Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Track & Policy DownloadLogin
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 Premium Online

Select your car brand

  • Maruti
  • Hyundai
  • Honda
  • Toyota
  • Mahindra

Which city is your car registered in?

  • Ahmedabad
  • Bangalore
  • Chandigarh
  • Chennai
  • Gurgaon

When did you buy your car?

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


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.

    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.

    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.

    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.

    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.

    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.

    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.

    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

    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.

    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.

    By Shreya Girotra
    On: June 13, 2024

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.,

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.