Best Car Insurance For 18 Years Old In India 2024

Updated On: 2023-04-21

Author : Team Policybachat

When you are 18, you are considered an adult and should be able to make your own decisions. However, this does not mean that you can go and buy a car without any insurance. There are a lot of risks associated with driving and the consequences of not having car insurance can be harmful.

The best car insurance for 18 year old drivers will depend on their needs and budget. There are many different types of policies available so it is important to compare them before making a decision.

Car insurance is a type of insurance coverage. It covers the cost of repairing or replacing the vehicle in case of collisions, theft, fire, natural disasters, and other perils. The cost of car insurance for 18-year olds in India is based on their age, the type of vehicle they are driving and the city or state where they live. The cost can vary greatly between different insurance providers. The average cost of car insurance for 18-year olds in Delhi is about Rs. 2,000 per year. This is because Delhi has one of the highest rates of accidents and theft.

What is the Best Car Insurance for 18 Year Olds?

Car insurance is a type of insurance that covers damages or injuries that occur to the insured's car. It also protects against theft of the car, and vandalism. The main objective is to protect against physical loss or damage to a vehicle, due to collision, theft, fire, vandalism, and natural disasters such as hail, flood, and earthquake.

Car insurance for 18 year olds in India is not compulsory but it is advisable to have it because it protects them financially if they are found at fault in an accident or if their car gets stolen or vandalized.

For example: If you were driving your car and got into an accident that was your fault then your car insurance would cover all damages caused by you in that accident. In some cases when someone else caused an accident but you were at fault they might be covered by their own car insurance company but not yours unless you have it too.

How to Get the Cheapest Car Insurance for 18 Year Olds?

The best way to find the cheapest car insurance for 18 year olds is to compare quotes from different providers. This way, you can find the cheapest car insurance for 18 year olds and also get a good deal on your vehicle.

  • The first step is to compare the rates of different insurance providers. The best way to do this is to compare quotes at PolicyBachat. You can also talk to our agent who will help you with this process.
  • Next, before you sign up for a plan, it's important to read the fine print and understand what your insurance policy covers. You should also look at the deductible and whether or not there are any discounts available for drivers who have had no accidents in a certain period.
  • Lastly, if you're able, consider purchasing liability only coverage. This type of coverage will cover damages that you cause to other people's property or injuries that you cause them while driving your car on public roads.

Types of Car Insurance for 18 Years Old in India:

Car insurance for 20 years old is a type of insurance coverage that protects the insured from financial loss arising from car accidents. In India, car insurance is compulsory for all vehicle owners. There are many types of car insurance plans available in India. Car insurance policies come in two main types; each offers different levels of coverage. The most common ones are third party liability, and comprehensive.

Third party liability covers only the damages caused by the insured to a third party

  • Physical injuries
  • Damages to the vehicle
  • Damage to the property, and
  • Death.

Comprehensive covers any damage caused to the insured’s vehicle as well as other vehicles or property due to an accident or theft.

  • Damage caused by Natural disasters or severe weather
  • Fire
  • Theft
  • Vandalism
  • Damage to the third party
  • Damage to your vehicle caused by falling objects such as trees
  • Damage or destruction of your vehicle caused by an act of civil disturbance such as riots.

How to Buy the Affordable low budget Car Insurance for 18 Years Old in India?

  • Add an 18-year-old to the Parents Policy: stay on your parent’s car insurance policy. If your parents keep you on their policy, it will almost certainly be the cheapest way to get auto insurance coverage. The increase in premiums on your parents’ policy is likely to be lower than the cost of your policy.
  • Take a driver’s safety (License): One of the primary reasons a young driver’s car insurance is so high is the lack of driving experience. Defensive driving safety courses are available to take that could lower car insurance premiums over several years. Most can be completed online in just a few hours, making them a worthwhile option for additional savings.
  • Raise your deductible: The deductible is the amount you’ll pay out-of-pocket before your insurance company steps in to pay the rest. Consider raising the deductible amount to lower your insurance premiums. Before you raise the amount, make sure you can afford to pay the lump sum in the case of a claim.
  • Choose a friendly car: Some cars are much more expensive to insure than others. Sports cars and SUVs are some examples of vehicles you should steer clear of if you’re worried about car insurance premiums. An eco-friendly hybrid or compact car may be far less expensive to insure.

Parents Car Insurance for 18 Years old:

Parents who add their 18-year-old child to their car insurance policy will also see a huge rate increase, but not as much as an 18-year-old would pay as the main policyholder. The average cost of adding a teen driver to an insurance policy is around Rs. 4,048 for a male and Rs. 3,819 for a female.

When an 18-year-old purchases their car insurance policy, there are a few factors that impact their rate. Mainly, insurance companies look at their state and zip code, their claims history, and the type of car they drive. As the driver gets older, their car insurance premium will start to drop. However, they won’t see a significant reduction in premium until they are well into their 20’s.

What if you get into an Accident with your Parents Car?

If you get into an accident with your parent's car, the insurance company will not cover the cost of repairs. You would be responsible for paying for any damages that are not covered by the insurance company.

Tips to Save Money on Car Insurance for 18 years old:

Having a car is a necessity in today’s world. But, the cost of car insurance can be a significant burden for any family. It's important for 18 year olds to get motor insurance to protect themselves and their family in the event of a crash. However, insurance can be expensive. It's a good idea for a young driver to shop around and compare rates from different providers. The good news is there are also affordable options that can provide full coverage for these drivers.

  • Insurance companies will often reward drivers who have been driving for more than 10 years by reducing their rates by as much as 20%.
  • Get clean driving records and get good student discounts, be a safe driver, and obey the law.
  • Use a car with low mileage, if possible, to reduce your risk of an accident and get a lower rate on your car insurance policy.
  • Raise their deductibles to reduce their premiums.
  • Keep your vehicle in good condition by following the car manufacturer’s maintenance recommendations and making sure it is properly insured against damage from collisions or theft, which can lower your rates as well as increase the amount of coverage you have available for collision or theft claims in the event of an accident or theft loss to the vehicle.
  • Compare quotes from different companies some may offer better rates than others for similar coverage levels.

How to Buy Car Insurance for 18 years Old Online?

Car insurance for 18 years old can be purchased online from the PolicyBachat portal in two easy steps. At PolicyBachat we cater unbiased comparison of quotes, 24*7 customer assistance team your motive is to give our customers the right quotes with compare car insurance rates online.

  • Go to compare car insurance quotes online at
  • Fill in the required details select your Car Model & Variant, RTO Location, Registration date, and Email address.
  • Click on the “START SAVING MONEY”.
  • Choose between a Third-Party Liability Only and a Standard Package (Comprehensive Insurance).
  • Premiums with different insurance companies are displayed with low premiums
  • Select required Add-ons/Riders and discounts, or you can Edit Policy Details as per your requirement
  • After that fill in the ‘vehicle owner details and personal details.
  • Purchase best Car Insurance Policy using online payment
  • If any queries are raised call: 1800–123–4003.

How to Renew Car Insurance for 18 years Old Online?

Car insurance for 18 year old insurance can be renewed online by visiting the website PolicyBachat first and then selecting a suitable insurance company. It’s worth noting that each insurance company’s renewal process may differ slightly. The following is a step-by-step guide to renewing an insurance policy online:

Step 1: log in to PolicyBachat.

Step 2: Choose a policy that is about to expire or has already expired.

Step 3: Select the coverage you require and click “Renew.”

Step 4: Read the insurance policy’s inclusions and exclusions, as well as the terms and conditions. Also, make sure to read the small print.

Step 5: Pay for the policy and receive it at your registered email address.

How much is Car Insurance for 18 year old?

Car insurance is a type of insurance that covers the car and its passengers from any sudden and unforeseen incidents. In India, car insurance is mandatory for all cars. The cost of this insurance depends on the type of car, the driver’s age, and other factors.

The cost of car insurance for 18 years old in India varies depending on the type of vehicle that they are driving. For example, if they are driving a two-wheeler then they will have to pay around Rs. 600 to Rs. 800 per month whereas if they are driving an SUV then it might cost them up to Rs. 12000 per year or more depending on their age group and other factors like accident history etc.

The most affordable cars to insure are the small hatchbacks like the Maruti Alto 800. These cars do not cost more than Rs 1 lakh and hence you can expect to pay no more than Rs 1500 for annual insurance premium. The least expensive cars to insure are usually basic models with low-power engines like the Honda Brio.

Car Insurance Companies for 18-year-old: Comprehensive Cover Coverages Insured Declared Value IDV Premium
Bajaj Allianz Car Insurance 1 year NCB Discount, commercial discount, 24x7 Roadside assistance, and Key Replacement. 1.75 lakh 4669
National Car Insurance 1 year NCB Discount 1.62 lakh 3793
Digit Car Insurance 1 year NCB Discount 1.42 lakh 4095
TATA AIG Car Insurance 1 year NCB Discount 2.15 lakh 4210
HDFC ERGO Car Insurance 1 year NCB Discount 1.99 lakh 4562

How much is car insurance for 18 year old female drivers?

Car insurance rates are based on several factors, including the driver's age, gender, driving history, and the car they want to insure. So how much would you pay for car insurance if you are an 18-year old female driver in India?

The average cost of car insurance in India is Rs. 2,000 to Rs. 3,000. The cost can increase or decrease depending on your driving history and other factors. You can get the best quote from the company’s website.

How much is insurance for an 18 year old male driver?

The cost of insurance varies depending on the type of vehicle, the age of the driver, and other factors. The cost also differs from state to state. The average cost monthly insurance premium for a 20-year-old male driver in India is about Rs. 3000 – Rs. 4000.

In India, for example, an 18-year-old male driver would pay around Rs. 15,000 for a comprehensive insurance policy. To get a quote from an insurer it is necessary to provide information about your vehicle and details about yourself such as your age and address.

Conclusion: Car insurance for 18 year olds is a lot cheaper than it is for older drivers. Teenagers have always paid more for car insurance; their lack of experience on the road makes them a higher risk for insurers, as statistically, they are more likely to be involved in a road accident. But this doesn’t last forever, car insurance premiums will fall naturally as you get older and insurers see you as less of a claim risk.

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