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Calculate Your Car Insurance Premium Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

Have you made a insurance claim in the previous year?

What is a Car Insurance Premium Calculator?

A car insurance premium calculator can be understood as a digital or online method developed to assist you in attaining the actual premium amount. It requires you to fill up the basic details of your car such as your car’s make, car’s model, year of registration, RTO location, etc to get the correct insurance premium for your car. Entering all these details will make the insurance calculator generate a premium for you.

How to Use a Car Insurance Premium Calculator?

Step 1: Choose the Make, Model, Variant and Fuel Type of your car.

Step 2: Choose the Registered City and the Year of Purchase of your car

Step 3: Declare if you have made any car insurance claim against your car in the last policy term.

Step 4: Hit the ‘Calculate’ button to get the right IDV and premium amount for your car insurance.

Benefits of Car Insurance Premium Calculator

1. Right IDV – The calculator allows you to get the right IDV, which suits the make, model and age of your car. By acquiring the Right IDV, you can get the actual market value of your car in case of theft or any loss.

2. Correct Premium – No doubt, this is the basic reason for using this calculator. It helps in making available a lot of car insurance premium quotes to choose from. This will assist you in getting the best plans at the best prices.

3. Assist in Making an Informed Decision – With this calculator, you can easily make prudent decisions to safeguard your car. Besides, it assists you in understanding the factors involved in the computation of the amount of your car insurance premium.

4. Gives an Economical Approach – This premium calculator gives you the correct premium for your car which helps you compare available premium quotes and select the best deal as per your budget and requirement.

Third Party Car Insurance Premium Rates

Engine Capacity

Premium To Buy A New Policy (3-Year Plan)

Premium To Renew Existing Policy (1-Year Plan)

Under 1,000 cc

Rs. 5,268

Rs. 2,072

Between 1,000 cc and 1,500 cc

Rs. 9,534

Rs. 3,221

Above 1,500 cc

Rs. 24,305

Rs. 7,890

(Source: IRDAI)

Premium for Comprehensive and Standalone Own-Damage Car Insurance Plans

The premium for standalone own-damage and comprehensive car insurance plans depends on various factors such as make, model, and variant of the car, fuel type of the car, registration location of the car, and so on. Calculate your premium by entering the details of your car with the help of our premium calculator.

Factors Which Determine Car Insurance Premium

Given below are some factors that affect the premium for car insurance:

  • Insured Declared Value (IDV): IDV is the maximum amount that you can claim from an insurer in case your car gets damaged or stolen. IDV is decided by the insurer considering your car’s make, model, and variant. Higher the IDV of your car, higher premium you will be required to pay to get it insured.
  • Engine’s Cubic Capacity: Your car will require more consumables if its cubic capacity is higher. So, you will be required to pay a higher premium if you own a car with a higher cubic capacity and you want to get it insured, and vice versa.
  • Number of Add-Ons: Add-ons are additional coverage benefits that you can purchase with your car insurance policy. You can buy add-on benefits like zero depreciation, roadside assistance cover, etc by paying some extra premium and enhancing the coverage for your car.
  • Anti-Theft Devices: Installing anti-theft devices reduced the chances of your car getting stolen which further reduced the liability on the insurer. So, if you have ARAI-approved anti-theft devices installed in your car, then you will be required to pay a lesser premium.
  • No Claim Bonus (NCB): Another factor that affects your car insurance premium is No Claim Bonus. Insurers offer a discount on car insurance premium to the policyholders as a reward for no claim made during a policy term. Usually, the No Claim Bonus ranges between 20%-50%.

Must Read Articles before buying Kotak Car Insurance

Kotak Car Insurance User Reviews

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What users are saying
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  • Protecting Your Car's Worth

    Zero-dep insurance is all about protecting your car's worth. InsuranceDekho’s Kotak Car Insurance Policy ensured that my investment in the policy for my Hyundai car is safeguarded to the fullest.

    By Vedashi Bidani
    On: November 24, 2023
  • No Worries, No Surprises

    The beauty of having own damage coverage with the Kotak Car Insurance Policy is that there are no worries and no surprises. I know that my Nissan car is protected against the unexpected, and that's invaluable.

    By Sanjiv Kapila
    On: November 22, 2023
  • Seamless Policy Extension

    I extended my Kotak Car Insurance Policy through InsuranceDekho, and the process was seamless. The coverage continued without interruption, providing me with continuous protection for my Skoda car.

    By Anshu Nayyar
    On: November 15, 2023
  • Invest in Hassle-Free Renewals...

    I consider my choice to invest in the renewal of the Kotak Car Insurance Policy through InsuranceDekho as an investment in hassle-free, continuous coverage. They make sure that I drive my Honda car with confidence, knowing my car is protected.

    By Mamta Rajender
    On: October 30, 2023
  • Tailored to My Needs

    InsuranceDekho's premium calculator doesn't offer a one-size-fits-all solution. It tailors premiums to match my specific needs to the Kotak Car Insurance Policy that I bought from the online portal, ensuring I get the coverage I want at a fair price for my MG car.

    By Saisha Manchanda
    On: October 17, 2023
  • Prompt Claim Settlement under ...

    InsuranceDekho ensures prompt claim settlement for third-party coverage for the Kotak Car Insurance Policy, helping policyholders like me to get back on the road quickly after an accident of my Nissan car.

    By Gunjan Reddy
    On: October 11, 2023
  • Own Damage Protection for My C...

    InsuranceDekho's own damage coverage with the Kotak Car Insurance Policy provides comprehensive protection for my Toyota car. It covers everything I need.

    By Krishna Kumari
    On: September 29, 2023
  • Essential Coverage for Respons...

    InsuranceDekho's third-party coverage which is an added benefit of the Kotak Car Insurance Policy is essential for my Maruti car. It ensures you're financially responsible on the road.

    By Jai Bhatia
    On: September 20, 2023
  • All-In-One Protection with Com...

    With InsuranceDekho's comprehensive policy, I get all-in-one protection under the Kotak Car Insurance Policy for my BMW car. It's the ideal solution for complete peace of mind.

    By Sandeep Singh
    On: September 14, 2023
  • Time-Saving Convenience

    Renewing my Kotak Car Insurance Policy for my Ford car through InsuranceDekho is a time-saving convenience. I no longer have to navigate complex paperwork; it's all done online with a few clicks.

    By Jyotsna Rana
    On: September 12, 2023

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Insurance Products by Kotak General Insurance

Kotak Car Insurance Premium Calculator FAQs

  • What factors determine the premium of a car insurance policy?

    There are various factors that affect the premium of a car insurance policy such as Engine’s Cubic Capacity, Insured Declared Value (IDV), No Claim Bonus (NCB), Anti-Theft Devices, the City of Registration, Number of Add-Ons, Age of the Owner, and so on.

  • Why should I use a car insurance premium calculator?

    The car insurance premium calculator will help you find the accurate premium for your car insurance policy, get the correct IDV of your car, and pick an affordable car insurance plan with right decisions about the car insurance plan.

  • What details should I enter in the car insurance premium calculator?

    You will be required to enter details like make of the car, the model of the car, RTO location of the car, registration year of the car, etc., to find the right premium offered by the insurers for a car insurance plan.

  • Can I use the premium calculator to calculate the premium for my old car?

    Yes, the premium calculator will assist you in finding the premium offered by different insurance providers for new as well as old or used cars.

  • Where can I find the car insurance premium calculator?

    You can find the best car insurance premium calculator to compute the premium and IDV at the official website of InsuranceDekho, i.e.,

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#Applicable on non-inspection cases i.e. existing policy has not expired or when buying a policy for a new vehicle.