Calculate your car insurance premium instantly. Compare comprehensive and third-party insurance costs based on your vehicle details and get accurate quotes for November 2025.
With No Claim Bonus, your premium can be as low as ₹16,588
Third Party Premium (Fixed by IRDAI):
Car insurance premium is the amount you pay to keep your vehicle insured. It consists of two main components: Own Damage (OD) cover and Third Party (TP) liability. The OD premium varies based on your vehicle's Insured Declared Value (IDV), while TP premium is fixed by IRDAI annually.
In November 2025, comprehensive car insurance typically costs 2-4% of your vehicle's IDV, while third-party insurance has fixed rates based on engine capacity. Add-ons like zero depreciation and engine protection can increase your premium by 15-30%.