Best Car Insurance Companies In India 2022

There are 20+ best car insurance companies in India that provide car insurance policies. Every other insurance company sells unique car insurance policies with different features and add-ons. If you own a car then you must be aware of the mandatory legal requirement of a third-party car insurance policy as per the Motor Vehicles Act, 1988. However, purchasing a comprehensive insurance plan is a choice of the car owner.

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  • Save up to 85%* Lowest Car Premiums

  • 20+ Insurers To Choose From

  • 51 Lakh+ vehicles insured

*TP price for less than 1000 CC cars. All savings are provided by insurers as per IRDAI approved insurance plan. Standard T&C apply.

Top Plans
Cashless Garages
253
Plan type
Comprehensive
Starting from
₹ 2,727
Check premium
Claim Advantage
Self-Video Claims
Reimbursement Within 7 Working Days For Non-Cashless
Cashless Garages
268
Plan type
Comprehensive
Starting from
₹ 2,757
Check premium
Claim Advantage
Self-Video Claims
Reimbursement Within 7 Working Days For Non-Cashless
Cashless Garages
1024
Plan type
Comprehensive
Starting from
₹ 2,868
Check premium
Claim Advantage
Spot Claims Upto Rs. 30,000
Repair service at select cashless garages
See more plans

Above-mentioned prices are for a 7-year-old Maruti WAGON R AVANCE LXI (998 CC) registered in Gurgaon and 15 days before expiry of previous policy

Car Insurance Companies in India

Here is a list of car insurance companies in India and the number of network garages, Incurred claim ratio, PA cover details.

Car Insurance Company Cashless Garages Incurred Claim Ratio % 2020-21 PA Cover  Third-Party Cover Comprehensive Cover
Bajaj Allianz Car Insurance 1024 68.06% Rs. 15 lakhs Yes Yes
Bharti AXA Car Insurance 3742 64.27% Rs. 15 lakhs Yes Yes
Chola MS Car Insurance 4636 74.30% Rs. 15 lakhs Yes Yes
Digit Car Insurance N/A 74.91% Rs. 15 lakhs Yes Yes
Edelweiss Car Insurance 1268 93.38% Rs. 15 lakhs Yes Yes
Future Generali Car Insurance 3194 66.13% Rs. 15 lakhs Yes Yes
IFFCO Tokio Car Insurance 6757 84.04% Rs. 15 lakhs Yes Yes
Kotak Mahindra Car Insurance 2327 74.64% Rs. 15 lakhs Yes Yes
Liberty Car Insurance 4365 59.91% Rs. 15 lakhs Yes Yes
National Car Insurance 456 78.55% Rs. 15 lakhs Yes Yes
New India Assurance Car Insurance 456 78.20% Rs. 15 lakhs Yes Yes
Oriental Car Insurance 456 81.83% Rs. 15 lakhs Yes Yes
Raheja QBE Car Insurance 1000 100.51% Rs. 15 lakhs Yes Yes
Reliance Car Insurance 4779 76.89% Rs. 15 lakhs Yes Yes
Royal Sundaram Car Insurance 3868 87.89% Rs. 15 lakhs Yes Yes
SBI Car Insurance 2613 86.10% Rs. 15 lakhs Yes Yes
Shriram Car Insurance 2071 79.43% Rs. 15 lakhs Yes Yes
Tata AIG Car Insurance 1617 75.41% Rs. 15 lakhs Yes Yes
United India Car Insurance 456 96.45% Rs. 15 lakhs Yes Yes
Universal Sompo Car Insurance 1493 87.96% Rs. 15 lakhs Yes Yes
See More Plans
Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer. The ICR has been taken from IRDAI Annual Report 2018-19.

Key Points to Consider while Choosing the Best Car Insurance Policy in India:

While buying a top car insurance policy, you must consider the following key points:

Compare the Key Features Provided by the Insurance Coverage:

Draw a comparison of your shortlisted motor insurance policies to analyze if they all are providing the same kind of insurance coverage. Your insurance plan should include all the key inclusions in terms of a car (such as own damage cover) and provide you with coverage against a personal accident as well as for the injuries succumbed by a third party.

Review Add-on Riders as the Part of the Best Car Insurance Policy in India:

It is always recommended to pay adequate attention to all the add-on riders so that you can pick out the top car insurance policy in India with additional benefits. For your convenience, we have listed below a few crucial motor Insurance riders.

Engine Cover:

It provides an extra layer of protection by safeguarding you against additional expenses incurred due to car engine damage.

Third-Party Liability Coverage:

Third-party Liability coverage ensures the protection of the car owner against any financial liability that could be because of any bodily injury, death, and damage repair cost of a third-party motor.

Roadside Assistance Cover:

In case you are stranded because of the engine failure or an accident or if your car’s tire is punctured, you are provided with the option of availing roadside assistance. It will enable you to call your insurer and make a request to send a car mechanic at your location.

Zero Depreciation Cover:

When you make a selection to add zero depreciation cover to your car insurance policy, the depreciation on substituted car parts is waived off by your insurance company. It signifies that you are eligible for getting a higher amount of claim.

Personal Accidental Cover:

Personal accidental coverage ensures the financial protection to the vehicle owner against unexpected and unfortunate events that might induce physical trauma, or cause the accidental death, or the person might end up being a totally disabled permanently because of a road accident.

Consider Reviews of the Car Insurers:

Make sure you ask your extended family members and friends regarding their experiences with any specific motor insurance company. The feedback coming directly from your near and dear ones may provide you better insights about how its customer support and claim procedure work. It will help you to make an informed choice.

Options for a Flexible Car Insurance Coverage:

While buying the top car insurance policy in India, a flexible coverage is always significant. As the consumer base is varied, there is no ‘one-size-fits-all’ kind of policy. You must choose a car insurance policy depending on certain insurance needs. An insurance provider, which offers the flexi-coverage facility, must be given priority over other needs. This involves that if the insurance provider offers a pre-existing package that is tailor-made as per your needs and requirements, you must take a positive sign into consideration.

Compare Insurance Premium Online:

The Internet is flooded with so-called great deals. Don’t fall for them; they could be nothing but a trap. You can come across a decent deal online when you take some time out of your hectic schedule and search across the Internet.

While comparing car insurance policy online, keep the following points in your mind:

  • Compare various insurance policy offered by the different insurance providers.
  • Ensure that the comparison site computes the premium on the fixed IDV (Insured Declared Value).
  • Compare the insurance premium on at least 3 online insurance comparison sites.

Factors Affecting Your Car Insurance Premium

The factors determining the car insurance premium depend on the risks, which the insurance provider underwrites. These factors are categorised as under:

Risks Related to Car

The model of your car, cubic capacity, and fuel type etc. are a few parameters that determine the premium for your car insurance. Some care such as commercial cars and SUVs, i.e. Sports Utility Vehicle, often require higher premiums as insurance providers get a large number of claims on these cars. Usually, diesel cars have a 10-15% higher premium than petrol vehicles.

Risks Related to the Location

This is based on the registration area. Generally, the premiums are higher if the owner of the car lives in an urban area, densely populated area, or near highways. If theft or loss of the vehicle is higher in the area where you reside, then the car insurance premiums go up.

Risks Related to Driver of the Car

The profession and age of the driver are taken into consideration. In the case of multiple drivers of the car, you have to pay higher premiums.

Negotiation is the Key

When it comes to buying motor insurance, negotiate with your existing insurance provider. You never know you might end up getting an additional advantage if you have been a responsible driver and have not made way too many claims or filed too many accidents.

Safeguard Your No Claim Bonus (NCB)

If you are a responsible driver, and you haven't filed any claim, then you get the advantage of the No Claim Bonus (NCB). If you don't register any auto insurance claim for a year, then your car insurer rewards you with a No Claim Bonus. This is the discount that is subtracted from your insurance premium during policy renewal. As an option, you can go for NCB.

Check out the Claim Settlement Ratio (CSR)

Before you finalize a car insurer, last but not the least, consider the insurer’s previous record of claim settlement. Claim Settlement Ratio is the time taken by an insurer to settle down the claims from its clients. Proceed only when it is good. Don’t even think of buying the best car insurance policy in India if the CSR is not good. You can easily find the Claim Settlement Ratio of various insurers on the website of IRDA of India.

How to Choose Best Car Insurance Company in India?

Choosing the best car insurance company is not a mammoth task. But you need to be aware of the kind of protection you want for your car. With that, here are a few tips that will help you choose the top car insurance company in India. Take a look:

  • Analysing Car Insurance Needs – Before you choose the top car insurance company, you need to analyze your car insurance needs. You must know the level of coverage you are looking for as well as any specific add-ons that you want to buy. You should also be clear about the Insured Declared Value (IDV) of your car that you wish to get. Moreover, you should also be aware of the maximum premium that you can afford to pay for the policy.
  • Authenticity of the Motor Insurance Company – Now that you know your car insurance needs, you need to find authentic motor insurance companies in the market. You can check the authenticity of a car insurance company by checking its IRDA Registration Number. IRDA is the regulatory authority for insurance companies in India and It grants registration numbers to only genuine insurance providers.
  • Financial Ability of the Company – Besides checking the authenticity of the car insurance company, you must also check its financial standing. This will help you to understand the financial stability of the company and determine how likely it is to pay you the claim amount in the need of the hour. You can determine the financial stability of the company by going through its annual financial records and checking its solvency ratio.
  • Claim Settlement Ratio – Before moving ahead, you must check the claim settlement ratio (CSR) and incurred claim ratio (ICR) of the car insurance company. The CSR refers to the total percentage of claims settled by the insurance company. On the other hand, ICR refers to the total percentage of premium utilised by the insurance company against the total amount of premiums collected. You should look for a company with a higher CSR and ICR as it depicts a lesser chance of your claims getting rejected by the insurer.
  • Claim Settlement Speed – Besides claim ratios, you should also determine the claim settlement speed of the car insurance company. You should go for a company with a faster claim settlement speed as it represents that the insurer will pay you the claim amount as soon as possible.
  • Cashless Garage Network – Next, you should find out about the network of cashless garages available with the car insurance company. Cashless garages are the approved garages of the insurance company where you can get your car repaired on a cashless basis. A company with a larger cashless garage network is better as it ensures that you have a higher probability of finding a cashless garage in your city or neighbourhood.
  • Customer Service – The customer service of the car insurance company should also be determined while choosing the best motor insurer. The customer service enables you to get an idea about how easily will you be able to get in touch with the insurer and seek help. You must choose a company that provides round the clock services to its customers as you can contact them 24x7.
  • Online Comparisons – Online comparisons is the best way to find a car insurance company that best fulfils your insurance needs. If you compare car insurance policy by different motor insurers online, you will be able to analyse their coverage level, premium rate as well as the benefits offered. The ideal insurance company will provide you with maximum coverage without making you pay an exceptionally high premium price.
  • Customer Reviews – It is always better to check the customer reviews of various motor insurance companies before choosing any one of them. Reviews by existing or previous customers will help you get an idea of the kind of insurance experience you are going to have with the company. You must choose a car insurance company that has more positive customer reviews than negative ones.

Types of Car Insurance Policies In India

In India, car owners can buy two types of car insurance policies. They are:

Comprehensive Car Insurance

A comprehensive car insurance policy provides complete protection to the insured car. It protects the car from all kinds of unforeseen risks resulting from fire, accidents, theft, vandalism, natural disasters and manmade disasters. It also covers any third-party accidental liabilities that the policyholder is legally bound to pay. Moreover, this type of insurance also provides personal accident cover to the owner-driver of the insured car.

Third Party Liability Car Insurance

A third-party liability car insurance policy protects against any third-party liabilities of the policyholder arising out of causing accidental bodily injuries, death or property damages to a third party. This type of insurance does not cover any loss or damages suffered by the insured car or its driver.

Standalone Own Damage Car Insurance

A standalone own damage car insurance policy is provided by almost all car insurance companies. It provides coverage for only the own damages sustained by the insured car. It covers any loss or damages caused to the insured four-wheeler due to uncontrollable events, such as fire, natural disasters, theft, accidents and manmade calamities. This type of car insurance plan is available only if the car owner already has a third-party car insurance policy for the insured vehicle.

Car Insurance Renewal

Difference Between the Types of Car Insurance Policy in India

Insurance companies mostly offer three types of car insurance policy. Each plan provides different kind of coverage to the policyholder. Let us tell you the difference between the third-party liability insurance, standalone own damage insurance, comprehensive insurance and zero depreciation insurance:

Coverage Third Party Liability Car Insurance Standalone Own Damage Car Insurance Comprehensive car Insurance Zero Depreciation Car Insurance
Third Party Property Damages Yes No Yes Yes
Third Party Vehicle Damages Yes No Yes Yes
Bodily injuries/ disability/ death of the third party Yes No Yes Yes
Loss/ Damages to the insured car in an accident No Yes Yes Yes
Loss insured due to theft of the insured car No Yes Yes Yes
Loss/ Damages to the insured car in a natural calamity No Yes Yes Yes
Loss/ Damages to the insured car in a fire No Yes Yes Yes
Loss/ Damages to the insured car in a manmade calamity No Yes Yes Yes
Personal Accident Cover (if opted) Yes Yes Yes Yes
Mandatory by the law Yes No No No
Zero depreciation cover (if opted) No Yes Yes Yes
Other Add-on covers No Yes Yes Yes

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Overview of Best Car Insurance Companies in India

Here is a quick rundown of the top car insurance companies that you can consider to secure your car:

Car Insurance Companies

Features

Add-ons

Bajaj Allianz Car Insurance

  • Online policy issuance and renewal
  • Zero depreciation cover available
  • 24x7 spot assistance available
  • Self-vehicle survey and instant claim settlement with Motor-On-The-Spot
  • Voluntary excess discount
  • Anti-theft device installation discount

 

  • Depreciation shield
  • Key & lock replacement
  • Engine protector
  • Personal baggage
  • Conveyance benefit

Bharti AXA Car Insurance

  • Quick policy purchase online
  • 24x7 claim assistance
  • Cashless claim settlement at network garages
  • Depreciation cover
  • Consumable cover
  • Roadside assistance
  • Key replacement cover
  • Engine & gearbox cover
  • Personal accident cover for co-passenger
  • Ambulance charges
  • Invoice price cover
  • Hospital cash
  • Medical expenses

Chola MS Car Insurance

  • No claim bonus
  • 24x7 assistance
  • Online policy renewal
  • Vintage car discount
  • Recognized automobile association membership discount
  • Anti-theft device installation discount
  • Specially designed/ modified vehicle discount
  • Voluntary deductible discount
  • On-site minor repair
  • Repairs in preferred workshop discount
  • Waiver of depreciation
  • Roadside emergency assistance
  • Replacement keys
  • Fixed daily allowance
  • Personal belongings cover
  • Reinstatement value
  • Conveyance allowance
  • Monthly installment cover
  • No claim bonus protection
  • Disabled vehicle coverage
  • Insurance cost cover
  • Registration certificate lost cover
  • Consumables cover
  • Franchise benefit
  • Auto extension of policy
  • License loss cover
  • Loss of key cover
  • EMI cover
  • Vehicle replacement advantage cover
  • Chola value-added services

Digit Car Insurance

  • Easy online policy issuance
  • No claim bonus
  • 24x7 support
  • Doorstep pickup and repairs
  • Cashless repairs
  • Smartphones-enabled self-inspection
  • Super-fast claims
  • Zero depreciation cover
  • Breakdown assistance
  • Passenger cover
  • Consumable cover
  • Return to invoice cover
  • Tyre protect cover
  • Engine and gear-box protection cover

Edelweiss Car Insurance

  • No Claim Bonus (NCB)
  • Priority service at cashless garages
  • Faster claim settlements
  • Depreciation protect
  • Roadside assistance
  • Engine protect
  • Consumable expenses protect
  • Mandatory deduction protect
  • Invoice value protect
  • NCB protect
  • Personal belongings protect
  • Keys and locks protect

Future Generali Car Insurance

  • No Claim bonus (NCB)
  • Priority service at cashless garage
  • Faster claim settlements
  • Depreciation protect
  • Roadside assistance
  • Engine protect
  • Consumable expenses protect
  • Mandatory deduction protect
  • Invoice value protect
  • NCB protect
  • Personal belongings protect
  • Keys and locks protect

IFFCO Tokio Car Insurance

  • 24x7 roadside assistance
  • No claim bonus
  • Cashless claims at network hospitals
  • Zero depreciation cover
  • Engine protection
  • No claim bonus protection
  • Roadside assistance
  • Return to invoice

Kotak Car Insurance

  • Cashless service at network garages
  • No claim bonus benefit
  • Recognised AAI membership discount
  • Voluntary deductible discount
  • Roadside assistance
  • Consumables cover
  • Depreciation cover
  • Engine protect
  • Tyre cover
  • Return to invoice
  • Daily car allowance
  • Loss of personal belongings
  • NCB protect
  • Key replacement

Liberty Car Insurance

  • Transfer of no claim bonus from the existing insurer
  • Cashless claim services at network garages
  • Telephonic assistance
  • Claim settlement within 7 days
  • Renewal discounts
  • Depreciation cover
  • Gap value cover
  • Consumables cover
  • Roadside assistance cover
  • Key loss cover
  • Passenger assistance cover
  • Engine safe cover

National Car Insurance

  • Towing assistance
  • No claim discounts
  • Quick renewals
  • Nil depreciation
  • Invoice protect
  • Nil depreciation plus
  • NCB protect
  • Engine protect

New India Assurance Car Insurance

  • No claims discount
  • Towing assistance available
  • Cashless claims at approved garages
  • Loss of accessories
  • Personal accident cover for passengers and paid drivers
  • Legal liability to employees

Oriental Car Insurance

  • Anti-theft device discount
  • Voluntary deductible discount
  • No Claim Bonus (NCB)
  • Automobile Association Membership discount
  • Online policy renewal
  • Nil depreciation cover
  • Alternate car benefit
  • Loss of personal effects
  • Free emergency service benefit

Raheja Car Insurance

  • No Claim Bonus
  • Higher voluntary excess discount
  • Automobile association membership discount
  • Approved anti-theft devices discount
  • Zero depreciation
  • Consumable expenses
  • Engine protector
  • Key protect cover
  • Daily conveyance benefit
  • Return to invoice
  • Loss of personal belongings
  • NCB retention cover
  • Tyre and rim protector

Reliance Car Insurance

  • No claim bonus
  • Voluntary deductible discount
  • Automobile Association of India membership discount
  • Security device installation discount
  • Instant renewal sans paperwork
  • Nil depreciation
  • Consumables cover
  • NCB retention cover
  • Engine protector cover
  • Daily allowance benefit
  • Key protect cover
  • EMI protection

Royal Sundaram Car Insurance

  • Free roadside assistance
  • Automobile association of India membership discount
  • Voluntary deductible discount
  • Full invoice price cover
  • No Claim Bonus (NCB) protector
  • Tyre cover
  • Key protector
  • Depreciation waiver cover
  • Loss of baggage cover
  • Windshield glass cover
  • Spare car clause
  • Voluntary deductible cover
  • Engine (Aggravation) protector cover
  • Lifetime road tax clause

SBI Car Insurance

  • No claim bonus
  • Voluntary excess discount
  • Faster claim settlement process
  • Return to invoice
  • Engine guard
  • Depreciation reimbursement
  • Roadside assistance
  • Key replacement
  • Consumables cover
  • Loss of belongings
  • NCB protection
  • Inconvenience allowance
  • Hospital daily cash cover
  • Tyre and rim guard
  • EMI protector

Shri Ram Car Insurance

  • Instant policy issuance
  • Roadside assistance
  • Cashless repair
  • No claim bonus
  • Voluntary deductible discount
  • Anti-theft device discount
  • Automobile association discount
  • Zero depreciation cover
  • Return to invoice
  • Daily reimbursement
  • Personal belongings cover
  • Key replacement
  • NCB protection cover
  • Emergency transportation and hotel expenses reimbursement
  • Multi-car rebate

Tata AIG Car Insurance

  • No Claim Bonus (NCB) Protection available
  • Emergency roadside assistance
  • Recognized automobile association membership discount
  • Anti-theft device installation discount
  • Modified/ specially designed vehicle discount
  • Depreciation reimbursement
  • Courtesy/ hire car
  • Daily allowance
  • Return to invoice
  • Repair of glass, plastic, fibre and rubber parts
  • NCB protection cover
  • Loss of personal belongings
  • Key replacement
  • Emergency transport and hotel expenses
  • Engine secure
  • Consumable expenses
  • Tyre secure
  • Roadside assistance

United India Car Insurance

  • Vintage car discount
  • Automobile Association membership discount
  • No claim bonus
  • Anti-theft devices discount
  • Specially designed/ modified vehicle discount
  • Courtesy car
  • Medical expenses

Universal Sompo Car Insurance

  • No Claim Bonus
  • Anti-theft device installation discount
  • Voluntary excess discount
  • Specially designed/ modified vehicle discount
  • Nil depreciation cover
  • Daily cash allowance
  • Return to invoice
  • Accidental hospitalization clause
  • Roadside assistance
  • Key replacement
  • Cost of consumables
  • Hydrostatic lock cover
  • Secure towing
  • NCB protector
  • Engine protector

Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Bottom-line

While purchasing a car insurance policy it is important to check the policy features, the number of network garages offering cashless repair, add-on cover along with the incurred claim ratio of the company. You can select from any of the above-mentioned car insurance companies and choose the best motor insurance in India that offers you maximum coverage benefits at a nominal premium.

Car Insurance Companies FAQs

  • Q1. Which is the best company for car insurance in India?

    Ans: The best car insurance company may not be the same for everyone. Every car owner has individual needs and the insurer that fulfils his requirements optimally will be the top car insurance company for him. If you are looking to find the top car insurance company in India, you must make online comparisons between different motor insurers based on their coverage and benefits. Besides, you can also use a car insurance calculator to estimate the premium for different car insurance companies and select the plan that provides maximum benefits at the lowest rates.
  • Q2. How is the third party premium for car insurance calculated?

    Ans: The third party premium for car insurance is fixed by the IRDA or Insurance Regulatory & Development Authority of India every fiscal year. It depends on the engine cubic capacity (CC) of the car. Car insurance companies charge higher third party premium to cars with a higher engine CC.
  • Q3. What are the documents required to buy car insurance in India?

    Ans: A car owner is required to possess the following documents to buy car insurance in India:
    • Car insurance proposal form
    • Copy of the Registration Certificate of RC of the car
  • Q4. Do I need to inform my car insurance company if I change the CNG in my car to LPG?

    Ans: Yes. If you change your car’s fuel type from CNG to LPG, you need to contact your motor insurer and get the information updated in your policy document. This is important because the fuel type of your car is one of the factors that affect the premium price charged by car insurance companies.
  • Q5. Is it possible to change my car insurance company?

    Ans: Yes. You can change your car insurance company if you are unsatisfied with your current insurer at the time of your policy renewal. You can compare different car insurance companies based on the offered coverage, benefits as well as the claim settlement ratio.
  • Q6. Will my car insurance company pay me compensation equal to the IDV of the car?

    Ans: Your car insurance company will pay you a compensation amount equivalent to the IDV of your car only in case of total loss claims or if the total repair costs exceed your car’s IDV.
  • Q7. What will happen to my NCB if I switch my car insurance company?

    Ans: If you decide to change your car insurance company, your No Claim Bonus will be transferred to your new car insurance policy. However, you will be unable to use it until the next renewal.
  • Q8. What does partial claim settlement mean?

    Ans: Partial claim settlement refers to the situation where a motor insurance company pays a part of the claim amount to the policyholder because the repair cost is lower than the total IDV or claim amount for the car. It usually happens when the damaged car is inspected by a surveyor appointed by the car insurance company who infers that the damage cost will not be equal to the total IDV of the car.
  • Q9. What will happen if my car insurance policy has lapsed?

    Ans: In case your car insurance policy has lapsed, you will be provided with a grace period by your motor insurer to renew your policy. If you do not renew your policy even within the grace period, you will have to buy a new car insurance policy and will also lose out on your NCB.
  • Q10. Will I lose my NCB if I don’t renew my car insurance policy before expiry?

    Ans: No. Your No Claim Bonus will be protected for up to 90 days from the expiry date of your car insurance policy. If you still don’t renew your car insurance policy within these 90 days, you will lose out on your NCB.

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