Best Car Insurance Companies in India 2025: Top 10 Insurers Compared There are various leading car insurance companies in India. You can buy car insurance plans online from different insurers available as per your requirements. However, you should choose the right insurer to avail the coverage benefits for longer tenure. In order to help you choose the right one, here is a list of the top 10 private car insurance companies in India.
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Top 10 Best Car Insurance Companies in India
Top 10 Best Car Insurance Companies in India
2. Universal Sompo
3. Future Generali
Future Generali provides easy-to-use car insurance with many extra options to choose from. They protect against damage and loss, and even cover accidents involving drivers and passengers to make driving safer.
4. Raheja QBE
Raheja QBE provides affordable yet reliable car insurance, covering damage to others or more complete policies for yourself too. They handle claims quickly, which helps if you need quick support after an accident.
5. Go Digit
Go Digit provides hassle-free car insurance with their technology-driven system which fast tracks issuing policies and settling claims through their app. Their aim is to make insurance simple, easier for customers to understand and use, cutting down on delays in paperwork or waiting.
6. IFFCO Tokio
7. Liberty Insurance
Liberty General Insurance offers customised car insurance policy that gives added protection to cars against physical damage, theft and other financial losses arising out of accidents or any other mishap.
8. ICICI Lombard
ICICI Lombard is known for their complete car insurance coverage i.e. third party liability as well as damage to your own car. They offer different add-ons such as roadside assistance and a garage network where you do not have to make cash payment upfront, which makes the repair process easier.
9. State Bank of India (SBI)
SBI car insurance provides wide coverages, such as accidental damages, thefts, and liability to others. They aim to deal with claims smoothly and provide more coverage for better protection.
10. Royal Sundaram
The Royal Sundaram provides extensive protection plans on car insurance, makes easy filing of claims, and provides an opportunity to make it more personal by adding other options, giving you the best possible financial security when driving.
How to Choose the Best Car Insurance Companies in India
1. Which is the No.1 car insurance company in India in 2025?
4. What is Zero Depreciation cover?
- 1. HDFC ERGO
- Founded In: 2002
- Claim Settlement Ratio: 88.22%
- Network Garages: 8200
- Founded In: 2007
- Claim Settlement Ratio: 90.72%
- Network Garages: 3500
Future Generali provides easy-to-use car insurance with many extra options to choose from. They protect against damage and loss, and even cover accidents involving drivers and passengers to make driving safer.
Raheja QBE provides affordable yet reliable car insurance, covering damage to others or more complete policies for yourself too. They handle claims quickly, which helps if you need quick support after an accident.
Go Digit provides hassle-free car insurance with their technology-driven system which fast tracks issuing policies and settling claims through their app. Their aim is to make insurance simple, easier for customers to understand and use, cutting down on delays in paperwork or waiting.
IFFCO Tokio offers many car insurance options, from basic to comprehensive coverage. They add extra services like roadside help and full coverage without depreciation, giving you peace of mind and thorough protection.
Liberty General Insurance offers customised car insurance policy that gives added protection to cars against physical damage, theft and other financial losses arising out of accidents or any other mishap.
8. ICICI Lombard
9. State Bank of India (SBI)
SBI car insurance provides wide coverages, such as accidental damages, thefts, and liability to others. They aim to deal with claims smoothly and provide more coverage for better protection.
10. Royal Sundaram
The Royal Sundaram provides extensive protection plans on car insurance, makes easy filing of claims, and provides an opportunity to make it more personal by adding other options, giving you the best possible financial security when driving.
- Analyze Your Car Needs: Think about what your car really needs. Is it new or old? Does it travel long distances or just short trips? Understanding this will help you decide the type of insurance and coverage level you need.
- Review Add-on Covers: Look at extra options you can add to your insurance, like roadside assistance if your car breaks down, or zero depreciation for newer cars. These add-ons can give you more protection but will cost a bit more.
- Cashless Garage Network: Check if the insurance company has a lot of garages where they pay the garage directly for repairs. This is very convenient because you won’t have to pay a lot of money upfront and wait to be reimbursed.
- Customer Reviews: Read what other customers say about their experience with the insurance company. Happy customers usually mean good service, especially when it comes to handling claims and customer support.
- Claim Settlement Ratio: This number shows how many insurance claims a company has paid out compared to how many were filed. A higher ratio means the company is more likely to pay out your claim without problems.
1. Which is the No.1 car insurance company in India in 2025?
There is no single fixed No.1 insurer for everyone. However, companies like HDFC ERGO, ICICI Lombard, Bajaj Allianz, Tata AIG, and New India Assurance consistently rank among the top due to strong claim support and wide garage networks.
2.How do I choose the best car insurance company?- Claim settlement ratio
- Cashless garage network
- Premium vs coverage
- Add-ons (Zero Depreciation, RSA, Engine Protect)
- Customer reviews & service
- Policy terms & exclusions
Third-Party Liability Insurance is mandatory for all vehicles in India under the Motor Vehicles Act.
Zero Depreciation add-on ensures no deduction for part depreciation during claims. You get higher claim payout. Best for new cars.