Car Insurance in Coimbatore

Well-known for its uniquely designed shrines and forts, Coimbatore in Tamil Nadu is the city of cultures and tradition. It is also known as the Manchester of South India. There also many prime locations in the city for you to explore, namely Madampatti, Ramanathapuram, Saibaba Colony, Ponnaiya Rajapuram, and Supercity Cheran Nagar. Or you can also roam around and try out the authentic local dishes of the city.

While exploring Coimbatore, you might want to check the car insurance price to find a plan that best suits your needs and budget for a worry-free journey, as car insurance will cover any damages from accidents, theft, natural disasters and man-made hazards in Coimbatore.

Here are a few key statistics of traffic and four-wheelers in Coimbatore:

• In 2020, Coimbatore city had approximately 106,703 registered motor vehicles (total, all types) as per MoRTH data reported via CEIC.


• In 2022, Coimbatore city recorded 1,083 road accidents and 258 fatalities—out of district totals of 3,983 accidents and 951 deaths as per reports and as per state crime bureau data.


• As per the statement by the DCP of Tamil Nadu, from Jan to Sept 2024, 220 people died in city accidents.


• Coimbatore has 4 RTO zones: TN‑37 (South), TN‑38 (North), TN‑66 (Central), and TN‑99 (West).


• Total revenue collected by all RTOs in Coimbatore in 2025 = ₹4,17,65,42,668, and total cars registered in 2025 till date = 60,326. (Parivahan).


• According to locals and news reports, the most traffic-congested areas include Sathy Road (especially Ganapathy), Avinashi Road, Trichy Road, and Mettupalayam Road.

In Coimbatore, you can choose from 3 different types of car insurance policies available online:

• Third-Party Car Insurance

A third-party car insurance policy in Coimbatore covers any liability that has arisen from an accident caused by the policyholder’s car towards a third party (property or person). Failing to carry one can lead to fines (₹2,000 to ₹4,000), and as per the Motor Vehicle Act 1988, this type of car insurance policy is mandatory.

• Comprehensive Car Insurance

In Coimbatore, comprehensive car insurance provides full round protection that includes third-party damages and own damages. The protection can be further enhanced with add-ons, making it the best choice for financial security for car owners in Coimbatore.

• Own-Damage Car Insurance

Own damage car insurance or standalone car insurance covers damages caused to the policyholder’s vehicle in an accident, natural disaster or man-made hazard. It does not cover third-party car insurance and needs to be purchased separately for legal compliance.

Price of car insurance or car insurance premium in Coimbatore is affected by the following factors:

• Car Information

Car details like its price, age, model, and variant directly influence the premium calculation of car insurance in Coimbatore.

• Location

In Coimbatore, car insurance rates can vary depending on the location of the vehicle; higher-risk areas have higher premiums.

• Driver’s Record

The driver’s background can also affect the premium price of car insurance in Coimbatore.

• Details of the Car Insurance Policy

The type of car insurance, term, deductibles, and add-ons selected directly affect the price of the car insurance policy.

• Discounts

NCB bonuses, festive offers and direct discounts also affect the premium rate of the car insurance policy in Coimbatore.

The benefits of buying four-wheeler insurance in Coimbatore are:

Common inclusions and exclusions of car insurance in Coimbatore are:

Inclusions of a car insurance policy in Coimbatore

• Damage and loss caused due to accidents or collisions.


• Coverage against losses incurred when your car is stolen.


• Loss or damage caused due to an accidental fire.


• Damage and loss occurred due to natural calamities like floods, earthquakes, etc.


• A compensation of about Rs. 15 lakhs in case the accident leads to death or disability of the owner.


• Your insurer compensates for property damages and injuries caused by your car.

Exclusions of a car insurance policy in Coimbatore

• Damage/loss caused due to war or similar conditions.


• Damage occurred while driving under the influence of alcohol.


• Damage that arises when driving without a valid driver’s license.


• Damage occurred when the insurance policy was not active.


• Regular wear & tear.


• Regular servicing expense.

You can purchase car insurance online in Coimbatore through Coverfox by following these steps:

1. Visit the Coverfox website, then go to Insurance > Car Insurance tab


2. Write down your registration number of the vehicle or


3. Click on “Bought a new vehicle?”


4. Select Manufacturer, then Car Model


5. Choose your powertrain


6. Choose your variant


7. Click on “Get Quotes”


8. Compare prices and select appropriate Add-ons


9. Make an online payment through a secure gateway


10. Your policy will be emailed to you after verification.

In Coimbatore, you can file for a claim against the car insurance online by:

1. Inform the insurer about the incident involving the claim.


2. File an FIR at the nearest police station in Coimbatore if required (In case of major accidents or thefts).


3. Fill in the claims form from your insurer (Most insurers have it on their website) and submit the required documents.


4. Visit the nearest network garage in Coimbatore of your insurer, and get your car fixed there. Payment will be settled by the insurer directly.


5. If a network garage is not available, you can repair your car at a garage, pay the appropriate costs, and collect the receipt. The insurer will reimburse you for the amount as per the policy.

Documents Required for Filing a Car Insurance Claim in Coimbatore

These are the required documents to file a claim against car insurance in Coimbatore:

• Insurance policy document


• Vehicle Registration Certificate (RC)


• Driver’s licence


• First Information Report (FIR) – mandatory for theft or severe accidents


• Photos of the damaged vehicle or accident site


• Repair invoices and payment receipts (for reimbursement claims).

There are several cashless garages in Coimbatore authorized by various Car Insurance Companies. Some of them are mentioned below:

Following traffic rules in Coimbatore will lead to no fines and no legal trouble. More importantly, it will not hinder insurance claims:

• Follow all traffic rules and regulations on the road to avoid fines.


• Carry all necessary documents with you (Insurance, Licence, RC, PUC).


• Do not drive under the influence.


• Do not give the car to someone who is not legally allowed to drive.


• Do not carry expired car insurance; renew it at the earliest.


• Don’t rashly drive.

Follow these tips and tricks for choosing the best car insurance policy in Coimbatore:

• Compare insurers online through Coverfox for optimum pricing and coverage


• Check the coverage areas of the car insurance policy


• Evaluate the inclusions and exclusions of the insurance policy thoroughly


• Choose only the required add-ons


• Check the availability of NCBs for discounts


• Check the network garages of the insurer


• Ensure you buy car insurance through Coverfox for the best deals and excellent support.