Car Insurance Premium Estimator
Estimate your car insurance premium based on IDV, age, and coverage type.
₹
₹2,00,000₹2,00,00,000
yr
0 yr15 yr
yr
0 yr5 yr
Total premium
₹30,586
IDV
₹7,65,000
NCB discount
₹5,355
With an IDV of ₹7,65,000, your estimated annual comprehensive premium is ₹30,586, including your No Claim Bonus discount.
How this calculator works
Car insurance premiums combine an own-damage component (based on your vehicle's Insured Declared Value and age) with a fixed third-party liability component, reduced by any No Claim Bonus you've earned, plus 18% GST.
Worked example: a 1-year-old car with a ₹9,00,000 ex-showroom price (IDV ≈ ₹7,65,000 after 15% depreciation) and 1 claim-free year comes to an estimated annual premium of about ₹30,586, including the 20% NCB discount and GST.
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