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Own-damage car insurance pricing, RTO processes and road-tax rules differ by state, even though third-party premiums are IRDAI-fixed nationally. These state guides cover premium patterns, RTO codes, road tax at registration and state-specific claim realities for every Indian state and union territory.
Is car insurance cheaper in some states?
Third-party premium is identical in every state. Own-damage premium varies through the IRDAI zone system and each insurer's claims experience in that geography.
Do I need new insurance when moving states?
Your policy stays valid across India. Within 12 months of moving you must re-register the vehicle in the new state; update the policy address so zone pricing and communications stay correct.
Is road tax part of insurance?
No. Road tax is a state levy paid at registration; insurance is separate. Both are mandatory to drive legally.
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Renew Your Motor Policy in 2 Minutes* Zuno General Insurance Company Limited. IRDAI Registration No. 159. CIN: U66010MH2000PLC128425. Registered Office: 401 Minaxi Business Park, Andheri East, Mumbai 400093. Insurance is a subject matter of solicitation. Premium figures are indicative; TP rates per IRDAI notification FY2024-25. IRDA/NL-HLT/ZUGI/P-V/V.I/140/13-14.
