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. But, as the city of Mangalore is gaining popularity and the population is increasing side by side, the need for car insurance is more than ever – due to higher risk of accidents, thefts, and natural calamity damage.
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.
These stats will help you understand the severity of need of car insurance in Mangalore:
There are 3 types of four-wheeler insurance available in Mangalore:
This type of car insurance is mandatory by law under the Motor Vehicle Act 1988. It provides third-party car insurance coverage for any liability arising from an accident caused by the policyholder’s car in Mangalore. 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 car owners in Mangalore 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 in Mangalore, where you can buy third-party car insurance from one insurer and own damage car insurance from another.
There are multiple reasons of why having car insurance in Mangalore is a smart decision:
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. As per Numbeo, the crime index in Mangalore is 25.71, whereas the worry about cars getting stolen index is 21.53 in 2025. Car insurance ensures you get compensated if your vehicle is 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 in Mangalore 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 |
Here are the car insurance inclusions and exclusions in Mangalore:
As Mangalore is progressing and developing, buying car insurance has been made easy and now can be done online. Buy car insurance online in Mangalore by following these steps:
Selecting the right car insurance coverage in Mangalore is all about balancing protection with local needs. While a comprehensive car insurance policy in Mangalore covers accidents, theft, fire, and third-party liabilities, living in a coastal city like Mangalore means you should also consider risks from heavy monsoon rains, floods, and cyclones. Comprehensive car insurance with add-ons like Engine Protection Cover ensures financial security against these natural calamities, along with compensation for personal accidents. With rising vehicle theft cases and dense traffic in urban pockets, opting for add-ons like zero depreciation, roadside assistance, return to invoice cover in car insurance can further strengthen your cover and give you peace of mind on every drive.
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.
Ans: You do not require any documents for buying car insurance through Coverfox in Mangalore; however, keep your driving licence, RC,and ID/Address proof handy.
Ans: To renew car insurance in Mangalore, you would need RC, a driving licence and a previous car insurance policy document.
Ans: While making a claim in Mangalore, depending on the type of claim, you would need the claims form duly filled, FIR if required, car insurance policy document, and invoice of the repairs if opting for reimbursement claims. And any other required document from your insurer.
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