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Home / Motor Insurance / Car Insurance / Car Insurance Premium Calculator

Quick Quote for your Car Insurance

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I hereby authorize HDFC ERGO General Insurance to contact me before 10pm. I agree that this consent will override my NDNC registration.

Car Insurance Calculator Online – Calculate the Premium & Save Money

Findings out the premium for your car insurance policy is important so that you know the expected cost of the cover. This is where car insurance premium calculators come into the picture. These calculators are online tools that allow you to calculate your car insurance premium before you actually buy or renew the policy. Regarded as a useful tool for both insurance providers and their customers, the calculator simplifies the complex process of determining insurance premiums. The money that you pay to your insurance provider against your car insurance coverage is the car insurance premium. The premium is calculated by considering various factors such as the type of the car, its make, model and variant, the IDV and coverage preferences.

The calculator is free to use and can be used to find the premium across multiple insurers so that you choose the right plan that offers the most competitive rate of premium. It thus allows you to make informed decision-making, enabling you to choose the right coverage that suits your needs and budget. Read on as we discuss all about car insurance premium, how it is decided and how the car insurance calculator plays an important role in finding you the best car insurance plan.

The money that you pay to your insurance provider against your car insurance coverage is the car insurance premium. The premium depends on a number of factors, such as the type of insurance you opt for, the car that you are insuring and also your driving history.

How is the Car insurance premium amount decided?

Car insurance calculation is determined based on various factors as below,

● Type of insurance you are opting for

● Type of the car including model, engine’s capacity, car’s age, fuel type, registration location, etc.

● Price of the car

● Add-on cover protects your car widely, however, the more the add on the higher is the premium.

What is a Car Insurance Premium Calculator?

A car insurance premium calculator is a speedy online tool that helps you calculate car insurance premium amount that you would have to pay towards your car insurance policy. You need to include details such as your name, mobile number, car and city details, and preferred policy type. The premium calculator for car insurance will give you the exact premium amount instantly.

Importance of Using Car Insurance Premium Calculator

It is recommended to use the car insurance premium calculator and assess the cost of the coverage before you buy or renew the plan. Here are some reasons why –

It helps you ascertain the cost of the policy. That way you can make a provision for the premium in your budget
You can try and find an affordable premium by adding or removing add-ons and choosing the most appropriate IDV.
You can compare the quotes across different insurers to find the policy that offers the best deal. This also helps in saving your hard-earned money
You can check how the add-ons affect the overall premium of the policy
Can serve as a tool of protection against fraudulent deals wherein the premiums can be inflated

Benefits of Using a Car Insurance Premium Calculator

Here are some benefits that you can get from using car insurance premium calculators –

Free Tool

The car insurance calculator is a free online tool. You can use it multiple times without paying a dime.

Know the Premium Beforehand

Don’t make a blind purchase of your car insurance plan. Calculate and know the premium before you buy.

Plan Your Finances

Get to know the cost of the cover so that you can plan your finances in advance without feeling a pocket pinch.

Select the Right Plan

Compare the premiums of different car insurance plans to find the best deal on the policy. Select the right plan with the right coverage and the at the right cost.

Upgrade Your Coverage

Pick the right add-ons and see the additional premium payable. Upgrade your coverage with the relevant add-ons.

No Agent Needed

Calculate the premium yourself. All you need is a computer and an internet connection and you can calculate the premium yourself.

Information Required While Using Car Insurance Calculator Online

When using the car insurance calculator, keep the following information handy:

● The make, model, variant and fuel type of your vehicle

● The ex-showroom price

● Registration details- city and purchase year

● Previous policy details (In case of a renewal).

How To Use A Car Insurance Premium Calculator Online?

Using the car insurance premium calculator is simple. Just follow the below mentioned steps and calculate your premium instantly –

• Open the car insurance calculator online

• Provide the details of your car like its make, model and variant, registration year and location

• If you are renewing an existing policy, mention in the details of previous claims. Also mention the previous insurer and the policy number

• Choose the type of policy that you want – third party or comprehensive

• Click on ‘Submit’ or ‘Calculate’ and the Insured Declared Value and the premium amount would be shown

• You can edit the IDV and also opt for add-ons

• Depending on the changes made, the premium would be updated

• If you have added add-ons, the premium would be increased. You can also select the available discounts which would lower the premium amount

Once you finalise the coverage, the final premium amount, including GST, would be shown. You can pay the premium online and buy the policy instantly.

Factors Affecting Your Car Insurance Premium

There are different factors that affect the car insurance premium that you have to pay. These factors can either increase the premium or reduce it. Such factors are discussed below –

Type of Insurance Policy

Every insurance company offers two types of insurance policies for four-wheelers. third-party cover cover is the bare minimum policy, which is mandatory by Motor Vehicle Act, 1988 and covers only third-party damage. The comprehensive insurance provides all-round protection and provides coverage against theft, natural and man-made mishaps, and accidents along with third-party damage. Considering the benefits it offers, the premium for a comprehensive cover will be more as compared to the premium for third-party cover.

Type and Condition of Car

Different cars have different specifications and therefore, the cost of insuring them is also different. A car engine’s cubic capacity is the deciding component that affects the insurance premium. Higher the cubic capacity, higher will be the insurance premium. While the third party liability premiums are set by the IRDAI as per the car’s cubic capacity, the rate for comprehensive policies differs as per the age of the vehicle, type of car model and class of the vehicle, place of registration, fuel type, and the number of miles covered also affect the premium price.

Car's Market Value

The current price or market value of the car also affects the insurance premium. The market value of the car depends upon its brand and functionality. If the vehicle is old, its value would be lower due to depreciation. This would also involve lower premiums

Add-on Covers

Add-on covers can help in increasing the coverage, but the more the number of add-ons, the higher will be the premium. Therefore, choose only those covers that you deem necessary.

Car Modifications Done

Many people love adding accessories to their cars in order to improve its aesthetics and performance. However, these modifications are usually not covered under the standard insurance policy, and you might need to purchase an add-on cover for these modifications. However, adding these modifications to your insurance policy can increase the premium amount. It is recommended that if you plan to get your car modified, discuss the same with your insurer in advance.

Registration Date and Location

The registration date depicts the age of the car. If the car is older, the premium would be lower as its value would be lower. The registration location also impacts the premium amount. Cars registered in metro cities tend to have higher premiums than cars registered in non-metro cities.

Discounts Available

Car insurance plans allow different types of discounts. If you are eligible for the available discounts, the premium will be reduced. Your chances of getting a discount on the premium are generally higher when you buy car insurance online.

Previous Claims

Some insurers load the premium on renewals if you’ve had a claim in the previous year. So, depending on your claim experience, the renewal premium might be higher. Use the car insurance renewal premium calculator to check the effect of a previous claim on the renewal premium

NCB Available

The no claim bonus (NCB) is available if you do not make claims in the previous policy years. The rate of bonus starts from 20% and goes up to 50% depending on the number of successive claim-free years that you’ve had. If you have accumulated the no claim bonus, you get an equivalent discount on the renewal premium. Even if you go with a new insurer, your NCB will remain intact.

Choice of Voluntary Deduction

Voluntary deduction means that you undertake to pay a part of the claim yourself. If you choose this deduction, the insurer’s claim liability reduces and the insurer rewards you with a premium discount.

Lapse of Previous Policy

If your previous policy has lapsed then at the time of renewal, the insurer might charge a higher premium than renewing an active policy.

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How To Reduce Your Car Insurance Premium Amount?

There are ways in which you can reduce your car insurance premium. These ways are as follows –

Buy the car insurance policy online because many insurers offer a premium discount on online purchases
Renew your policy regularly to avoid premium increase due to lapsed coverage
Install safety devices in your car, approved by ARAI, to claim a discount
Become a member of a recognized automobile association to claim a premium discount
Do not make small claims. They wipe out the no claim bonus and you lose the discount on renewal. Moreover, you can also avoid claim-based loading on renewals if you do not make small claims
Opt for add-ons that are required
Compare and buy the policy to find the best deal across insurers
If your car is old and/or you do not use the car often, opt for a third-party coverage only
If you drive safe and do not incur too many claims, you can opt for a voluntary deductible and claim a premium discount

Use of Car Insurance Premium Calculator for New Cars

Premium calculator for car insurance is a free tool that helps in ascertaining the premium against the insurance of your car while choosing a plan for your new cars. The Car insurance online calculator provides quick and accurate calculations so that you can choose the most appropriate policy and add-ons for your car while staying well within your budget.

Car Insurance Calculator for Old Cars

The premium of your car insurance majorly depends on the age of the car. The older the car, the lesser the premium, and the lower the sum insured. Certain add on covers may not be available for vehicles more than 5 yrs age. Below is the step to calculate the premium online for old car insurance.

Input the details of the car, such as registration number, previous ownership details, etc.
Details of your previous insurer may be asked
Select the policy type you wish to buy and add riders if needed
Enter if you have any No Claim Bonus that can be claimed
Your premium amount will be calculated in no time.

Car Insurance Calculator for New Cars

The premium amount and the sum insured for a new car are higher compared to an old car’s Insurance premium. Given below are the steps to calculate car insurance premiums for new cars using a new car insurance calculator

● If you do not have the registration number yet, you can put the registration location

● Select the policy type and any add-ons if needed

● Instantly the premium amount will be displayed on the screen.

Car Insurance Calculator for Secondhand Cars

The car insurance premium calculator can be used for all kinds of cars. So, if you are buying a second-hand or a previously owned car, you can easily make use of the car insurance cost calculator. The process is quite similar to a new car insurance calculator. Take a look at the steps you need to follow:

Go to the car insurance calculator and fill in the details of the car. Keep the details like s registration number, previous ownership details, etc., handy
You may be asked for the details of the previous insurer
Choose the kind of policy you wish to buy
Select the IDV from the given range
Add any riders that you need
In case you have any accrued No Claim Bonus from your previous car, you can claim that
You will see the premium amount instantly.

Types of Car Insurance Policies in India

Generally, there are four types of car insurance policies offered by HDFC Ergo

Third-Party Liability cover

This is a mandated insurance cover that you need in order to drive on Indian roads as per the Motor Vehicle Act 1988, regulated by the Indian government. Any damage or loss to a third-party person or property because of an unintentional accident is covered by your insurance company.

Standalone own damage cover

Standalone own damage cover can be taken by those who already have the third-party cover. The damages to your car will be covered under the OD cover.

Comprehensive Cover

HDFC Ergo Comprehensive car insurance includes third-party insurance plus its own damage cover. You also get a lot of varieties in terms of riders/ add-ons.

Coverage for new cars

Under this plan, HDFC ERGO provides standalone own-damage coverage for a year plus third-party liability cover for 3 years. You can also include add-ons to your policy.

Car Comprehensive insurance premium calculator:

Comprehensive car insurance offers wide coverage, including third-party damage, own damage and a variety of add-ons. It is a policy that allows you to customise the plan as per your choice. This also stands for lengthy calculations and impacts of various add-ons. But don’t worry. Now you can easily calculate the premium of your comprehensive car insurance using a car insurance premium calculator. It will help you understand how car insurance is calculated and how various riders can impact the policy premium, helping you make a well-informed decision and choose the best plan.

Third Party Car Insurance Premium Calculator

The most basic and compulsory insurance is third-party insurance for your car. It only covers the damages or losses against a third-party person or property. You can use a car insurance calculator to determine the premium amount to make a provision in your budget.

Third-Party Car Insurance Premium Rates (1-Yr Policy)

Private cars	Premium amount	Policy Term
Cars with 1000cc	INR 2,094	1 year
Cars with 1000cc-1500cc	INR 3,416	1 year
Cars above 1500cc	INR 7,897	1 year

Long Term Third-Party Liability Premium Rates (3-Yr Policy)

Private cars	Premium amount	Policy Term
Cars with 1000cc	INR 6,521	3 year
Cars with 1000cc-1500cc	INR 10,640	3 year
Cars above 1500cc	INR 24,596	3 year

Third-party Electric Car Insurance rates

Here are the premium rates for new private electric cars:

Private cars	Premium amount for 1 year Policy Term	Premium amount for 3 years Policy Term
Cars below 30KW	INR 1,780	INR 5,543
Cars between 30KW-65KW	INR 2,904	INR 9,044
Cars above 65KW	INR 6,712	INR 20,907

Calculate Car insurance premium amount for Renewal

Car insurance calculator is necessary to determine the premium amount for renewal. First, it is quick, resulting in time-saving else. You would end up spending a lot of time and effort, as a lot of things go into calculating the renewal premium. It may end up being more confusing to do all the lengthy calculations. Car insurance online calculator, on the other hand, helps you to calculate the renewal premiums and add-ons accurately and in no time.

How To Reduce Your Car Insurance Premium Amount?

The moment you purchase a car, you are required to get insurance before you drive it on the road. While it is important to get wider coverage for your car, the tips given below may help you reduce car insurance premium amount:

Opt for higher deductibles

If you are confident enough about your driving skills, you can opt for voluntary deductibles where you confirm to compensate a percentage of the bill during the claim process. The higher deductible you choose, the lower the premium amount you pay.

Avoid comprehensive cover in old cars

Comprehensive insurance plans are the best ones for every car. However, if you have an old car and you do not use it much or are planning to replace it, you can choose to avoid comprehensive care and instead go for third-party insurance. As previously discussed, the premium of third-party liability insurance is much cheaper because of the limited coverage it offers.

Wisely choose the riders/add-on

The more add-ons you choose, the better coverage you will receive but keep in mind that it would also increase the premium amount. Hence, evaluate your needs and carefully choose only the relevant add-ons.

Policy renewal on time

Always try to renew your car insurance on time without fail. Otherwise, you will end up paying penalty fees for reinstating it, and in case of more delays, the policies are cancelled, and you are asked to go for a new insurance plan, which costs much more. While your insurer may offer you a 15-30-day grace period, keep in mind that claims raised in the grace period are not accepted.

Avail NCBs

No-claim Bonus or NCB is a reward given to policyholders who do not file a claim in an entire year. This reward is given as a discount on the renewal premium money which reduces your premium. So, avoid making small claims.

Place safety devices

The insurance provides the reward of a lower premium to people who install safety devices in their cars.

Maintain a good driving history

If you are a good driver, considering at your past record of driving, your insurance providers may allow some discount on your premium.

Go for car insurance online

Buy the car insurance policy online because many insurers offer a premium discount on online purchases.

Make smarter claims

Do not make small claims. They wipe out the no claim bonus and you lose the discount on renewal. Moreover, you can also avoid claim-based loading on renewals if you do not make small claims.

Explore Car Insurance Policies by HDFC ERGO

As a car owner your car insurance needs may differ from others. Therefore, we bring a variety of plans so that you can choose what best suits your needs and your budget. Car Insurance policies by HDFC Ergo include:

Comprehensive Car Insurance

Protects your beloved car from all kinds of natural as well as man-made damages. You also get to include add-ons to further enhance the coverage.

Third Party Car Insurance

Mandated by law, third party car insurance saves you from liabilities that may arise when driving on the roads. Make sure you have this cover to save yourself from legal obligations, too.

Standalone own damage insurance

Opt for a standalone policy when you already have third-party coverage but are looking for added coverage for your own vehicle.

Secondhand/ Old car insurance

An old car needs equal protection. Safeguard it with the right kind of car insurance.

Zero depreciation car insurance

Save yourself from the loss in value depreciation brings on to your car. Reduce your out-of-pocket expenses when you raise a claim.

Car Insurance Add-ons by HDFC ERGO

HDFC ERGO offers various add-ons against car insurance policies as below

Pay as you Drive

Under this add-on, you pay the premium based on your usage determined by the kilometre slab.

Zero Depreciation

Under zero depreciation add-on cover your insurance provider will pay you the complete claim amount without deducting the depreciation.

Engine and gearbox cover

Under this add-on, any damage to the car’s engine or gearbox is covered by your insurance provider in case of an accident.

Tyre Secure Cover

As the name suggests, the Tyre Secure Cover add-on covers accidental loss or damage to the tyres of your car. The add-on allows compensation and/ or replacement of the tyres under certain specified circumstances.

Roadside assistance

With road assistance cover, you get 24*7 refuelling service, repair service, towing etc, in case your car breaks down.

Return to Invoice

In case you lost your car because of theft or it gets damaged beyond repair, having a return-to-invoice cover can help you get the compensation for the original value of your invoice that includes taxes and registration cost as well.

No Claim Bonus Protection

No claim bonus is lost once you make a claim. So, in order to keep your bonus protected, you can purchase a claim bonus protection add-on. With this, you can raise 3 claims per year without losing your no-claim bonus.

Cost of Consumables

Your car is made up of numerous small yet important parts, such as nuts, bolts etc. In case of accidental damage, these small items can together have a significant effect on your expenses, as they aren't covered under regular cover. Consumable cover add-on can cut back on such costs.

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Frequently Asked Questions On Car Insurance Premium Calculator

1. What is a car insurance premium calculator?

A car insurance premium calculator is a free online tool provided by insurance companies or aggregator websites. It helps you estimate the cost of your car insurance policy by considering factors such as your vehicle details like model, variant, coverage type, and personal information. You can also customise the IDV (Insured Declared Value) as you want.

2. I want to obtain an insurance quote for my car. Where can I find the car insurance premium calculator?

You can find a car insurance premium calculator on a number of insurance company websites or insurance aggregator websites. The websites have calculator tools where you need to enter details like the registration number of your car. With HDFC ERGO, you can not only obtain a personalised insurance quote for your car but also enjoy competitive rates for the best car insurance services. Note that the calculator may show you different prices based on the premium plans you select.

3. What are the factors that affect the car insurance premium?

Several factors impact car insurance premiums, including your age, gender, driving history, location, car model, coverage options, and deductibles. Safer drivers and lower-risk areas tend to have lower premiums.

4. How does the car model affect the premium for your car insurance?

The car model affects your insurance premium because it reflects the vehicle's price, repair costs, and safety features. Expensive, high-performance or theft-prone cars often result in higher premiums. For instance, premiums for sports cars come at a higher cost than their standard counterparts. Moreover, vehicles with greater engine displacement or those fueled by gas or CNG generally incur elevated insurance premiums.

5. What is the basic premium in car insurance?

The basic premium in car insurance is the initial cost before any additional factors like add-ons, discounts, or modifications are considered. It's the core cost of your insurance policy

6. Does the location of the car impact the car insurance premium rate?

Yes, the location of your car can impact the insurance premium rate. The main reason for different insurance prices is how likely it is that someone will make a claim. In urban cities, there are more people and cars, which means more traffic and more accidents, as compared to rural towns. So, to cover the higher risk in these busy places, insurance typically costs more.

7. Why should you look beyond premiums while buying car insurance?

When buying car insurance, you should consider factors beyond just the premium. Look at coverage, deductibles, customer service, claim process, and the insurer's reputation to ensure comprehensive protection. Moreover, opting for a third-party insurance plan just to lower your premium leads to significantly higher repair costs. So, one must choose the right type of motor insurance for the best coverage.

8. Are there any discounts that can help reduce the car insurance premium quote?

Yes, there are many discounts. These discounts can be for safe driving, installing anti-theft devices, being a loyal customer, or bundling policies. NCB, or No Claim Bonus, is a discount provided by most insurers. If you avoid claims for 5 years, you can get a 50% reduction in your next year's premium. You can also save when you buy car insurance online. Use the car insurance cost calculator to get a fair estimate of the premium and any ongoing discount.

9. How do I find out the payable car insurance premium?

To find out your payable car insurance premium, you can use an online premium calculator provided by most insurance companies. On our home page, you can find the car insurance calculator. Enter the details like car model type, location, registration number and others for an estimate of the premium.

10. What are the details that I need to enter in the car insurance calculator?

Details needed for a car insurance calculator include your personal information, car manufacturing date, Insured Declared Value (IDV), usage patterns, the car's registration number, model, number of add-on covers, NCB, if any, deductibles and any additional features or add-ons you want to include. Besides, car variants, fuel types, age and gender, and RTO location are also mandatory.

11. How much is most car insurance a month in India?

Car insurance premiums in India can vary greatly. The charge will depend on factors such as the type of coverage, car model, location, driver's age, and claim history. To get a precise estimate, it's advisable to use the ccar insurance cost calculator and obtain quotes from different insurers based on your specific details and preferences.

12. How much is the average car insurance per month in India?

When it comes to comprehensive car insurance in India, there is no fixed price for the premiums. The cost of car insurance can vary widely, depending on factors like your location, car model, and coverage.

13. What is a 12 month premium car insurance?

A 12-month premium car insurance refers to a one-year insurance policy. It covers your vehicle for a full year, and you pay the premium once annually. The main advantage of a 12-month car insurance policy is that your rate remains fixed for a full year.

14. What is the premium for 10 lakh car insurance?

The premium that you need to pay depends on a number of factors. The type of cover, the current IDV, the add-ons chosen and your accrued NCB can influence your premium. The insurance cost for a 10 lakh car might range from INR 20,000 to INR 40,000 rupees. However, you should use the car insurance cost calculator to get a fair estimate of the amount that you will pay.

15. How to get the lowest premium on car insurance?

Car insurance shouldn’t be treated only as a legal mandate. Its benefits go way beyond, and thus, going for the lowest premium may not always be the best approach. However, to get the lowest premium on car insurance, maintain a clean driving record, look for available discounts, raise your deductible, avoid claiming for minor things, use anti-theft devices and transfer your no-claim bonus. Last but not least, shop around and compare prices.

16. Can I use a car insurance premium calculator at the time of my car insurance renewal?

Yes, you can use a car insurance premium calculator at the time of your car insurance renewal. The HDFC ERGO car insurance premium calculator helps you assess your existing policy and think about any changes that it may need.

17. What is the importance of a car insurance renewal premium calculator?

A car insurance renewal premium calculator is important because it allows you to compare your current premium with other available options. It ensures you get the best value for your coverage each year. Every car owner is different, and so are their needs. The renewal premium calculator lets you customise your coverage to suit your changing needs and budget.