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Best Motor Insurance Plans in India 2026
Top 10 insurers compared honestly — premiums for cars & two-wheelers, claim ratios, cashless garages, and add-ons. No commissions influence these rankings.
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IRDAI data
Updated 2026
Zone-adjusted pricing
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Disclaimer: Base premiums shown are indicative for a 1-year-old vehicle registered in Delhi (Zone A) with IDV of ~₹6L (hatchback), ₹9L (sedan), ₹12L (SUV), ₹65,000 (110cc two-wheeler). Zone B prices are ~12% lower; Zone C ~20% lower — these are approximations based on IRDAI zone multipliers. Actual premiums vary by vehicle age, model, RTO, fuel type, NCB, and add-ons. Claim settlement ratios are from IRDAI annual reports and insurer disclosures. InsureScan does not sell insurance and earns no commission. Always verify current premiums directly with the insurer.