Call us now to secure insurance coverage. Timing: 9:00 a.m. to 07:00 p.m. everyday.
Chat with us on our WhatsApp number
Find quick answers to all your insurance queries from our self-help section.
Call us for any help with renewals or claims. Timing: 09:00 a.m. to 07:00 p.m. every day.
Join India’s leading general insurance company. Timing 09:30 a.m. to 06:30 p.m. Monday-Saturday.
Buy car insurance in Mumbai starting at just ₹238/month*
Sent to Edit
Resend OTP in 60 Seconds
Our Insurance Expert will contact you to provide you further details.
Manish Sinha
Deputy Vice President
14 years of vast experience in General Insurance Industry and Motor Underwriting, Digital Underwriting, Underwriting IT, Insurance Motor Products & development.
As one of India's busiest metro cities that never sleeps, the roads of Mumbai reflect this reality too. As per a BMC report (2024-2025), the Mumbai vehicle population has crossed the 50 lakh mark. Yet, the road length of Mumbai sits stationary at 2,000 km. This leads to frequent bottlenecks and traffic snarls. Thus, owning a car in Mumbai is often more about navigating unpredictable traffic rather than mere convenience.
This makes having reliable car insurance in Mumbai all the more important. For instance, the repair cost of a minor collision in rush-hour traffic or an engine breakdown during the Mumbai monsoon can potentially put a dent in your savings. In both these scenarios, having the best car insurance policy in Mumbai can help you find a manageable solution.
Reliance Car Insurance is specially curated to provide relief and assistance to motorists on the busy roads of Mumbai when needed. In a city where traffic jams frequently lead to delays, services such as breakdown assistance via our Self-i app and access to cashless repairs at our 11,000+ network garages* ensure policyholders receive appropriate assistance promptly.
As of 2024, Mumbai recorded the highest number of accidents in Maharashtra over the past three years. Plus, according to the TomTom report, the city also witnesses one of the slowest commuting times, with the average journey of 10 km during peak hours rising to 29.26 minutes compared to 21.20 minutes in 2023. These figures all indicate the need for vehicle owners to invest in car insurance to safeguard against on-road as well as financial risks.
We are committed to protecting every journey, no matter how big or small, with affordable policies that align with your insurance needs.
Easy to Buy, Renew & Claim*
All possible via the Self-i app
Up to 3 Years Coverage*
Longer coverage to avoid policy lapses.
Video Claims Feature*
Easy and paperless claim registration.
24/7 Customer Support*
Expert assistance is always accessible.
From the narrow lanes of South Mumbai to the ever-busy Western Express Highway, our policies are built considering the unique challenges that motorists face in Mumbai. With affordable premiums, extensive coverage, and digital processes, we ensure your journeys are protected at every turn. Here's a look at our highlights:
Note: The values mentioned in the table above are subject to change. For detailed information, kindly refer to the official policy documents or contact us.
A comprehensive policy offers complete protection by covering own damage as well as third-party liabilities. Car owners in Mumbai are advised to buy comprehensive insurance due to the risk of accidents and monsoon-related damages. Whether your vehicle is damaged because of a collision or your engine is suffering from driving in flooded streets, your repair bills are taken care of.
Buy Now
With a PAYD insurance policy, you will be charged depending on how much you actually drive, usually between 2,500 and 10,500 km yearly*. If your primary mode of commute is the Mumbai local or metro, and you only take your car out occasionally, this policy can be the right choice. This is a perfect plan for urban residents who want flexibility without overpaying.
If you have a third-party car insurance in Mumbai, you can opt for own-damage cover to safeguard your car. Under this plan, your vehicle will be protected from accidental damage, natural disasters, and total loss due to theft. For instance, if your bumper sustains damage because of traffic, or the undercarriage is hit by potholes, the policy will cover the cost of repairs.
Every vehicle owner must at least have valid third-party liability cover by law. It compensates for damages caused to third-party persons, vehicles, or property in case of an accident. Without this policy, car owners could face penalties ranging from ₹2,000 to ₹4,000 and even imprisonment for up to 3 months. We offer 1-year and long-term 3-year* coverage, thereby ensuring legal compliance alongside affordability.
Finding the right car insurance price in Mumbai is both easy and effortless with the aid of our free premium calculator. Simply provide the relevant car details, add your contact information, and you will receive the quote for a policy that is perfectly aligned with your insurance needs. Here's how:
Accidents:
Compensates for the cost of repairs when your car is damaged in a road accident or collision.
Regular Wear and Tear:
You're covered for repair bills, but coverage of ageing parts is excluded.
Fire Damage:
Covers the repair costs if your car has been damaged owing to lightning, fire, or explosion.
Engine Breakdown:
Engine-specific failures not associated with accidents will require add-on coverage.
Natural Disasters:
Offers protection against floods (a common occurrence in Mumbai monsoons), storms, or earthquakes.
Illegal Activities:
We cover all accidents in Mumbai, but not those from unlawful driving activities.
Third-Party Claims:
Pays for damage or injury caused to other people or their property.
International Travel:
We offer pan-India coverage, but accidents outside India will require add-on coverage.
Transit Damage:
Covers the damage to your vehicle while in transit via rail, road, or air.
Theft Protection:
Financial protection in case your car is broken into or stolen.
Note: Please refer to the official policy documents for a detailed list of inclusions and exclusions.
There are unique challenges that drivers in Mumbai have to face, including daily traffic jams, uneven roads, heavy monsoons, limited parking spaces, frequent accidents, etc. In such trying road conditions, a stronger policy with extra protection can offer the right coverage and peace of mind. Here are some popular add-ons to consider for strengthening a standard car insurance policy:
This helps insurance holders get the entire cost of replacement for parts without deducting depreciation costs. It is available for two policy claims per year and helps save a significant amount of money during repairs in Mumbai.
Premiums in this policy depend on the kilometres you actually drive. The limits have been set between 2,500 and 10,500 km yearly*. It is an ideal option for residents who rely on public transport and drive occasionally.
If your car is stolen or damaged, this add-on reimburses the entire invoice value. It also covers the registration fees and the taxes paid at the time of purchase. This helps you recover the real value in areas with a high risk of theft.
Mumbai monsoons are infamous for flooding, which could severely damage car engines. This add-on provides coverage for repair costs of engine damage due to floods, oil leakage, or breakdowns.
The uneven road conditions in Mumbai and numerous potholes are often the cause of tyre cuts and punctures. This cover will pay for the repair and replacement costs of both tube and tubeless tyres, ensuring you don't have to pay these costs out-of-pocket.
How often do you misplace your keys? If you have to count, you may need this cover. It helps pay for the costs of replacement, reprogramming, or repairing locks and smart keys. In addition to ensuring convenience, this also enhances security for your car.
When your vehicle is being repaired, the costs of consumables such as oils, nuts, bolts, and lubricants have to be borne by the vehicle owner, as this is not covered in a standard policy. With this add-on, however, these small but frequent expenses are reimbursed, thereby reducing financial strain.
Driving on the pothole-ridden roads of Mumbai means frequent delays and stress. This add-on will cover the cost of up to four rims per policy year. This helps maintain the look as well as the safety of your beloved car.
If your car breaks down in the rush-hour traffic of Mumbai, you could be greatly stressed. This add-on gives some peace of mind with round-the-clock towing, fuel delivery, jumpstarts, and basic repairs. It helps ensure you never feel helpless or stranded, whether on highways or in flooded neighbourhoods during heavy rains.
Expensive belongings kept in your car, such as laptops, phones, or bags (items worth over ₹5,000*) can also be protected. It is a valuable cover for working professionals in Mumbai as it enables them to financially protect their personal belongings against theft.
If your car repairs take longer than three days* this add-on provides cash to make arrangements for alternative transport. It is ideal for Mumbai dwellers who are dependent on their car for everyday commutes.
Extended repairs can cause additional strain if you have a car loan. The EMI protection cover will pay the EMIs on behalf of the policyholder if their vehicle is getting fixed up in an authorised garage for 21, 42, or 63 days*. This ensures repayment continues without hindrances.
Generally, raising a claim reduces your no-claim bonus (NCB). With this add-on, however, individuals can raise up to two claims a policy year* without losing their discount. Insurance holders in Mumbai can save up to 50% on their premiums at the time of policy renewal.
If your car is equipped with electrical accessories like GPS, music systems, or AC upgrades, this cover will protect them from theft or damage. This is advisable for vehicle owners in Mumbai who modify their cars with non-standard electrical modifications.
For safeguarding aftermarket customisations such as CNG kits or seat covers. While standard fittings are covered in the basic plan, this add-on ensures non-electrical upgrades are also protected. It is a useful cover in Mumbai, where vehicle owners often invest in fuel-saving kits.
Batteries are the most expensive part of electric vehicles, and they are also vulnerable to damage. It is only natural for EV owners to appropriately safeguard their car batteries against waterlogging, accidents, or electrical faults, which is made possible with this add-on.
Home charging units and portable adaptors can be protected with the aid of this add-on against damage, theft, or natural disasters. As the public charging infrastructure is still developing in Mumbai, this add-on cover is an important investment for EV owners who depend on private chargers.
With this add-on, EV owners can protect their vehicle against short circuits, leaks, or failures. It helps electric car owners in Mumbai safeguard their finances from the high-repair costs of EV-specific components that are entirely covered under the policy.
With this cover, the scope of your policy can be extended to neighbouring countries like Nepal, Bhutan, and Sri Lanka. This is the perfect add-on for adventure-seekers in Mumbai who are planning a road trip.
Note: The list of add-ons provided under your plan and the coverage limits provided under each add-on are subject to change based on your chosen policy. You can find the full list of add-ons with the most up-to-date coverage limits linked here.
Step 1: Immediately report the incident to the insurer using the Self-i app on your phone.
Step 2: A surveyor will be assigned based on your location for a quick assessment of the damage sustained.
Step 3: Upload pictures or get on a live video call to review the damage.
Step 4: Share the relevant documents like policy, RC, license, FIR, and estimates.
Step 5: Get your car repaired at a network garage, and the bill will be directly settled by us.
Step 1: Notify about the incident by calling the customer support number at 022-48903009.
Step 2: Within 24 hours, our team will connect with you and assign a surveyor.
Step 3: A damage inspection will be done by the surveyor, who will take pictures and prepare a report.
Step 4: Submit documents, including insurance policy, RC, license, FIR, and repair bills.
Step 5: Settle the bill with the garage first and save the invoices for reimbursement.
Note: For precise claim-related information, please refer to our policy documents or get in touch with our customer helpline.
With the continually increasing vehicle count in Mumbai and a near stagnant road length, there is an increasing risk of accidents. Data from several traffic statistics indicate increased accident-related injuries and fatalities in the city. Add to this the frequent monsoon floods and unpredictable road conditions, and it is clear that the vehicle owners in Mumbai have to navigate a unique set of challenges.
Aside from the legal requirement, the problems reveal a practical need for investing in comprehensive car insurance in Mumbai. This ensures your finances and your beloved car are protected from third-party liabilities as well as own damage.
Reliance Car Insurance makes it easy to find the best car insurance policy in Mumbai with benefits that are uniquely tailored for city conditions. Our policies start at just ₹238 per month and offer 24/7 customer support. Plus, our 99.57% claims settlement ratio* and 11,000+ cashless garages*ensure all your cashless claims are quickly settled.
Additionally, our Self-i app makes it easy to manage everything digitally, whether it is policy renewal or claim filing, making managing an online car insurance policy in Mumbai easier than ever. Our plans are designed to provide affordability, coverage, and convenience to ensure your finances and your beloved car are appropriately safeguarded.
Car Insurance | Pay As You Drive Insurance | Third Party Insurance | Comprehensive Insurance| Long Term Car Insurance | Own Damage Insurance| First Party Car Insurance
Tata Car Insurance | Maruti Car Insurance | Hyundai Car Insurance | Mahindra Car Insurance | Toyota Car Insurance | Kia Car Insurance | Ford Car Insurance | Skoda Car Insurance
Eeco Car Insurance | Scorpio Insurance Price | Swift Insurance Price | Innova Crysta Insurance Price | Wagon R Insurance Price | Ertiga Insurance Price | Baleno Insurance Price | Swift Dzire Insurance Price | Creta Insurance | Tata Nexon Insurance Cost
Is car insurance mandatory in Mumbai?
Yes, according to the Motor Vehicle Act, every vehicle owner in India must at least have third-party insurance to legally drive in the country. Driving without a valid policy would lead to fines or even imprisonment. However, for complete protection, vehicle owners are advised to invest in a comprehensive policy.
How can I lower my car insurance premiums in Mumbai?
You can save your premium payable by opting for higher deductibles, ensuring safe driving practice with a clean driving record, and carefully selecting necessary add-ons wisely. For every claim-free year, the policyholder is rewarded with the NCB at the time of policy renewal.
How do I select the best car insurance in Mumbai?
To find the best car insurance policy in Mumbai, carefully analyse your insurance needs, compare different policies, check the claim settlement ratio, and ensure an easy and seamless claim procedure. It is also important to strengthen a basic cover with relevant add-ons for added protection.
Which add-ons are advised for car insurance in Mumbai?
For vehicle owners in Mumbai, popular add-ons include:
The above add-ons help vehicle owners get well-rounded protection against their policy. However, add-ons have to be tailored depending on specific insurance needs, like EV Battery Protection for EV owners in the city, or Geo Extension Cover for travel enthusiasts.
Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Premium: The premium mentioned for car Insurance excludes taxes for the private car model Maruti Suzuki Alto 800 with a cubic capacity of less than 1000 cc for a 1-year Own Damage Insurance policy for an IDV of ₹2,34,728. The premium used is 2,853/year as of 1 March 2023 and then converted into a per-month basis, which gives us ₹238/month (2,853/12).
Discount: The discount varies basis vehicle specifications, No Claim Bonus discount and Geographical location of the vehicle to be insured. Discounts have been calculated on the basis of the rates prescribed under erstwhile Indian Motor Tariff. Discounts are applicable only to the Own Damage section and discounts may vary as per the vehicle make, model, RTO, age of the vehicle and addition of add-ons like Reliance Limit Sure-Pay As You Drive.
Thanks for the information. Our Customer Care will get back to you.
