How to Buy Maruti Car Insurance in India: Benefits & Premium (2025 Guide)

If you own a Maruti Suzuki car, you already know why it’s one of India’s most trusted brands — reliable, affordable, and fuel-efficient. But even the best cars need protection on the road. That’s where Maruti car insurance comes in.

In 2025, having the right car insurance isn’t just a legal necessity — it’s a smart financial decision that ensures complete protection against accidents, theft, and natural calamities.

This guide will help you understand how to buy Maruti car insurance in India, its benefits, types, and average premiums, so you can make an informed choice.

Why Is Car Insurance Important for Maruti Car Owners?

Under the Motor Vehicles Act, 1988, every vehicle owner in India must have at least a third-party car insurance policy. Driving without it can lead to heavy penalties or even vehicle confiscation.

However, a comprehensive Maruti car insurance policy offers much more — it safeguards your car, finances, and peace of mind.

Key Reasons You Need Car Insurance for Your Maruti:

1.     Legal Requirement: Avoid fines and legal issues under Indian traffic laws.

2.     Financial Protection: Covers repair or replacement costs after accidents or damage.

3.     Personal Accident Cover: Offers coverage to the owner-driver for accidental injuries or death.

4.     Third-Party Liability: Covers damage caused to another person’s property or injury to others.

5.     Peace of Mind: You can drive confidently, knowing you’re financially protected.

Types of Maruti Car Insurance Policies in India

When buying insurance for your Maruti Suzuki, you can choose between two main types:

1. Third-Party Car Insurance

·       Mandatory under Indian law.

·       Covers damage or injury to a third party (person or property).

·       Does not cover your own car’s damage.

·       Ideal for older vehicles or those with limited usage.

2. Comprehensive Car Insurance

·       Offers complete protection — covers both third-party liabilities and your car’s own damages.

·       Includes natural disasters, fire, theft, vandalism, and accidents.

·       Can be customized with add-on covers for extra safety.

Top Add-On Covers for Maruti Car Insurance (2025)

To enhance your protection, you can choose from several add-on riders available in 2025:

1.     Zero Depreciation Cover – Get full claim without depreciation deductions.

2.     Engine Protect Cover – Covers engine damage from oil leaks or water ingression.

3.     Roadside Assistance – 24x7 help during breakdowns, flat tires, or towing.

4.     Consumables Cover – Covers small parts like engine oil, nuts, and bolts during repairs.

5.     Return to Invoice Cover – Get the full invoice value if your car is stolen or totaled.

6.     Key & Lock Replacement Cover – Covers lost or damaged car keys.

These add-ons are especially valuable for premium Maruti models like the Maruti Grand Vitara, Fronx, Baleno, or XL6.

How to Buy Maruti Car Insurance in India (2025)

Buying car insurance for your Maruti Suzuki has never been easier. You can now compare, customize, and purchase a policy entirely online. Here’s how:

Step 1: Visit a Trusted Insurance Platform

Go to a certified insurance portal or app like Square Insurance to compare quotes from multiple insurers.

Step 2: Enter Your Car Details

Provide basic details such as:

·       Car make and model (e.g., Maruti Alto, Swift, Baleno)

·       Year of manufacture

·       Registration number and RTO

·       Previous policy details (if any)

Step 3: Choose the Type of Policy

Select between Third-Party or Comprehensive insurance.

Step 4: Add Extra Covers (Optional)

Select add-ons like Zero Depreciation, Engine Protect, or Roadside Assistance based on your driving habits.

Step 5: Get Premium Quotes

Compare insurance plans from top insurers like ICICI Lombard, HDFC ERGO, Bajaj Allianz, Tata AIG, and others.

Step 6: Make Payment Online

Once you’ve selected your preferred plan, complete the payment online and get your policy instantly via email.

Pro Tip: Buying Maruti car insurance online often gives you discounts and faster claim processing compared to offline methods.

Average Premium for Maruti Car Insurance in 2025

Your car insurance premium depends on several factors like car model, IDV (Insured Declared Value), age, location, and add-ons chosen.

Here’s an estimated range of annual premiums for popular Maruti models in 2025:

Maruti Model	Type of Policy	Estimated Premium (₹/Year)
Maruti Alto 800	Third-Party Only	₹2,000 – ₹3,000
Maruti Swift	Comprehensive	₹6,000 – ₹8,500
Maruti Baleno	Comprehensive	₹7,500 – ₹9,000
Maruti Brezza	Comprehensive	₹9,000 – ₹12,000
Maruti Grand Vitara	Comprehensive	₹12,000 – ₹16,000
Maruti Celerio / WagonR	Third-Party + Add-ons	₹4,000 – ₹6,000

(Note: Prices may vary by location, insurer, and coverage type.)

Key Benefits of Buying Maruti Car Insurance Online

1.     Quick & Paperless Process – Instant quotes and digital policy issuance.

2.     Easy Renewals – Renew your Maruti car insurance in minutes, anytime.

3.     Compare Multiple Plans – Choose the best coverage at the lowest premium.

4.     Cashless Garage Network – Maruti Suzuki cars are supported by thousands of authorized service centers across India.

5.     24x7 Claim Assistance – Hassle-free claim settlement and customer support.

Factors That Affect Maruti Car Insurance Premium

Several elements influence your car insurance cost, including:

·       Car Model & Variant: Premium cars like Grand Vitara have higher insurance costs.

·       Age of Car: Older cars have lower IDV, hence lower premiums.

·       Location: Metro cities like Delhi or Mumbai attract higher premiums.

·       No Claim Bonus (NCB): Discounts for claim-free years (up to 50%).

·       Add-Ons Chosen: Each extra cover slightly increases your total premium.

How to File a Claim for Maruti Car Insurance

Filing a claim is simple if you follow the right steps:

1.     Inform your insurer immediately after an accident or damage.

2.     Submit required documents (RC, DL, FIR if applicable, photos, policy copy).

3.     Get inspection done by the surveyor appointed by the insurer.

4.     Repair at a cashless garage or pay upfront and get reimbursement.

5.     Claim approval is processed once documents are verified.

Tip: Always choose a cashless claim facility for quicker repairs at authorized Maruti service centers.

Why Choose Square Insurance for Your Maruti Car?

Square Insurance offers:

·       Wide range of Maruti Suzuki car insurance options

·       Quick digital policy purchase and renewals

·       Expert claim support

·       Competitive pricing with maximum add-on flexibility

Download now: Square Insurance App

Conclusion

Buying Maruti car insurance in India in 2025 is simple, smart, and essential for every car owner. Whether you drive an Alto, Swift, or Grand Vitara, the right insurance policy ensures protection against financial losses, accidents, and unexpected events.

Choose a comprehensive plan with essential add-ons to keep your Maruti safe and your mind stress-free. And with Square Insurance, you can compare top insurers and buy your policy online in just minutes.

Frequently Asked Questions

Q.1. Is Maruti car insurance mandatory in India? Yes, third-party insurance is mandatory under the Motor Vehicles Act, 1988 for all vehicles.

Q.2. What type of insurance is best for my Maruti? A comprehensive car insurance policy is best as it covers both third-party and own-damage risks.

Q.3. How can I reduce my Maruti car insurance premium? Maintain a good driving record, opt for voluntary deductibles, and renew on time to avail No Claim Bonus (NCB).

Q.4. Can I transfer my Maruti car insurance if I sell my car? Yes, the insurance policy can be transferred to the new owner after proper documentation.

Q.5. Where can I buy Maruti car insurance online? You can buy or renew your policy easily from the Square Insurance App for quick quotes and instant policy delivery.