A major commercial centre in the Indian state of Karnataka, Mangalore is also an Arabian seaport. The city is home to some of the very famous and unique shrines and forts. Mangalore exhibits a rich history and heritage. Besides, it also features a number of scenic beaches. This city can be a great place to spend some quality time with your friends and family.
Mangalore has seen a steady rise in car ownership due to its growing middle class, improved infrastructure, and proximity to Kerala and Goa. As of February 2025, Mangalore recorded 3,414 registered motor vehicles. This figure represents a decrease from 5,118 in January 2025 and a peak of 5,595 in October 2024 (CEIC). Within the Mangaluru police commissionerate limits, there were 485 reported accidents, including 79 fatalities within the first 6 months of 2023. This is a clear indication for the need of car insurance in the city and as per law, having a third-party car insurance is mandatory under Motor Vehicle Act 1988.
Follow these traffic rules in Mangalore to avoid complications with insurance:
There are 3 types of four-wheeler insurance available in Mangalore:
This type of car insurance is mandatory by law under Motor Vehicle Act 1988. It covers any liability that arises from an accident caused by the policyholder’s car. It covers third-party individual and property damage.
This type of policy covers both own-damage and third-party damages. It gives an all-round protection to the policyholder’s car. It can be optimised and enhanced using add-ons. New cars are recommended to have comprehensive car insurance for better security and financial stability.
This type of four-wheeler insurance policy only covers policyholder’s vehicle’s damages. Third-party damages are excluded in this policy and have to be bought separately. This is a cost-effective type of car insurance policy, where you can buy third-party insurance from one insurer and own-damage insurance from another.
Car insurance premium in Mangalore are determined by various factors like:
The age, model, type and price of the car influence the car insurance premium rates. The higher the cost of the car, higher the premium rates.
Certain areas in Mangalore will have higher premium rates than others, depending on traffic density, urban center or industrial zone, accident prone area, etc.
NCBs, direct discounts and bundling policies can lower the premium rate of car insurance in Mangalore.
The coverage scope of insurance determines the premium rate of the four-wheeler insurance policy. A third-party insurance will be the most basic type, costing the least, whereas a comprehensive insurance policy will have more coverage, but will cost more.
Add-ons like Consumable cover, Passenger cover, Zero-Depreciation cover, etc cost more, and add to the premium rate of the insurance policy. So choose add-ons wisely.
This table represents key benefits of car insurance in Mangalore:
| Benefit | Description |
|---|---|
| Mandatory under the Motor Vehicles Act to avoid fines and legal penalties. | |
| Covers expenses from accidents, theft, fire, or natural calamities. | |
| Protects you against legal and financial liability for injury or damage to others. | |
| Tie-ups with garages in Mangalore allow hassle-free, cashless claim settlements. | |
| Provides financial support in case of accidental injury or death. | |
| High congestion and accident risk in Mangalore makes insurance highly valuable. | |
| Offers riders like zero depreciation, engine protection, and roadside assistance. | |
| Easily available through digital platforms with instant policy issuance. | |
| Rewards safe driving with premium discounts on renewals. | |
| Covers damage from floods, heavy rain, and fallen trees—common in Mangalore. |
A third-party car insurance policy is mandatory by law under Motor Vehicle Act 1988 to drive on public roads of Mangalore.
A New Indian Express report notes that vehicle thefts in Karnataka, including Mangalore, are a concern, with 5,828 vehicles stolen in 2023 and 5,241 in 2024. Car insurance ensures you get compensated if your vehicle gets stolen.
Mangalore is prone to flooding. It receives heavy rainfall every year, such as those experienced on May 26, 2025, leading to significant waterlogging in areas like Car Street near Venkatramana Temple Road, causing disruptions for both vehicles and pedestrians. Floods and heavy rain have been causing waterlogging and potholes in the streets, posing a threat to cars. Having car insurance ensures repair costs don't cost you a fortune.
This is pretty much self explanatory. A four-wheeler insurance policy will help you save money by providing financial support during the time of need as per policy.
While driving on the roads of Mangalore, you do not have to worry about getting into trouble, at least financially if you have four-wheeler insurance. In case of an accident or mishap, the insurance company will make you whole.
There are several cashless garages in Mangalore authorized by various Car Insurance Companies. Some of them are mentioned below:
| Name | Address | City | State |
|---|---|---|---|
| Advaith Motors Pvt Ltd | Sy No 32/1B1-31/1C1, Nh 17, Derebail, Mangalore - 575006 | ||
| Nandi Motors | Near Kavoor Rice Mills, Kuntikan-Kavoor Road, Mangalore | ||
| West Cist Automotive | Near Canal, Havambhavi, Siruguppa Road, Bellary |
Buy car insurance online in Mangalore by following these steps:
Follow these steps to file a claim for car insurance in Mangalore:
Immediately inform the insurer about the incident
File an FIR at the nearest police station in Mangalore if required (In case of major accident or thefts)
Fill in the claims form from your insurer (Most insurers have it on their website) and submit the required documents
Visit the nearest network garage in Mangalore of your insurer, and get your car fixed there. Payment will be settled by the insurer directly
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 of the amount as per the policy.
Submit these documents to file a claim in Mangalore for car insurance:
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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, flood, earthquake, 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.
For choosing the best insurance policy in Mangalore follow these tips:
Follow these traffic rules in Mangalore to avoid complications with insurance:
Ans: It depends on various factors like car age, model, variant, price, location, type of insurance, add-ons, etc.
Ans: To get the best possible deal for car insurance in Mangalore, compare different insurers, check for add-ons, discounts, premium costs, claim-settlement ratios, support, etc and then choose the insurer that best suits your needs.
Ans: Yes, you can renew your car insurance in Mangalore through Coverfox in under 3 minutes!
Ans: Check for coverage scope of the insurance, inclusions, exclusions, add-ons, claim-settlement ratios, network garages, premium costs, etc before buying a car insurance policy in Mangalore.
