and applicable regulatory rates
How to improve accuracy: Replace the default own-damage and third-party assumptions with the figures shown in the current insurer quote or applicable regulatory schedule.
Frequently asked questions
Is this an exact insurance quote?No. It is a planning estimate and does not replace an insurer's quote.
What is NCB?No Claim Bonus is a discount that may apply based on eligible claim-free history, subject to applicable policy rules.
Important: Motor insurance pricing and regulatory premiums can change. Verify current premium components with IRDAI-regulated insurers and your policy documents.