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List of Top Car Insurance Companies In India
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Car insurance companies present you with an insurance policy which protects & safeguards you & your car against various damages & risks that may result in financial losses. A car insurance policy can also be considered as a contract that is signed between an insurance company & the car owner. As per this contract, the car insurance company provides you & your vehicle protection against various damages or financial losses which may arise due to accidents, 3rd party liabilities, natural disasters, man-made calamities, fire and thefts.

The best way to protect your car is to look for a comprehensive car insurance plan from the best car insurance company in India to avail maximum financial protection.

Be it fire, theft, man-made/natural calamities, road accidents and more, a comprehensive car cover plan will protect you from damages caused by you and the third-party as well. Additionally, it is mandatory under the Indian Motor Vehicles Act, 1988 , to have a third party liability car insurance for every vehicle owner. Not having a third party liability car insurance is an offense as per rules.

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Types of Car Insurance Policy

Third Party Car Insurance
Third Party Car Insurance
Comprehensive Car Insurance
Comprehensive Car Insurance
Own Damage Car Insurance
Own Damage Car Insurance

20+ Best Car Insurance Companies in India September 2022 (IRDAI Approved)

India has 25 of the world’s best general insurance companies catering to the various general insurance needs of the Indian population. Here is a list of the best car insurance companies in India:

Top Car Insurance Companies Cashless Garages Network Incurred Claim Ratio 2019-2020 (%)
Bajaj Allianz Car insurance
4000+
88.83
Bharti axa Car insurance
5200+
87.99
Cholamandalam Car insurance
6900+
85.89
Digit Car Insurance
1400+
87
Edelweiss Car Insurance
1000+
116.31
Future Generali Car Insurance
2500+
88.69
HDFC ERGO Car Insurance
6800+
91.23
IFFCO Tokio Car Insurance
4300+
95.30
Kotak Mahindra Car Insurance
1000+
82.81
Liberty Car Insurance
4300+
97.00
National Car Insurance
NA
85.71
New India Assurance Car Insurance
1100+
89.60
Oriental Car Insurance
NA
101.63
Universal Sompo Car Insurance
NA
90.78
Reliance Car Insurance
3700+
84.26
Royal Sundaram Car Insurance
4600+
92.66
SBI Car Insurance
5400+
89.51
Shriram Car Insurance
1500+
65.43%
Tata AIG Car Insurance
NA
90.49
United India Car Insurance
700+
82.93
Raheja QBE Car Insurance
1000+
103.90

Update Date: Network Garages List Last updated on 22nd February 2021.

Note: All information has been sourced from the official website of the respective insurance companies. The Incurred Claim Ratio has been sourced from the Insurance Regulatory and Development Authority of India (IRDAI) Annual Report.

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HDFC ERGO Car Insurance
HDFC ERGO Car Insurance
Reliance Car Insurance
Reliance Car Insurance
Oriental Car Insurance
Oriental Car Insurance
Bharti AXA Car Insurance
Bharti AXA Car Insurance
Digit Car Insurance
Digit Car Insurance
Kotak Car Insurance
Kotak Car Insurance
Royal Sundaram Car Insurance
Royal Sundaram Car Insurance
National Car Insurance
National Car Insurance
SBI Car Insurance
SBI Car Insurance
Liberty Car Insurance
Liberty Car Insurance
Magma HDI Car Insurance
Magma HDI Car Insurance
Shriram Car Insurance
Shriram Car Insurance
Universal Sompo Car Insurance
Universal Sompo Car Insurance
ICICI Lombard Car Insurance
ICICI Lombard Car Insurance
Edelweiss Car Insurance
Edelweiss Car Insurance
United India Car Insurance
United India Car Insurance
Bajaj Allianz Car Insurance
Bajaj Allianz Car Insurance
IFFCO TOKIO Car Insurance
IFFCO TOKIO Car Insurance
New India Assurance Car Insurance
New India Assurance Car Insurance
Acko Car Insurance
Acko Car Insurance
Tata Aig Car Insurance
Tata Aig Car Insurance
Cholamandalam MS Car Insurance
Cholamandalam MS Car Insurance
L and T Car Insurance
L and T Car Insurance
Future Generali Insurance
Future Generali Car Insurance

How to Select The Best Car Insurance Company in India?

If you are not comfortable with car insurance , no worries. We are here to simplify the car cover plan for you! As mentioned above, it is advisable to select the right car insurance plan from the best car insurance provider. To help you with the same, here is a list of 5 things to consider when looking for a car insurance company:

customer service
Customer Service

The quality of customer service can say a lot about the insurance company. Look for existing customers and their reviews or experiences.

online facility
Online Facility

Check if the insurer provides an online facility for claim settlement. The online mode can save a lot of time, effort and money.

cashless garage option
Cashless Garage Option

Always look for cashless garages near your location. Check if your car insurance plan is covered in the list of network garages.

claim settlement ratio
Claim Settlement Ratio

This is the percentage of the total number of claims settled to the number of claims received. Go for a company with a higher claim settlement ratio.

value added services
Value Added-Services

Look for rider options such as zero depreciation, roadside assistance key replacement, engine protection cover and more.

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Overview of Top 10 Car Insurance Companies

HDFC ERGO Car Insurance

HDFC ERGO Car Insurance is one of India's largest car insurance companies currently conducting insurance business. It is a joint venture between HDFC Bank and ERGO International. The insurer has more than 1.5 crore plus customers. It has one of the largest lists of network garages across the country - 7400 plus.

Rider Options

Zero Depreciation, Key Replacement, Consumables Expenses, Roadside Assistance, Personal Accident Cover and Downtime Protection

Type of Plans

Liability Cover, Comprehensive and Standalone Cover

Value-Added Services

Overnight Car Repair Service, Unlimited Claims Service, 20 Minute Claim Approval Process

Edelweiss Car Insurance

Edelweiss General Insurance Company Limited is a part of Edelweiss Group, a multinational corporation of India. It is one of the leading car insurance companies in India that provides a type of comprehensive car cover plan.The company offers a wide range of private car insurance packages which are as follows.

Rider Options

Zero Depreciation, Key Replacement, Consumables Expenses, Roadside Assistance and NCB Protection

Type of Plans

Edelweiss Private Car Only Liability Insurance, Edelweiss Private Car Package Insurance

Value-Added Services

No Claim Bonus, Priority Service, Cashless Claims Settlement Process/Network Garages

Bharti AXA Car insurance

Bharti AXA General Insurance Company is another notable car insurance company in India. It is a joint venture between Bharti Enterprises and AXA. Bharti Enterprises is one of the leading financial conglomerates in India. The company offers a wide range of car insurance plans like third party car insurance, comprehensive car insurance and stand-alone damage cover.

Rider Options

Depreciation Shield, Key Replacement, Consumables Expenses, Personal Baggage, Ambulance Charges, Invoice Cover and Medical Expense Cover

Type of Plans

Comprehensive and Third Party Liability Cover, Standalone Damage Plan

Value-Added Services

Online Policy Buying/Renewal, 24x7 Assistance, Cashless Claims Settlement Process/Network Garages

Digit Car Insurance

Digit is one of the latest car insurance companies to enter the car insurance market in India. Being a start-up car insurance company, it has successfully entered into India's Unicorn Club (valuation above 1 Billion USD). The company offers a wide range of motor and health insurance products. It was ranked as the Top Indian Start-Up for 2019 and was awarded for being Asia’s General Insurance Company of the Year for 2020-2021.

Rider Options

Zero Depreciation, Passenger Cover, Consumable Cover, Return to Invoice Cover, Tyre and Engine Protection, Breakdown Assistance and Gearbox Protection

Type of Plans

Comprehensive and Third Party Liability Cover

Value-Added Services

Online Policy Buying, Cashless Service, Doorstep Service, Cashless Claims

Future Generali Car Insurance

Future Generali General Insurance Company Limited is a joint venture between the Future Group and Generali Group. The insurer has sold over 8.2 million (82 lakhs+) policies in India along with a strong corporate clientele of 3000 plus clients.

Rider Options

Zero Depreciation, Key Replacement, Consumables Expenses, Roadside Assistance, Personal Accident Cover and NCB Protection

Type of Plans

Comprehensive Cover, Liability Only

Value-Added Services

No Claim Bonus, Priority Service, Cashless Claims Settlement Process/Network Garages

Reliance Car Insurance

Reliance Car Insurance is one of the most popular car insurance plans offered by Reliance General Insurance Company Limited. The insurer has a list of 5000 plus cashless garage networks.

Rider Options

Zero Depreciation, Key Replacement, Consumables Cover, Roadside Assistance, Personal Accident Cover and Engine Protection Cover

Type of Plans

Comprehensive Car Insurance, Own Damage Car Insurance, Third-Party Car Insurance, Commercial Car Insurance

Value-Added Services

NCB, Voluntary Discount, Personal Accident Cover of Rs. 15 lakhs, Security Device Installation, Instant Renewal

Bajaj Allianz Car insurance

Bajaj Allianz General Insurance is one of India's foremost car insurance companies offering unique products. It is a joint venture between Allianz SE and Bajaj Finserv Limited. The company offers a wide range of two-wheeler, car, CNG Kit, and commercial motor insurance products.

Rider Options

Depreciation Shield, Key Replacement, Consumables Expenses, Personal Baggage and Engine Protection

Type of Plans

Comprehensive and Third Party Liability Cover, Commercial Vehicle Third Party insurance

Value-Added Services

Online Policy Buying/Renewal, Voluntary Excess Discount, 24x7 Assistance

IFFCO Tokio Car Insurance

IFFCO Tokio is a joint venture between the Indian Farmers Fertiliser Cooperative Limited and Tokio Marine Group. The insurer has over 4300 plus network cashless garages across India along with 20000 agents & branches across India.

Rider Options

Zero Depreciation, Key Replacement, Consumables Cover, Roadside Assistance, Personal Accident Cover and Engine Protection Cover

Type of Plans

Car Insurance by IFFCO Tokio, Private Two-Wheeler Policy

Value-Added Services

Online Buying/Renewal, Quick Claim Settlement, AI-Based Claim Assessment for Damaged Vehicles, Garage and Branch Locator

Kotak Mahindra Car Insurance

The Kotak Mahindra Group is one of the leading financial service providers in India and Kotak Mahindra Car Insurance is offered by Kotak General Insurance. It is a wholly-owned subsidiary of Kotak Mahindra Bank, one of the most popular private sector banks in India.

Rider Options

Zero Depreciation, Key Replacement, Consumables Cover, Roadside Assistance, Personal Accident Cover and Engine Protection Cover

Type of Plans

Liability Cover, Comprehensive Private Two-wheeler Package

Value-Added Services

20 Minute Claim Approval Process, AAI Members Discount, NCB/Premium Discounts, Cashless Servicing
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Frequently Asked Questions

  • Q. Which is the Best Car Insurance Company in India?
    • There are plenty of good car insurance companies in India. Currently, HDFC ERGO has one of the largest lists of network garages across the country.

  • Q. Do Car Insurance Companies Ask Proof of Marriage?
    • NO, car insurance companies in India do not require your proof of marriage for buying a car insurance plan.

  • Q. Which are Good Car Insurance Companies in India?
    • HDFC ERGO, Edelweiss, Reliance General are among the top car insurance companies in India. It is advisable to check the claim settlement ratio of the insurer.

  • Q. Are Car Insurance Companies Open on Saturdays and Sundays?
    • NO, car insurance companies do not operate on Saturdays and Sundays. But you can always file a claim 24x7 through their dedicated helpline number.

Show more

Top Car Manufacturers in India

Mahindra Insurance
Mahindra
Maruti Suzuki Insurance
Maruti Suzuki
Hyundai Car Insurance
Hyundai
Tata Car Insurance
Tata
Audi Car Insurance
Audi
Skoda Car Insurance
Skoda
Mercedes-Benz Car Insurance
Mercedes-Benz
BMW Car Insurance
BMW
Fiat Car Insurance
Fiat
Nissan Car Insurance
Nissan
Volkswagen Car Insurance
Volkswagen
Toyota Car Insurance
Toyota
Honda Car Insurance
Honda
Renault Car Insurance
Renault
Chevrolet Car Insurance
Chevrolet
Ford Car Insurance
Ford
Abarth Car Insurance
Abarth
Ashok Leyland Car Insurance
Ashok Leyland
Aston Martin Car Insurance
Aston Martin
Bentley Car Insurance
Bentley
Datsun Car Insurance
Datsun
DC Car Insurance
DC
Ferrari Car Insurance
Ferrari
Force Car Insurance
Force Motors
ICML Car Insurance
ICML
Jaguar Car Insurance
Jaguar
Isuzu Car Insurance
Isuzu
Jeep Insurance
Jeep
Kia Car Insurance
Kia
Lamborghini Car Insurance
Lamborghini
Land-Rover Insurance
Land-Rover
Lexus Car Insurance
Lexus
Mitsubishi Car Insurance
Mitsubishi
Rolls Royce Car Insurance
Rolls Royce
Maserati Car Insurance
Maserati

Insurance Plans for All Types of Motor

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Reliance General Insurer
Amount Covered: ₹ 1 Lakh
Deal Price: ₹ 2,094 / Year
Waiting period: 4 yrs

Disclaimer - Above mentioned prices are for a 2 years old Maruti Wagon R, 1.2 VXI AMT OPT (1197 CC) registered in Mumbai & previous policy has expired.

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Written By: Coverfox - Updated: September, 2022.
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