Third-party car insurance premium calculator
Third-party insurance is the only car insurance the law requires, and it's the one part of car insurance where no insurer can charge you more or less than another. The price is notified by the government for each engine-size band. So there's nothing to negotiate here. But it's still worth knowing the exact figure, so you can spot a quote that has quietly added extra covers to this line. Pick your fuel and engine size, and you'll see what you should pay, GST included.
हिंदी में: Third-party premium हर insurance company में एक जैसा होता है, क्योंकि इसकी rate सरकार तय करती है। बस अपनी car का engine cc (या electric car का kW) डालिए और GST समेत सही premium देख लीजिए।
Your result will appear here
Fill in the details and press Calculate. Any field you get wrong will be pointed out.
Will every insurer charge me this exact amount?
For the base third-party premium, yes. This is the one part of car insurance where shopping around gets you nothing. The rate is notified by the government for each engine-size band, and every insurer in India must charge it. If a quote shows a different third-party figure for the same car, either the engine size was entered wrong or there's an extra cover hidden in the line.
What can differ is what's added on top: owner-driver PA cover, paid driver cover, passenger cover and GST rounding. That's why the calculator lets you add the PA cover price separately.
Which rates does this calculator use?
The base premiums in force since 1 June 2022:
| Private car | 1-year renewal | New car, 3 years |
|---|---|---|
| Up to 1,000 cc | ₹2,094 | ₹6,521 |
| 1,001 to 1,500 cc | ₹3,416 | ₹10,640 |
| Above 1,500 cc | ₹7,897 | ₹24,596 |
| Electric, up to 30 kW | ₹1,780 | ₹5,543 |
| Electric, 31 to 65 kW | ₹2,904 | ₹9,044 |
| Electric, above 65 kW | ₹6,712 | ₹20,907 |
GST at 18% is added to all of these. On top of that:
- Hybrid electric vehicles get a 7.5% discount.
- Certified vintage cars get 50% off.
- A CNG or LPG kit adds ₹60 a year.
A revision of these rates has been discussed in 2025 and 2026, but no new rates had been notified when we last checked. The date of our last check is shown at the bottom of this page. When new rates are notified, we update them here.
What do I need to enter?
Just two things for most cars: the fuel type and the engine capacity in cc, both printed on your RC. For an electric car, enter the motor power in kW instead, which is on the RC or in the brochure. Then choose whether you're renewing for one year or buying a new car's three-year cover.
How do I know my exact engine cc?
Look for "cubic capacity" or "CC" on your RC. Be careful near the boundaries. A car with a 999 cc engine is in the lowest slab, but one with 1,001 cc pays the next slab up. Many popular cars sit at 1,197 cc or 1,199 cc, which puts them in the 1,001 to 1,500 cc band. Diesel SUVs above 1,500 cc fall in the highest band, which is why their third-party premium is more than double.
Why does a new car's first-year premium look so high?
Since September 2018, every new private car must be sold with three years of third-party cover, paid up front. So the first-year bill includes three years of third-party premium, for example ₹10,640 plus GST for a 1,197 cc car. Own-damage cover can still be bought one year at a time. Choose "New car, 3-year" in the calculator to see this figure.
What does third-party insurance actually pay for?
Damage you cause to other people: injury or death of anyone outside your car, and damage to their vehicles or property. It pays nothing for your own car, your own injuries, or theft of your car. Your own injuries are covered separately by the owner-driver PA cover, which is why it's worth adding its price here to see what you'll really pay.
Is third-party-only cover enough for my car?
It's enough legally. Whether it's enough for you depends on your car's value and your savings. As a rough guide, third-party only can make sense for a car older than seven or eight years, worth under ₹1.5 to 2 lakh, that you could repair or replace from savings. For newer cars, or any car on a loan, it usually isn't. Our guide on third-party vs comprehensive cover has a five-minute test to help you decide.
Do electric cars really pay less?
Yes. EV third-party slabs are lower than petrol or diesel cars of similar size, and they're based on motor power rather than engine cc. A typical electric hatchback or compact SUV under 30 kW pays ₹1,780 a year before GST, compared with ₹3,416 for a 1,197 cc petrol car. Bigger electric SUVs above 65 kW pay ₹6,712.
Why is there a separate CNG option?
A CNG or LPG kit, whether factory-fitted or added later, adds a small extra third-party premium of ₹60 a year. If you fitted the kit after buying the car, it must also be endorsed on your RC and declared to the insurer. An undeclared kit is a common reason for claims being rejected. Choose CNG as the fuel, or tick the CNG kit box for a petrol car, to include it.
What is the hybrid discount, and does my car qualify?
Hybrid electric vehicles, meaning cars with both a petrol engine and an electric motor that drives the wheels, get a 7.5% discount on the third-party premium. Mild hybrids with a small starter-generator may or may not be classified as hybrids on the RC. Check the fuel type printed there. If it says "Petrol/Hybrid" or similar, tick the box.
Who counts as a vintage car?
Only cars certified as vintage by the Vintage and Classic Car Club of India, or registered as vintage under the motor vehicle rules. An old car isn't automatically vintage. Without that certification, normal rates apply.
What happens if I drive without third-party insurance?
It's an offence under the Motor Vehicles Act: a fine of ₹2,000 for a first offence and ₹4,000 for a repeat, with possible imprisonment. More importantly, if you injure someone without insurance, the compensation comes out of your own pocket, and court awards for serious injury can be very large. At around ₹2,500 to ₹9,500 a year with GST, third-party cover is the cheapest protection you'll ever buy.
Does this premium change with my city or claim history?
No. Unlike own-damage cover, the third-party premium doesn't depend on your city, your car's age, its value or your claims. Only the engine size (or kW), the policy term and the special discounts above affect it. Your No Claim Bonus doesn't apply to it either.
My schedule shows a slightly different third-party figure. Why?
Usually because other small covers are added in the third-party section of the schedule: legal liability to a paid driver, unnamed passenger cover, or the CNG kit extra. Some schedules also show the figure with GST and some without. Compare the "basic TP" line with the base premium shown here, and the other items will account for the difference.
Can I buy third-party cover from a different insurer than my own-damage cover?
Yes. Since standalone own-damage policies were allowed in 2019, many owners have third-party cover with one company (often the three-year policy sold with the car) and own-damage cover with another. Just keep both policy documents handy. At a claim, each insurer handles its own part.
How do I see my full comprehensive premium?
Third party is only part of a comprehensive policy. For the full picture, including own damage, NCB and add-ons, use the car insurance premium calculator. It uses the same third-party rates as this page.
Rates last checked: 8 November 2026. Content updated 8 November 2026.