Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin
  • CASHLESS GARAGES 6,000+
  • CLAIMS SETTLED 96%
  • COMPREHENSIVE CLAIMS UNLIMITED
Key Features:
  • Right Green Tick Towing Assistance (Till 50 kms)
  • Right Green Tick Repair Anywhere
  • Right Green Tick 24x7 Assistance
  • Right Green Tick Quick Claim Settlement

Calculate Your Car Insurance Price Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai

When did you buy your car?

Disclaimer: Actual Premium might vary basis your location, age and number of members

What is a Car Insurance Premium Calculator?

A car insurance premium calculator is an online device that helps you know the right insurance premium amount for your car. By entering the car details and No Claim Bonus status of your car, you can attain the customised results from this calculator. Knowing the right premium amount of your car can assist you to choose the premium quote that suits you best.

How to Use a Car Insurance Premium Calculator?

Step 1: Choose your car’s Make, Model, Variant and Fuel Type.

Step 2: Choose your car’s Purchase Year and Registered Location.

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

Step 4: Click the ‘Calculate’ button and find the right IDV and premium amount of your car insurance.

Benefits of Car Insurance Premium Calculator

  1. Right Insured Declared Value – You can derive the Insured Declared Value (IDV) of your car through our car insurance premium calculator. The IDV refers to an amount that you will be eligible to receive against the theft or total loss of your car. Try to achieve the right IDV of your car from your insurer.
  2. Right Premium - The car insurance premium calculator online helps you calculate the amount that you are required to pay as the car insurance premium.
  3. Helps in Making Informed Decisions – Right information eases the decision-making process. Hence, the right IDV and premium amount can help you make informed decisions pertaining to car insurance.
  4. Helps You Choose the Right Policy – It will become easy for you to choose the right premium quote from the available options with the knowledge of the right IDV and the premium amount of your car computed by the premium calculator.

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 calculation of premium amount for standalone own-damage and comprehensive car insurance policies is based on several factors like make, model, variant, RTO location, fuel type, engine capacity, age of the car, and so on. Make use of our Premium Calculator and find instant results for the premium amount of your car insurance.

Factors Which Determine Car Insurance Premium

1. Insured Declared Value (IDV) - The IDV refers to the current market value of the car, which the insurance providers are entitled to offer its policyholders as compensation in the case of theft or total loss. The more the IDV will be, the higher the coverage will be, which will ultimately increase the premium amount.

2. Age of the Car - The year of registration of a car also impacts its premium amount. The default depreciation will lessen the value of an old car, which will reduce the compensation amount to be offered by the insurance company. It means old cars are charged with a lower premium cost than the new cars.

3. No Claim Bonus (NCB) - For every claim free year, the insurance company offers a reward in terms of discount to its policyholders starting from 20% off for the first claim-free year and reaches to 50%. It means that the higher NCB will lessen the car insurance premiums.

4. Anti-Theft Devices - cars that have anti-theft devices installed in them are charged with a low amount of premium as they have less chances of being stolen, which reduces the coverage risk on the insurance providers.

5. Engine Cubic Capacity - The high cubic capacity of a car increases its power due to which it can run faster that enhances the risk. Therefore, the insurance companies charge a higher premium from the cars with high cubic capacity like sports cars, etc.


Must Read Articles before buying Digit Car Insurance

Digit Car Insurance User Reviews

Write your review
What users are saying
  • All
  • Premium
  • Most Helpful
  • Comprehensive
  • Zero Depreciation
  • Third Party
  • Own Damage
  • Renewal
  • Cashless Garages
  • Price
  • Policy Download
  • Customer Care
  • Claim
  • Add On
  • Theft Recovery

    My car was stolen from the office parking in the middle of the day. I instantly called the police and made my next call to Digit, whose car insurance I had purchased. They very calmly handled the conversation and guided me throughout the police complaint process. Unfortunately, police could not find my car and issued a non traceable certificate after which I got my claim from Digit. I'm thankful to InsuranceDekho for recommending Digit for its efficient working and sympathetic customer support.

    G
    By Gulfisha Ahmed
    On: July 12, 2024
  • Convenient Process of Claim

    Switching to Digit is a decision that I'm very positive about. The whole experience of a digital platform is very impressive. Especially the document submission is very smooth. Thanks to InsurnaceDekho for recommending Digit insurance.

    M
    By Maryam Warsi
    On: July 1, 2024
  • Excellent Grievance Redressal

    I was having some concerns over some details in the policy document. Upon contacting Digit customer service, they tried explaining it to me but I was not totally convinced and wanted a more detailed response. I further contacted the grievance redressal officer who addressed all my concerns in detail and gave considerable time to help me. InsuranceDekho had mentioned that Digit has a very nice customer query response which inclined me towards the insurer.

    J
    By Jagteshwar Singh
    On: June 28, 2024
  • Benefits of Consumable covers

    My car had some mechanical issues and was taken by the insurer for repair. After repairing I had to pay nothing except the deductibles. Moreover, my consumable cover saved me the cost of the consumables required in repairing the car as well. Kudos to InsuanceDekho and their team for helping out in picking the best insurer. After claims with no issues, I'm sure I will keep buying policies from Digit Only.

    P
    By Priyanshu Deshmukh
    On: June 28, 2024
  • Quality centric service

    I'm a critical thinker and I always scrutinise my decisions. In all honesty, I was very conscious about sending my car to a cashless garage. Somehow due to the very experienced and quality-centric customer service, I chose to get my car towed to a cashless garage. I must say I am very impressed with their work and I will be much more relaxed regarding that in future. Thanks to InsuranceDekho for finding Digit, a trustworthy quality quality-focused insurer.

    A
    By Anshika Chawla
    On: June 27, 2024
  • Loss of Personal Belonging Cov...

    My laptop was stolen from my car and the window was broken while the car was in parking. I ran to the police and was weeping about my loss as I knew the chances of getting it back are very low. Thanks to Digit loss of personal belonging add-on with the comprehensive car insurance which covered my laptop and I recieved my claim along with the window getting replaced. Shout out to InsuranceDekho for suggesting Digit car insurance with the necessary add-on that made the experience less horrible.

    S
    By Shrishti Damodar
    On: June 25, 2024
  • Broken window

    Some kids broke the window of my car while playing cricket. I intimated the claim and the process was very easy and did not take much time and my window was repaired in no time. I remember taking assistance from InsuranceDekho while choosing Digit for my car insurance.

    J
    By Jaideep Singh
    On: June 24, 2024
  • Cashless Settlement

    I'm super happy with Digit car insurance, the claim settlement process is very smooth, especially the cashless approach. I didn’t have to pay anything at the garage and my car got repaired and they even washed it. Delighted, thanks to InsuranceDekho for the support in selecting the best policy

    A
    By Azazil Haider
    On: June 20, 2024
  • Amazing user interface

    InsuranceDekho provided me with various options on insurance policies to choose my deal from. I chose GoDogit and I am thankful for it. One of the coolest thing about Digit is the mobile App UI which makes the operations very easy for the user to use. I had to make some changes to my policy document and I could do it without any guidance on how to use the app.

    M
    By Madhav Shankar
    On: June 17, 2024
  • Easy NCB Transfer

    Switching to Digit car insurance is a good move. I did and I dont regret. My NCB was transferred easily and my premium sounds very justified. Thanks to InsuranceDekho for giving me a wider perspective.

    S
    By Shreya Girotra
    On: June 13, 2024
  • Highly Reliable

    InsuranceDekho has been my guide for purchasing any kind of insurance for the last 3 years. I recently purchased Digit comprehensive car insurance after comparing it with others on InsuranceDekho. It is fair to say that these modern digital-first insurance providers like Digit are capable of delivering on their promises of smooth and hassle-free processes. My claim got settled in no time and im very happy with its functioning.

    A
    By Angad Singh
    On: June 10, 2024
  • Quick and Efficient Claims Pro...

    When I bought the Digit Car Insurance Policy for my Ford car, I felt that InsuranceDekho's comprehensive insurance includes a quick and efficient claims process. They made sure I received full coverage and processed my claim promptly.

    By Tanmay Roy
    On: October 23, 2023
  • Responsive Support from Custom...

    I had questions while using the premium calculator, and InsuranceDekho's support team was incredibly responsive and helpful. They guided me through the process of buying the Digit Car Insurance Policy for my Nissan car.

    A
    By Ananya Yadav
    On: October 6, 2023
  • Comprehensive Protection, Comp...

    While purchasing the Digit Car Insurance Policy I found comprehensive protection with InsuranceDekho, and it has translated into comprehensive satisfaction. Their service and coverage are top-notch and it best suited for my Hyundai car.

    S
    By Sakshi Sah
    On: September 27, 2023
  • Excellent Support During Renew...

    The support I received from InsuranceDekho's team during my Digit Car Insurance Policy renewal was excellent. They answered my questions promptly and guided me through the process. Their dedication to customer service is commendable. Happy to have insured my for my Kia car from this amazing platform.

    M
    By Manoj Tyagi
    On: September 25, 2023
  • Reliable and Dependable Claims...

    I had to file a claim for the Digit Car Insurance Policy that I undertook for my Skoda car and must say that InsuranceDekho has proven to be reliable and dependable in handling claims. They make the entire process stress-free.

    H
    By Harsh Mehta
    On: September 21, 2023
  • Protection Against the Unexpec...

    InsuranceDekho's own damage coverage along with the Digit Car Insurance Policy provides essential protection against the unexpected for my Kia car. It's a safety net I can rely on.

    V
    By Vihaan Chopra
    On: September 18, 2023
  • Excellent Support and Guidance

    The support and guidance provided by InsuranceDekho's premium calculator were excellent. It made the insurance selection process much easier for me. I finally bought the Digit Car Insurance Policy for my Skoda car after many comparisons.

    S
    By Subodh Bhatt
    On: September 14, 2023
  • Transparent and Fair Claims Se...

    I bought the Digit Car Insurance Policy for my Hyundai car. And was happy to see that the claims settlement process with InsuranceDekho's zero depreciation policy was transparent and fair. They didn't leave any room for surprises.

    A
    By Amal Ahmed
    On: September 12, 2023
  • Reliable Reminder System

    I appreciate the reliability of InsuranceDekho's renewal reminder system. I can trust that I'll be reminded well in advance to renew my Digit Car Insurance Policy for my Land Rover car.

    M
    By Manas Chitkara
    On: September 5, 2023
  • Peace of Mind on the Road

    Knowing I have access to a network of Cashless Garages provided by InsuranceDekho gives me peace of mind while driving my Skoda car. I'm confident that help is just a call away if anything happens. I am so glad that I listened to my friend and purchased the Digit Car Insurance Policy.

    B
    By Bhavna Bist
    On: September 1, 2023
  • Best Choice for Car Insurance ...

    If you're looking for the best choice for car insurance with own damage coverage, the Digit Car Insurance Policy from InsuranceDekho is the way to go. I secured my Mercedes-Benz with this policy and couldn’t be happier.

    A
    By Akshar Kulkarni
    On: August 29, 2023
  • Great Tool for Comparing Cover...

    InsuranceDekho's premium calculator is a great tool for comparing coverage benefits. It allowed me to weigh the pros and cons of different policies before making a decision to buy the Digit Car Insurance Policy for my Hyundai car.

    S
    By Sanjana Narula
    On: August 25, 2023
  • Seamless Claims Process with Z...

    The claims process with InsuranceDekho's zero depreciation Digit Car Insurance Policy was seamless. It made dealing with an accident much less stressful for my Renault car.

    M
    By Monica Narwal
    On: August 23, 2023
  • Smooth Process

    InsuranceDekho's cashless garages lived up to their promise of a smooth claims process. I just had to show my Digit Car Insurance Policy details, and the rest was handled. The garage staff handled everything for my Renault car professionally.

    K
    By Kapila Srivastav
    On: August 10, 2023
  • Renewal Made Simple

    InsuranceDekho made the renewal process for zero depreciation car insurance simple and efficient. I could easily renew my Digit Car Insurance Policy for my Nissan car online without any complications.

    H
    By Harjeet Kaur
    On: August 8, 2023
  • Timely Own Damage Claim Settle...

    I was impressed with InsuranceDekho's promptness in settling my own damage claim for my Toyota car. They processed it quickly, and the communication throughout the process for my Digit Car Insurance Policy was excellent.

    T
    By Tanisha Arora
    On: July 31, 2023
  • Seamless Online Third-Party In...

    InsuranceDekho offers a seamless online experience for purchasing third-party car insurance for my Nissan car. Their website is intuitive, and the process to buy the Digit Car Insurance Policy is straightforward. I am impressed with their user-focused services, making it a breeze to manage my policy.

    M
    By Mukesh Kumar
    On: July 25, 2023
  • Reliable Estimates for Policy ...

    The premium calculator provided by InsuranceDekho gives reliable estimates for policy budgeting. It helps me plan and budget for the Digit Car Insurance Policy by providing accurate premium calculations for my BMW. I can make an informed decision based on my financial capabilities.

    M
    By Manoj Tyagi
    On: July 21, 2023
  • Transparent Documentation Proc...

    InsuranceDekho's documentation process during my Digit Car Insurance Policy claim for my Volvo car was transparent and straightforward. They guided me through the required paperwork, making the process hassle-free. Their attention to detail and clarity in the documentation was commendable.

    R
    By Rizwan Sheikh
    On: July 19, 2023

414 Digit Cashless Garages in India

Digit Car Insurance Premium Calculator FAQs

  • Which are the factors that determine the amount of premium of Digit car insurance plans?

    Factors that influence the premium amount of a Digit car insurance policy are Insured Declared Value (IDV), Anti-theft Devices, No Claim Bonus (NCB), Engine Cubic Capacity, Age of the car, Year of Registration, Add-on options, etc.

  • How a premium calculator can assist me with my car insurance plan?

    The car insurance premium calculator can help you in finding the right premium cost for car insurance plans and IDV offered for the insured car, which is provided by different insurance companies in the market. With this type of information, you can easily opt for an affordable insurance policy and make wise decisions related to car insurance.

  • Can a premium calculator compute premium only for new cars?

    No, the premium calculator calculates and displays the amount of premium and IDV for new as well as old cars.

  • Which insurance details are to be entered on the car insurance premium calculator?

    You need to enter details like make, model and variant of the car, fuel type of the car, RTO location of the car, engine capacity of the car, registration year of the car, and so on, on the premium calculator to get the premium costs provided by different insurance companies.

  • Where can I use the premium calculator to calculate the premium for my policy?

    You can easily get the best premium calculator to reckon the premium amount and IDV for your insurance policy at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

must dotmust graphics

Why to buy from InsuranceDekho?

  • Instant policy # within 5 mins
  • More than 45 Lac happy customers
  • Claim Support available all 7 days of the week

Digit Car Insurance Contact Details

For any assistance or query, call us on:

Car Insurance News

Calculate your Car IDV

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