- No data uploaded
- Instant results
Third-Party Insurance Premium (India)
Find the mandatory third-party premium for your vehicle.
Third-Party Insurance Premium (India)
Private-car figures are the last rates notified by MoRTH/IRDAI (June 2022). A revision was proposed for FY 2026-27 — confirm the current notification with your insurer.
Third-party premium · car ≤ 1000 cc₹2,094 + 18% GST (₹377) per year
| Engine | Premium | With 18% GST |
|---|---|---|
| ≤ 1000 cc | ₹2,094 | ₹2,471 |
| 1000–1500 cc | ₹3,416 | ₹4,031 |
| > 1500 cc | ₹7,897 | ₹9,318 |
Third-party cover is mandatory under the Motor Vehicles Act. New cars need a 3-year and new two-wheelers a 5-year third-party policy. Rates are set by the regulator, so they are the same at every insurer.
Estimates for planning only — not insurance, financial or tax advice. Premiums, rules and benefits vary by insurer and change; confirm with your insurer or a licensed adviser. Disclaimer
Frequently asked questions
Is my data uploaded?
No. The calculation runs entirely in your browser — nothing you type is sent to a server.
Is it free?
Yes — free, unlimited and no sign-up.