Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Get Car Insurance starting at only ₹2,094/year #
Compare & Save upto 85%* on Car Insurance
  • Renew policy in 2 minutes*

  • 21+ Insurers to choose

  • 1.2Cr+ Vehicles Insured

    Other models
    Other variants
    Select your variant
    View all variants
      We don’t spam
      View Prices
      Please wait..
      By clicking on “View Prices”, you agree to our Privacy Policy & Terms of Use
      Get Updates on WhatsApp
      Select Make
      Select Model
      Fuel Type
      Select variant
      Registration year
      Registration month
      Save & update
      Please wait..
      Search with another car number?

      We have found best plans for you!! Our advisor will get in touch with you soon.

      Fines for Driving Without Car Insurance in India

      As an initiative to decrease the number of fatal road accidents and rash driving in India, the Government of India made amendments to the Motor Vehicle Act in 2019. If you own a vehicle then you must be aware of the legal requirement of carrying your car insurance policy while driving in India as well as the fine on being caught without one that amounts to Rs. 2000. Read ahead to understand such fines and how you can avoid them.

      Read more

      The Necessity of Car Insurance While Driving

      Driving without a car insurance policy is illegal as per the Motor Vehicles Act, 1998. Third-Party Liability Insurance is mandatory for all motor vehicles to drive legally in India. With the increment in challan amount after the amendment in Motor Vehicle Act, 2019 it has become even more important to know about them to avoid hefty traffic fines.

      Fine for Driving Without Car Insurance

      Indian law states that it is compulsory for any vehicle owner to buy motor insurance, hence there is a fine associated with it. In case you are caught while driving without any motor insurance, you will have to face the consequences.  A fine will be incurred in case the vehicle is not insured. To know the fine charged for not having insurance while driving in India is mentioned below- 



      Old Provision/Penalty​

      Provision as  per the new Motor Vehicles Act, 2019 ​


      Without insurance​ driving


      ​On First offence the fine is Rs 2000, On Subsequent offence for Rs. 4000

      In case you get caught without insurance for the second time then you will be liable to pay a fine of Rs 4000, and imprisonment of up to 3 months is also possible under the discretion of law.

      Consequences of Driving Without Car Insurance

      Different countries have different penalties for driving without insurance, however, some common punishments are mentioned below:

      • Driving without motor insurance can lead to the suspension of your driving license.
      • Your vehicle registration can be suspended too in cases like these.

      Paying for Fines/Challans

      After you violate a traffic rule, the first thing you should do is to cooperate with the traffic police and help them understand your side of things. In case you are not carrying your car insurance and get caught while driving, you should pull over your car where the officer asks you to.

      The officer might ask you to show the registration certificate of your car and your driving license, then just show him everything he needs and you will be pardoned to go without the need of punishment. But, on the contrary, if you hold on to these documents, then the officer can issue a challan instantly for driving a car without insurance cover. To pay the penalty amount of challan you have both online and offline mode.

      Paying Fine through Online Mode

      • First, visit the official website of the State Transport Department
      • Now, look for the section of e-challan payment or payment for a traffic violation. Once you find the tab, click it to move further.
      • The vehicle number and challan number with other details related to the traffic violation are to be entered now. You will have to enter the captcha code after the above details.
      • You can make payment for the challan amount by using either a debit or a credit card too. Along with this, you can also pay through the payment system using digital wallets.
      • Finally, after making the payment, you will get a receipt and a confirmation message.

      Paying Fine through Offline Mode

      If you wish to make the payment of your challan through an offline payment mode, in place of an online or digital mode of payment, then you should visit the traffic police station near you. Now, you should contact the concerned officer to know the exact amount of penalty that is to be paid. Just pay the amount and clear the dues to free yourself from all the charges.

      The full payment of your penalty will allow you to drive your car hassle-free, without any restrictions in the future, either private or commercial. If you fail to make the payment of challan, it will lead to an increase in the fine that will be imposed on you on getting caught for the next time.

      How to Avoid Paying Fines for Driving Without Car Insurance?

      The tips to avoid paying heavy fines are listed below:

      • Storing hard copies of all essential documents such as your license, RC, and pollution certificate in your vehicle is a must.
      • Storing a soft copy of all these documents on your mobile as well as keeping it handy to show in case you are caught.
      • Make it a point to not miss the renewal dates of your insurance policy to avoid penalties.
      • Buy the insurance policy for every vehicle before it gets on the road. A third-party liability policy is mandatory because of the heavy costs incurred in road accidents by accidentally injuring a third person.

      To Conclude

      Driving irresponsibly certainly thrills, but can also kill. While keeping valid motor insurance is quintessential for every owner-driver in India, it is also important for all of us to drive responsibly, within the speed limit, and by following all the traffic rules. Make sure that you keep a valid car insurance policy with you every time while driving so that you can drive legally as well as avoid paying hefty fines.

      Find similar car insurance quotes by body type

      Hatchback Sedan SUV MUV
      Save upto 85% on Car Insurance
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
       Why buy from policybazaar
      Claim Assurance Program

      Car insurance Articles

      • Recent Article
      • Popular Articles
      20 Jun 2024

      Top 5 Car Care Tips to Beat The Summer Heat

      The extreme heat and constant heat wave warnings have made

      Read more
      11 Jun 2024

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand

      Read more
      21 May 2024

      Get Faster Claim Settlement with Policybazaar...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance...

      Have you recently purchased a car insurance policy for your new

      Read more
      22 Feb 2024

      IDV in Car Insurance

      In layman's terms, the IDV full form is the Insured Declared Value

      Read more

      How to Check Car/Vehicle Insurance Status Online

      It doesn’t matter if you are an excellent driver or take your car out only once in a few months; your vehicle must

      Read more

      Getting Your Duplicate Car Insurance Policy is...

      Losing your car insurance documents can be daunting. In such a state of affairs, the first thing that comes to your

      Read more

      How To Find Car Insurance Details By Registration...

      Sometimes, you may face situations when you need car insurance or vehicle owner details but cannot readily access

      Read more

      How to Transfer Car Insurance Policy?

      An integral part of selling a car for both the buyer and the seller is ensuring a successful car insurance transfer

      Read more

      How to Check Car Owner Details By Registration...

      Scenarios like hit-and-run accidents or purchasing a second-hand car require you to find car owner details by number

      Read more

      #Rs 2094/- per annum is the price for third-party motor insurance for private cars (non-commercial) of not more than 1000cc

      *Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB. Actual time for transaction may vary subject to additional data requirements and operational processes.

      ##Claim Assurance Program: Pick-up and drop facility available in 1400+ select network garages. On-ground workshop team available in select workshops. Repair warranty on parts at the sole discretion of insurance companies. Dedicated Claims Manager. 24x7 Claim Assistance.

      View Plans
      Download the Policybazaar app
      to manage all your insurance needs.