Your RTO details
RTO name
Contact No.
  • City & RTO
  • Car Brand
  • Car Model
  • Car Fuel Type
  • Car Variant
  • Registration Year
Looking for Car Insurance?
Get Car Insurance starting at only 2094/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.

      Car Insurance In Kerala

      Kerala, God's own country, is known for its eye-catching views and mesmerizing beauty. The city's economy, as well as population, has been growing at a fast pace in recent years. Whether you own a car or are planning to explore this bustling city via car, make sure you stay financially and legally covered from unforeseen circumstances with the help of a car insurance policy in Kerala.

      Read more

      Stats About Kerala Traffic

      • 48,141 road accidents were reported in Kerala in 2023.
      • The total number of fatalities in 2023 was 4,010.
      • As per the Motor Vehicles Department, 38% of vehicles registered in Kerala do not have insurance coverage.

      Why Should You Buy Car Insurance in Kerala?

      Not only is it a mandatory requirement, but buying car insurance in Kerala is also essential to cover your car financially from unforeseen damages. Paying for heavy repair expenses can be burdensome for many. Thus, a car insurance policy can help you cover these, giving you peace of mind. Here is why you should invest in a four-wheeler insurance policy in Kerala:

      • Protection from Kerala's Weather: Kerala experiences tropical monsoon with seasonally excessive rainfall and hot summer. This makes the roads and remote areas flooded. Moreover, the state witnessed harsh floods in 2018, causing heavy damage to life and property.
        Under such unpredictable weather, it becomes more than important to own a car insurance policy to cover your car's damages. Apart from this, you can also include an Engine Protect Cover to financially cover your car's Engine if it suffers damage due to water ingression in floods or heavy rainfall.
      • Legally Covered: Not having car insurance in Kerala is a traffic rule violation and can cost you heavy fines of up to Rs. 2,000. Moreover, it may also lead to imprisonment of 3 months if you repeat the offence.
        Thus, to avoid these legal consequences, ensure that you invest in a motor insurance policy for your car. Not only will it keep you legally covered on the road, but it will also offer financial assistance in case of accidental damages.
      • Theft Cover: Losing your car would be the last thing you want while driving in Kerala. Moreover, being the 13th largest state in India, the incidences of theft and burglary are also on the rise. Though you cannot avoid such unforeseen incidents, you can indeed get covered against them by purchasing a car insurance policy.
        With comprehensive car insurance, you can receive compensation up to the Insured Declared Value of the car if your vehicle suffers a total loss due to theft.

      Types of Car Insurance Policies in Kerala

      Three major types of car insurance policies are offered in Kerala. These include:

      1. Third-Party Car Insurance

        This type of four-wheeler insurance policy covers any damages to third-party caused by the insured car. Liabilities like third-party death, disability and property damage are covered under this policy. Any damage to the insured vehicle is not covered.

      2. Standalone Own Damage Car Insurance

        A standalone own-damage insurance policy aims to compensate the policyholder if his/her car sustains damages due to unforeseen incidents. These incidents include road accidents, fire, theft, etc.

        An OD car insurance policy does not cover third-party liabilities. It can be purchased to get OD coverage if you have an existing third-party car insurance policy.

      3. Comprehensive Car Insurance

        A comprehensive car insurance policy is a package policy that includes both third-party and own damage cover. This type of car policy is not mandatory but is recommended due to its broader coverage.

        It provides financial coverage to the insured car if it sustains damages/losses due to accidents, thefts, fire, natural calamities, manmade acts, etc. It also covers any third-party liability caused by the insured four-wheeler.

      Explore add-ons for your car insurance

      Plans starting from @ ₹2,094/year*
      Car Insurance
      Zero Depreciation Car Insurance
      Car Insurance
      Compulsory Personal Accident Cover
      Car Insurance
      Bumper to Bumper Insurance
      Car Insurance
      NCB Protector Add-On Cover
      Car Insurance
      Bundled Policy
      Car Insurance
      Roadside Assistance Cover
      Car Insurance
      Return To Invoice
      Car Insurance
      Multi-Year Car Insurance
      Car Insurance
      Engine Protection Cover
      Car Insurance
      Personal Possessions Cover
      Car Insurance
      Voluntary Deductible in Car Insurance
      Car Insurance
      Key Replacement Cover
      Car Insurance
      Daily Allowance Cover
      Car Insurance
      Tyre Protector Cover
      Car Insurance
      Rim Damage Cover
      Car Insurance
      Car Accessories Cover

      Coverage Offered Under Car Insurance in Kerala

      The coverage offered under car insurance in Kerala includes:


      Damages that a car insurance policy in Kerala are covered include:

      • Death or disability to the third party. Property damage of the third party
      • Losses to the insured car due to theft or burglary
      • Fire, explosion or self-ignition causing losses to the insured car
      • Damages to the insured vehicle due to accident, collision
      • In transit, damages sustained by the insured car are also covered.


      Losses that are not covered under a comprehensive car insurance include:

      • Damages to the insured vehicle when the driver was driving under the influence of alcohol
      • Accidental damages to the insured car when being driven outside the geographical limits
      • Claims cannot be raised for damages arising out of civil or nuclear war
      • Damages caused when the driver was not carrying a valid driving licence are also not covered
      • Contractual liabilities of the owner/driver of the insured car

      How Much Car Insurance Coverage You Need in Kerala?

      The car insurance coverage one needs in the state of Kerala depends on his/her budget and requirements. If you have a new car, it is essential that you cover it with all possible risks, including third-party liabilities and the car's own damages. In such a case, it would be best to go with a comprehensive car insurance policy. This policy will offer your car an overall protection.

      On the other hand, if your car is old or you have a lower budget, you can opt for mandatory third-party car insurance. This policy only covers third-party liabilities and carries a lower premium. So, whether you want a full coverage policy or just a basic one depends on your needs. You can also compare car insurance plans in Kerala from and choose the coverage that meets your requirements.

      How to Buy Car Insurance Online in Kerala?

      If you are planning to purchase a new car insurance policy in Kerala or want to renew your existing one, you can easily do so with the help of these steps:

      • Visit the official website of Policybazaar Insurance Brokers and select "Car Insurance" from the homepage
      • Enter your car number or select the "Brand New Car" option.
      • Select RTO in Kerala, car's make, model and fuel type
      • Compare and choose the car insurance plan of your choice
      • Select the addons you wish to include in your plan from the "Addons and Accessories" dropdown.
      • Pay the premium amount using online payment modes.
      • Once the payment is complete, your car insurance policy will be sent to your email address.

      Traffic Do's and Don'ts in Kerala

      Make sure to follow these traffic rules while driving in Kerala:

      • Always wear a seatbelt while driving on the roads of Kerala.
      • Refrain from overspeeding or overtaking other vehicles, which can lead to accidents.
      • Keep all the required documents like DL, RC, PUC and car insurance papers while driving in Kerala. Failure to show any document can attract heavy traffic challan in Kerala.
      • Do not drive under the influence of alcohol. Make sure to follow all traffic signs.


      • Q1. How to find the best car insurance in Kerala?

        Ans: You can get the best car insurance plan in Kerala by comparing plans from multiple insurers on and choosing the one that best suits your needs.

      • Q2. How can I reduce car insurance prices in Kerala?

        Ans: Follow these ways to reduce your car insurance premium in Kerala:

        • Save up your No Claim Bonus by not raising a claim during a policy year
        • Get an ARAI-approved anti-theft device installed in your car
        • Become a member of the Automobile Association of India
        • Compare plans thoroughly before purchasing
        • Do not invest in unnecessary add ons
      • Q3. Can I enhance my car insurance policy in Kerala?

        Ans:The coverage of a four-wheeler insurance policy can be enhanced by purchasing add ons at some extra premium. Some useful car insurance add ons include NCB Protect addon, Zero-Dep cover, Engine Protect cover, Roadside Assistance cover, Consumables cover, etc.

      • Q4. Will I need any documents to raise a car insurance claim in Kerala?

        Ans:Yes, you will need the following documents to raise a four-wheeler insurance claim in Kerala:

        • Car insurance documents
        • Copy of Police FIR
        • Copy of vehicle's RC
        • KYC
        • Bills and estimates of repair
        • Licence copy of the driver driving the car during the accident.

      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

      Car insurance articles

      • Recent Article
      • Popular Articles
      21 May 2024

      Get Faster Claim Settlement with Policybazaar Claim...

      Getting your car insurance claim settled is no longer a hassle

      Read more
      17 Apr 2024

      Understand the Nitty-Gritty of Car Insurance Policy...

      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
      31 Jan 2024

      Must-Have Car Insurance Addons for Brand New Cars

      Investing in a full-coverage car insurance policy is essential for

      Read more
      29 Jan 2024

      No Claim Bonus (NCB) in Car Insurance

      No Claim Bonus (NCB) is a reward given by an insurer to a

      Read more
      11 Aug 2021

      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
      20 Jun 2019

      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
      20 Dec 2021

      How To Find Car Insurance Details By Registration Number

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

      Read more
      03 Jun 2016

      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
      20 Jul 2017

      Comprehensive Insurance Vs Third Party Insurance

      Comprehensive car insurance offers protection to the insured car against third-party liabilities and own damages due

      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.