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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 a digital tool that helps you find the right premium for your Navi car insurance policy. You need to enter some required details about your car like the make of the car, model of the car, variant of the car, registration year of car, RTO location of the car, etc., on the premium calculator. This will show you the car insurance premium for the selected plan by different insurance companies in the market. Comparing the premium amount of several insurers will help you find the best car insurance plan that meets your budget and requirements.

How to Use a Car Insurance Premium Calculator?

It is simple to compute the car insurance premium by using a premium calculator. Here are some steps to calculate it:

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

Step 2: Enter the RTO Location and Year of Purchase of your car.

Step 3: Tell us, if you have made any claim in your last policy term.

Step 4: Click on the ‘Calculate’ link and you will get the right IDV and premium value for your car insurance.

Benefits of Car Insurance Premium Calculator

When it comes to car insurance premium calculator, it brings several benefits with it which are as follow:

  • Right Insured Declared Value (IDV) – You can get the correct value of your IDV with the car insurance premium calculator by filling up the make, model, fuel type, car age, etc. With the value of IDV, you can select an optimum level of the claim amount that you will be eligible to receive from your insurer in case your car gets stolen or suffered a total loss.
  • Correct Cost of Premium - To compute the right premium amount for your car insurance is the core objective of the premium calculator. By showing you accurate premium costs of several car insurance plans, it helps you opt for a car insurance policy for your car’s safety based on your budget as well as needs.
  • Better Your Decision Making – The premium calculator helps you to be informed about the current and correct market value of your car and the rate of premium provided by different insurance firms in the market. With the knowledge of the IDV and the premium amount of different car insurance policies, you can make the right choice to pick the car insurance policy.
  • To Get a Cost-Effective Policy – With the amount of premium and IDV of different car insurance policies calculated by the premium calculator, it will become quite easier for you to opt for a cost-effective car insurance plan to secure your car. In simple terms, the premium calculator tool will help you opt for an economical car insurance plan.

Third Party Car Insurance Premium Rate

Engine CapacityPremium To Buy A New Policy (3-Year Plan)Premium To Renew Existing Policy (1-Year Plan)
Under 1,000 ccRs. 5,268Rs. 2,072
Between 1,000 cc and 1,500 ccRs. 9,534Rs. 3,221
Above 1,500 ccRs. 24,305Rs. 7,890

Source: Insurance Regulatory and Development Authority of India (IRDAI))

Premium for Comprehensive and Standalone Own-Damage Car Insurance Plans

The premium amount of standalone own-damage and comprehensive car insurance plans is based on several components which comprise the make of the car, model of the car, variant of the car, fuel type of the car, RTO location of the car, etc. You can get the premium amount for your car insurance by entering the required details about your car with the assistance of the premium calculator.

Factors Which Determine Car Insurance Premium

Here are some elements which impact the amount of premium for car insurance:

  • Insured Declared Value (IDV): The IDV is the highest amount that policyholders can get as a claim from their insurance companies if their car sustains accidental damage or theft. The value of IDV is determined by the insurance companies based on the make, model, and variant of the car. The higher your car’s IDV will be, the higher will be the premium cost that you will have to pay for the car insurance policy.
  • Engine’s Cubic Capacity: The cubic capacity of your car influences the premium amount of your car insurance. The higher will be the cubic capacity of your car, the more consumables will tend to be utilised by the car due to which you are required to pay a higher amount of premium if your car holds a higher cubic capacity and vice versa.
  • Add-On Covers Opted: Add-on covers are the policy options which are designed to provide you with extended coverage on your car insurance policy. You can purchase add-on covers such as zero depreciation cover, roadside assistance cover, and so on, by paying a little extra premium amount to enhance the coverage of your car insurance policy.
  • Anti-Theft Devices: With the installation of anti-theft devices in your car, you can reduce the possibility of your car getting stolen that reduces the burden to cover the loss on the insurance company. Therefore, if you install some anti-theft devices in your car, which are ARAI approved, then you may be charged a lesser premium by your insurance company.
  • No Claim Bonus (NCB): No Claim Bonus (NCB) is an important element that affects the premium of your car insurance policy. The NCB is a reward that insurance companies offer to their policyholders for making no claim in a policy year. This benefit is available in terms of percentage discount which ranges from 20% and 50% and is applicable on car insurance premiums which policyholders have to pay in the next year.

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Navi Car Insurance User Reviews

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111 User reviews
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  • It gives me a reminder.

    The procedure of purchasing a plan is so much uncomplicated on the website as it is arranged perfectly. I purchased a NAVI car insurance policy for my TATA Nexon from insurancedekho.com, which always reminds me to renew my policy on time.

    Read More

    U
    By Urwan Tharoor
    On: January 18, 2023
  • Got the policy within a few mi...

    I wanted to purchase a good car insurance policy for my Hyundai Venue car so I visited InsuranceDekho’s website to purchase one. I was able to check the details of different car insurance policies by generating quotes easily on InsuranceDekho’s website. I selected a Navi car insurance policy for my car.

    Read More

    G
    By Gurdesh Kamal
    On: December 26, 2022
  • Purchased the plan at ease

    I bought the Navi car insurance plan for my Toyota Fortuner from the InsuranceDekho website. The process to buy this plan is easy and quick. There were no complications involved in the process. I was guided by their team and was required to follow a few simple steps

    Read More

    By Nimesh Tyagi
    On: August 29, 2022
  • Got my policy renewed in just ...

    I had to renew my Navi car insurance plan that I bought for my Ford Aspire 2018 so I visited InsuranceDekho’s website. My policy was renewed in less than 5 minutes. The service is really quick and impressive.

    Read More

    R
    By Ribhu Shrivastav
    On: July 27, 2022
  • Purchased the plan at ease

    I bought the Navi car insurance plan for my Toyota Fortuner from the InsuranceDekho website. The process to buy this plan is easy and quick. There were no complications involved in the process. I was guided by their team and was required to follow a few simple steps.

    Read More

    N
    By Nayan Chaudhary
    On: June 27, 2022
  • Got my policy renewed in just ...

    I had to renew my Navi car insurance plan that I bought for my Ford Aspire 2018 so I visited InsuranceDekho’s website. My policy was renewed in less than 5 minutes. The service is really quick and impressive.

    Read More

    By Ribhu Shrivastav
    On: June 17, 2022
  • Got policy within a few minute...

    I wanted to purchase a good car insurance policy for my Hyundai Venue car so I visited InsuranceDekho’s website to purchase one. I was able to check the details of different car insurance policies by generating quotes quickly on InsuranceDekho’s website. I selected a Navi car insurance policy for my car.

    Read More

    G
    By Gurdesh Kamal
    On: June 1, 2022
  • Purchased the plan at ease

    I bought the Navi car insurance plan for my Toyota Fortuner from the InsuranceDekho website. The process to buy this plan is easy and quick. There were no complications involved in the process. I was guided by their team and was required to follow a few simple steps

    Read More

    N
    By Nimesh Tyagi
    On: May 25, 2022
  • Purchased the plan at ease

    I bought the Navi car insurance plan for my Toyota Fortuner from the InsuranceDekho website. The process to buy this plan is easy and quick. There were no complications involved in the process. I was guided by their team and was required to follow a few simple steps

    Read More

    By Nimesh Tyagi
    On: May 11, 2022
  • Well managed website

    The InsuranceDekho website is very well managed. All the things are arranged in such a way that it is easy for the user to locate everything on the website. I visited their website to buy the Navi car insurance plan for my Chevrolet Aveo car. All the benefits and features of this plan were clearly displayed on the website.

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    S
    By Sandeep Sharma
    On: May 6, 2022
  • Purchased the plan at ease

    I bought the Navi car insurance plan for my Toyota Fortuner from the InsuranceDekho website. The process to buy this plan is easy and quick. There were no complications involved in the process. I was guided by their team and was required to follow a few simple steps

    Read More

    N
    By Nimesh Tyagi
    On: February 28, 2022
  • Chat box feature

    The chat box feature of the InsuranceDekho website is really nice. I used it while buying the Navi car insurance plan for my Ford Aspire. I listed all my doubts on the chat box and got prompt replies from their end. I loved the services and I am thankful to the team for clearing all my doubts.

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    T
    By Tanmay Singh
    On: February 7, 2022
  • Policy renewed in very less ti...

    I had to renew my Navi car insurance plan that I bought for my Ford Aspire 2018 so I visited InsuranceDekho’s website. My policy was renewed in less than 5 minutes. The service is really quick and impressive.

    Read More

    By Yogesh Kumar
    On: February 4, 2022
  • Availability of affordable car...

    At InsuranceDekho I was able to compare several car insurance plans from different insurance companies at once based on my requirements. I chose a Navi Navi car insurance policy to insure my Renault Triber car without going overboard with my budget after comparing several quotes by just entering my car registration number on the Insurance Dekho portal. I will recommend this platform to friends and family.

    Read More

    P
    By Pranavi Bisht
    On: December 29, 2021
  • Got policy within a few minute...

    I wanted to purchase a good car insurance policy for my Hyundai Venue car so I visited InsuranceDekho’s website to purchase one. I was able to check the details of different car insurance policies by generating quotes easily on the InsuranceDekho’s website. I selected a Navi car insurance policy for my car.

    Read More

    S
    By Suprakash Yadgiri
    On: December 27, 2021
  • Easy policy comparison

    InsuranceDekho’s website offered me a great opportunity to compare several car insurance policies in a simplified way. The charts helped me to compare different insurance companies and compare different premiums which helped to select a Navi car insurance policy for my Chevrolet Corvette car.

    Read More

    V
    By Vibhat Arora
    On: December 23, 2021
  • Affordable car insurance polic...

    I was able to compare several car insurance policies for my Renault Triber car according to my budget. After comparing several options I purchased a Navi car insurance policy for my car. It is very easy to compare several car insurance policies at InsuranceDekho’s website. I will recommend InsuranceDekho to others.

    Read More

    P
    By Pawan Yadav
    On: December 20, 2021
  • Availability of affordable car...

    InsuranceDekho is a good platform where I was able to compare several car insurance quotes according to my requirements. It helped me choose Navi car insurance policy to insure my Renault Triber car without going overboard with my budget. I will recommend this platform to friends and family.

    Read More

    S
    By Satyamurthy Haryadi
    On: December 15, 2021
  • Policies within budget

    Car insurance plans on InsuranceDekho are popular among customers due to their affordability. Each policy coverage and benefits are well synced with their premium amount. I am more than happy with the Navi car insurance policy issued for the MG Hector car.

    Read More

    A
    By Abdul Khan
    On: December 8, 2021
  • Fast policy issuance

    I got my Navi car insurance plan for my Hyundai EON car was completed in a jiffy through the InsuranceDekho platform. At InsuranceDekho, I could easily generate my car insurance plan quotes and compare them after which I finalised and paid for the plan.

    Read More

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    By Karan Jha
    On: December 6, 2021
  • Reliable insurance portal

    The car insurance policy details, specifications and related information make InsuranceDekho a trusted platform to purchase plans. I am happy to choose this portal to buy a Navi car insurance policy for my Volkswagen Polo car.

    Read More

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    By Parth Pandey
    On: December 1, 2021
  • Active chatbox facility

    The chat box at the InsuranceDekho website helped me learn about network garages for my Navi car insurance policy that allowed me to easily get my Tata Hexa car repaired. When I posted my car insurance query, I got a prompt response from the chatbox.

    Read More

    R
    By Riddhi Srivastava
    On: November 29, 2021
  • Policy within a few minutes

    I wished to get a suitable car insurance policy for my Hyundai Venue car, so I visited InsuranceDekho and generated free policy quotes. I compared all of them and chose a Navi car insurance policy to insure my car. The entire process took just a few minutes to complete.

    Read More

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    By Shikhar Nagar
    On: November 24, 2021
  • Hassle-free inspection

    Before raising a car insurance claim, I requested the officials of the InsuranceDekho portal request an inspection by the team. It was arranged immediately and conducted smoothly on the next day. I could easily make a claim afterwards under the Navi car insurance policy issued for my Chevrolet Spark car.

    Read More

    S
    By Sahil Gaur
    On: November 22, 2021
  • Accessible customer team

    Really appreciate the customer team accessibility of InsuranceDekho all the time. I contacted them to learn how the inspection before the renewal is conducted. They replied immediately. Then, I requested an inspection for my Renault Duster car insured with Navi car insurance.

    Read More

    P
    By Piyush Chandra
    On: November 17, 2021
  • Easy policy comparison

    InsuranceDekho portal offered me a great opportunity to compare plans in a simplified way. The charts helped me to compare different insurers and the premium calculator helped me to compare different premiums that led me to buy a Navi car insurance policy for Chevrolet Corvette car.

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    By Rohan Jain
    On: November 15, 2021
  • Affordable car insurance plans

    I got varied options to find and choose car insurance plans at the InsuranceDekho platform. It helped me opt for a Navi car insurance policy to insure my Renault Triber car without investing money more than my capacity. I recommend this platform to everyone.

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    By Prashant Lamba
    On: November 11, 2021
  • Learn about policy differences

    The InsuranceDekho offers valuable information about different aspects of different insurance companies such as their claim settlement ratios, network garages, etc. This helped me to make a comparison of the plans easily. I selected the Navi car insurance policy for my Renault Captur car.

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    By Puneet Jha
    On: November 8, 2021
  • Quite helpful platform

    The InsuranceDekho is quite a user-friendly portal. It is well designed and is equipped with plenty of solutions. I am very happy to use this platform as it made me purchase Navi insurance for my Volkswagen Polo car easily.

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    By Aminesh Anand
    On: November 2, 2021
  • Swift renewal process

    InsuranceDekho platform has got the top class renewal process of car insurance. I just had to enter my policy number, car number etc, and the renewal of my Navi car insurance plan for my Maruti Swift Dzire was done in a few minutes only.

    Read More

    F
    By Farhan Hashmi
    On: October 27, 2021
Navi Reviews

Navi Car Insurance Premium Calculator FAQs

  • Why should I use the car insurance premium calculator?

    The premium calculator is an online instrument which computes the premium amount and IDV value provided by several insurance companies in the market. This will help you opt for a better car insurance policy.

  • How can I avail the premium calculator to compute the premium amount?

    You can use the premium calculator to calculate the Insured Declared Value (IDV) and premium amount for your car insurance policy at the official website of InsuranceDekho, i.e., www.insurancedekho.com.

  • What factors impact the premium amount of a bike insurance plan?

    Factors that influence the premium of your car insurance plan are as follow:

    • Age of the Owner
    • Anti-Theft Devices
    • No Claim Bonus (NCB)
    • Engine’s Cubic Capacity
    • Insured Declared Value (IDV)

  • Can a premium calculator calculate the insurance premium for my old car?

    Yes, the premium calculator can compute the amount of premium offered by different insurance companies for old cars, which will help you choose a car insurance plan that offers premium based on your budget and requirements. In short, the premium calculator is capable of helping you get premium amounts for new and old cars.

  • What details should I enter to compute the premium on the premium calculator?

    You will be required to enter some details on the premium calculator such as make, model and variant of your car, fuel type of your car, RTO location of your car, engine capacity of your car, registration year of your car, and so on, to get the cost of premium offered by several insurance companies.

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