Car Insurance in Patna
Car Insurance in Patna
The capital and largest city of Bihar, Patna, is a major pilgrimage centre, trading hub and leading producer of agricultural and leather goods. Patna’s bustling highways and streets, coupled with severe traffic gridlock, increase the risk of accidents and other threats to motorists and their vehicles. While driving in the city, vehicle owners need car insurance in Patna to cover major damage and losses.
TATA AIG offers several types of car insurance plans, from third-party and own damage insurance to comprehensive and usage-based car insurance plans. Our plans offer benefits like personalised financial protection, a wide-reaching garage network and various discounts and bonuses. Explore our plans and find the right one for your car.
Patna Car Insurance: Quick Summary
Rising road accidents, fatalities, severe traffic congestion, vehicle theft and a mandatory legal requirement make car insurance necessary in Patna.
Choose from several types of car insurance plans, including third-party plans, own damage plans, comprehensive plans and usage-based insurance.
TATA AIG offers benefits like up to 50% No Claim Bonus, 8+ car insurance add-ons, quick online plans, 24/7 customer service and a ₹15 lakh personal accident cover.
Get access to cashless garages across India, including authorised service centres for top brands like Maruti, TATA Motors, Hyundai and Mahindra, in Patna.
Buy or renew your plan with a few clicks using our website or app. Filing a claim is just as easy, requiring an online application and a self-inspection for cashless or reimbursement claims.
Driving in Patna? Here’s What the Numbers Say in the City
According to a report from the Ministry of Road Transport and Highways, 11,610 road traffic accidents were reported in Bihar in 2024, up from 8,639 in 2020.
During the same period, the number of fatalities rose from 6,699 in 2020 to 9,347 in 2024, highlighting the lethality of accidents across the state.
According to a 2025 survey in Patna, the main reasons for traffic congestion and problems in the city include narrow road width, poor road conditions, inadequate drainage infrastructure and encroachment.
A survey of 1,021 respondents in Patna revealed that 57.69% classified drunk driving, substance addiction, high-speed driving, medication use, brake failure and reckless driving behaviour as primary reasons for road accidents.
A study of 200 fatal road accidents in Patna showed that 20% of fatalities were car occupants in rural areas and 30% in urban areas. Head injuries (40%) were the leading cause of fatalities, followed by multiple injuries (35%) and fractures (25%).
Why Should You Buy Car Insurance in Patna?
Surge in Road Accidents: Bihar has recorded more than 12,669 road accidents in 2025, including many in Patna. Four-wheeler insurance safeguards your ride in the city by covering essential repairs and part replacement at reputable garages.
Mandatory by Law: The Motor Vehicles Act makes third-party insurance compulsory for every vehicle driven on public roads. Driving without valid third-party car insurance can result in monetary fines from ₹2,000 to ₹4,000 if caught by Patna's traffic police.
Rising Traffic Incidents: The Vahan portal has recorded over 8.55 lakh vehicle registrations in Bihar in 2026. With high traffic congestion, incidents like rash driving and bumper-to-bumper collisions increase. A car insurance policy in Patna protects you financially from any traffic accidents.
Risk of Vehicle Theft: 9,876 vehicle theft cases have been registered in Patna from 2022 to 2025, highlighting the high chance of loss for car owners. With a car insurance plan, you can recover from such a loss as it provides funds for a replacement.
Compensation for Accidents: 50,941 fatalities have been reported from road accidents in Bihar over the last seven years, from 2019 to 2026. A car insurance policy provides financial security to your loved ones with a mandatory personal accident cover.
Key Features of TATA AIG Car Insurance in Patna
| Benefit | Description |
|---|---|
| Easy Cashless Repairs | Get access to cashless garages across India. Find authorised service centres and workshops for your car brand in Patna near your residence for cashless repairs. |
| Up to 50% No Claim Bonus | Get rewarded for car insurance renewal in Patna. No Claim Bonus varies between 20% and 50% based on the number of consecutive claim-free years. |
| Personalised Additional Protection | Our own-damage and comprehensive car insurance plans offer 8+ add-ons such as Engine Secure, Return to Invoice, Consumable Expenses, and Loss of Personal Belongings. |
| Quick Digital Policy | Buy online car insurance in Patna with a few clicks and no complex documentation. Get a quick quote by entering your car registration number and a few more details. |
| Dedicated Customer Service | Access customer support at any time or anywhere in Patna by calling our helpline 022-6489-8282. You can also contact us via our email (customersupport@tataaig.com) for product queries, feedback or claim settlement. |
| Attractive Discounts | Get discounts on online purchases. Our discounts are available for different situations, such as installation of anti-theft devices, disability modification, and vintage cars. |
| Effortless Policy Comparisons | Use our online comparison tool and premium calculators to compare car insurance plans. Do a detailed comparison of the costs and benefits before each purchase. |
| Personal Accident Cover | Our car insurance plans come with a mandatory personal accident cover of up to ₹15 lakhs for accidental death and disability of the owner-driver. |
What's Covered and What's Not Under TATA AIG Car Insurance in Patna
What's Covered
Repair costs resulting from road accidents or collisions
Replacement costs up to the Insured Declared Value (IDV)
Financial losses due to fire, lightning, self-ignition or explosions
Compensation up to the IDV amount for theft of the insured car
Loss or damage due to floods, earthquakes, typhoons, cyclones, landslides, rockslides and other natural events
Loss or damage due to riots, strikes, vandalism, terrorist acts and other malicious, manmade acts
Damages incurred while the insured vehicle is transported via rail, road, inland waterways or air
Fixed financial compensation in the event of the owner-driver's death or permanent disability
Legal and financial liabilities due to third-party injuries, property damage or death
What's Not Covered
Routine maintenance costs, standard depreciation, wear and tear and gradual ageing of the vehicle
Damage to tyres and tubes unless accompanied by damage to the insured car
Injuries or fatalities caused by intentional self-injury or attempted suicide
Any accident caused while the driver was under the influence of alcohol or drugs
Loss or damage outside the policy's geographical coverage, i.e., India
Any accidental loss or damage resulting from a consequential loss
Loss or damage caused by war, invasion, rebellion, hostilities or war-like operations
Disclaimer: The above inclusions and exclusions are subject to terms and conditions. Please read the policy documents for the full list.
Add-on Covers to Strengthen Your Car Insurance in Patna
At TATA AIG, we offer a wide range of add-ons or riders for own damage and comprehensive car insurance plans. Find the full list of our add-on covers on the car insurance add-on page. Given below are some of our most popular add-ons in Patna:
| No Claim Bonus Protection Cover | Saves your accumulated No Claim Bonus from being depleted by a single own damage claim. Total loss claims are excluded. |
| Depreciation Reimbursement | Covers the cost of depreciation deducted from the price of part replacements under an own damage claim. |
| Key Replacement | This add-on covers the cost of lost or stolen car keys and locks damaged due to break-in attempts. |
| Roadside Assistance | Provides 24/7 on-the-spot repairs, towing assistance, flat tyre replacement and other services at the required location. |
| Emergency Medical Expenses | Covers hospital expenses, ambulance charges and supporting items due to an accident involving the insured car. |
| Additional Towing Charges | Pays for towing charges over and above the expenses covered by the base policy. |
Why TATA AIG is a Popular Choice for Car Insurance in Patna?
| Trustworthy Insurance Partner | Strong Claim Reliability | Dedicated Claim Support |
| With more than 25+ years of experience in the insurance industry, TATA AIG has built a reputation for high-quality services and seamless claim management. You can trust us to be your perfect car insurance partner. | At TATA AIG, we have maintained a record of high Claim Settlement Ratio (CSR) over the past years. This showcases our commitment to fulfilling valid claims with timely support. | We have a dedicated team of claim specialists ready to help you. Contact our support helpline to get hands-on assistance with the claim process or documentation. |
| Extensive Customisation Options | Quick Digital Verification | Safe and Secure Portal |
| Customise your plan terms to get the best car insurance in Patna. Choose between different plan options, add-on covers, IDV amounts and plan tenures to get the right insurance for your car. | Our website and app provide a quick and seamless process for purchases, renewals and policy management. Simply enter your vehicle registration, and we will fetch the rest for verification. | We greatly value your safety and privacy. Both our portal and mobile app ensure the highest level of data protection and safeguard your financial transactions, delivering a secure digital experience. |
Factors That Affect Your Car Insurance Premium in Patna
Make and Model: Different brands, models and variants have different market prices and IDV. Luxury cars carry higher premiums due to higher cost of repairs and spare parts.
Age of the Car: The older your vehicle, the lower its IDV due to depreciation. Older cars typically carry lower premium costs, except for very old or vintage cars due to higher maintenance costs.
Location of Registration: The higher the traffic density and accident risks, the higher your insurance costs. Car insurance premium in Patna is higher than in smaller cities and towns but lower than in metro cities.
Engine Capacity: Third-party car insurance prices are set by the IRDAI as per the car’s engine capacity measured in cubic centimetres. The larger the engine capacity, the higher the price.
Type of Policy: Third-party plans have fixed and the lowest prices among different types of car insurance plans. Own damage and comprehensive plans have higher rates decided by the provider.
Selected Add-Ons: Each add-on increases your total premium by a certain amount. Include add-on covers carefully to avoid unnecessary costs.
How to Buy and Renew Your Car Insurance Online in Patna
Buy Car Insurance in Patna
Scroll up to the top of this page. Enter your car registration number in our premium quote tool and click on ‘Get Price’.
Enter the required details, including make, model and variant, purchase date and policy expiry date. Enter and confirm your contact number.
From the available options, choose the best car insurance plan for your needs in Patna. Then, select the IDV, tenure and add-ons (if any).
Our calculator will provide instant premium quotes. Pay the required amount to buy your chosen plan.
Renew Car Insurance in Patna
Scroll to the top of this page. Select ‘Car’ from the ‘Renewal’ menu options.
Enter either your car registration number or existing policy number and click on ‘Renew’.
Check the updated premium cost and No Claim Bonus. Modify the coverage details and include add-ons as per your needs.
Pay the final premium cost to renew your online car insurance in Patna.
How to File a Car Insurance Claim in Patna
Cashless Claim Process
Inform TATA AIG as soon as possible by calling 022-6489-8282. Then, file a claim through our dedicated claim portal or the TATA AIG mobile app.
After submitting your online claim, upload photos or videos of your damaged car to the self-inspection link sent to your phone.
A surveyor will visit you to complete the inspection process. Coordinate with the surveyor to get a damage report.
Take the vehicle to one of our network garages in Patna. Once the repairs are completed, inform TATA AIG to proceed.
We will settle your repair bills directly with the garage as per the terms and conditions of your chosen policy.
Reimbursement Claim Process
File a reimbursement claim through our claim portal, mobile app or your TATA AIG account.
Take your car to a non-network garage in case a network garage isn’t available. Pay for the repairs and collect all important documents.
Submit all required documents, including vehicle registration certificate, driving licence, repair bills, invoices and payment receipts.
We will assign a surveyor to process your claim and documents and inspect your car physically.
After approval, we will send you the approved reimbursement amount directly to your account.
Documents Required for TATA AIG Car Insurance in Patna
Documents Required for New Purchase
Vehicle registration certificate (RC)
Driving licence of the owner
PAN card for identity proof
Aadhaar card for KYC verification
Documents Required for Policy Renewal
Car RC
Driving licence of the owner
Identity and address proof
Previous insurer's name and policy number
No Claim Bonus details (or certificate if applicable)
Documents Required for Filing Claims
Copy of car insurance policy documents
Duly filled and signed claim form
Car RC and driving licence
Original repair bills and payment receipts
Self-inspection photos and videos
Identity and address proof
FIR/police report for major accidents, thefts and third-party claims
Any other additional documents, such as court notice, medical bills, medical certificate, NOC from lender, etc., as applicable.
Traffic Do's and Don'ts Every Car Owner in Patna Should Know
| Do’s for Car Owners in Patna | Don’ts for Car Owners in Patna |
| Obey all traffic rules and laws regarding speed limits, traffic signals, stop signs and instructions from traffic authorities. | Never drive under the influence of drugs, alcohol or other substances. No amount is safe while driving. |
| Put on your seatbelts while driving and check whether your passengers have their seatbelts secured. | Do not run a red traffic signal at an intersection, even when there is no traffic police or on empty roads. |
| Drive within the speed limit and adjust your vehicle speed to match road conditions and weather. Slow down while turning and in school zones. | Avoid switching lanes frequently or unnecessarily as it increases the chances of being hit by another vehicle. |
| Maintain a safe following distance where you can reliably stop without hitting the other vehicle when you apply the brakes. | Stay away from confrontation with aggressive drivers and avoid engaging in arguments and altercations. |
| Make sure you keep your vehicle in good condition by getting it serviced at regular intervals. | Stop driving if you are fatigued or drowsy. Get to a safe and legal parking spot and take a break till you have recovered. |
TATA AIG Cashless Garages in Patna
TATA AIG offers a wide-reaching network of cashless garages, including authorised service centres for every major car brand in Patna. Explore our most popular garages for top brands in the city below:
| Brand Name | Popular Garages in Patna |
| Maruti Suzuki |
Patna Wheels Point (Salempur Dumra, Shastri Nagar) Maruti Maintainers (Rajendra Nagar Overbridge) Sam Wheels Pvt Ltd (Malti Sinha Raja Bazar) Car Scanner (Kankarbagh Housing Colony) |
| TATA Motors |
MS Lalit Motors (Chirand Chapra Saran) Sinhajis Automobiles India Private Limited (Parsa Bazar, Punpun) Tulip Motors Private Limited (Kurji More, Patna) Auto Zone (Akashwani Road, Mauza-Khajpura Thana) |
| Hyundai |
Lalz Automobiles Pvt Ltd (Sipara Overbridge, Anisabad) Shivam Automobiles (Bhusaula Danapur, Phulwarisarif) Bhushan Automobile (Chiraura Naubatpur) ATI Motors (Dharhara Petrol Pump) |
| Mahindra |
Rukmani Automotive Services (NH-30, Phaijawa) Kiran Automobiles Pvt Ltd (Khajakalan Patna City) Patna Tyre Mall (Shiva Timber Road, Danapur) Jayansh Adarsh Motors Agency Pvt Ltd (Sahyogpuri Chitraguptnagar) |
| Toyota |
Heritage Landmarks Autoworld Pvt Ltd (Thana Phulwari Sharif, Chitkora) Budha Motors Private Limited (Patliputra Colony) Sai Mobility Services (Swadesh Tower, Rukanpura) Balkeshi Automobiles Pvt Ltd (Tulsi Mandi, Agamkuan) |
Check your nearest TATA AIG network garage in Patna from our cashless car network garage locator page.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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Frequently Asked Questions About Car Insurance in Patna
General
Which insurance is the best for a car in Patna?
The best type of car insurance policy in Patna depends on your driving and budgetary requirements. Third-party plans are the most basic and affordable options you can buy. A standalone own damage car insurance plan is recommended if you already have a third-party plan. For the most complete coverage, a comprehensive car insurance plan is the best choice.
Which is the cheapest car insurance plan in Patna?
Third-party plans are usually the cheapest as their rates are fixed by the Insurance Regulatory and Development Authority of India (IRDAI). For non-electric cars, the premium rates start at ₹2094/year, while for electric vehicles, the rates start at ₹1780/year. The premium rates of own damage and comprehensive plans depend on a wide range of factors, including insurance terms and vehicle-specific factors.
Which is better in Patna: comprehensive or zero depreciation insurance?
Both comprehensive and zero depreciation insurance have different functions. While comprehensive car insurance plans provide a wide range of financial protection, zero depreciation is an add-on that provides higher compensation on replaced parts due to depreciation. A comprehensive policy with the zero depreciation add-on is the best choice for most Patna residents.
What is the car insurance rate in Patna?
Other than for third-party car insurance plans, there is no official premium rate for car insurance plans in Patna. The premium cost for other plans depends on your car’s make, model, variant, age, condition, fuel type, engine capacity and Insured Declared Value. Other factors that influence car insurance premium include your chosen plan tenure, add-ons and applicable No Claim Bonus.
How are car insurance prices calculated
Insurance providers decide the premium prices for own damage and comprehensive plans, while third-party plans have fixed prices. The prices depend on a multitude of factors, including policy type, coverage, add-ons, vehicle-related factors, your driving history, etc. Instead of guessing the variables, you can get an estimate by using a car insurance premium calculator. Enter details like your car’s registration number and policy terms to get the costs.
How to find the best car insurance in Patna?
First, assess your driving habits, hazards and monetary needs to find out which type of policy you need. Then, compare your options using online comparison tools and shortlist plans offering the necessary benefits at the lowest possible price. Look for parameters such as the insurer’s Claim Settlement Ratio, cashless garage network and claim support quality to make your final decision.
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"Disclaimer: The content of this article is for general informational purposes only and is subject to change. It is based on information available at the time of writing.
Any insurance-related information given above cannot be interpreted as policy coverage. It should not be considered insurance, legal, regulatory, or other professional advice, or a substitute for the terms and conditions of your car insurance policy.
Car insurance coverage, benefits, exclusions, limits, eligibility criteria, and other applicable conditions are subject to the terms of the respective policy document. Please refer to the applicable policy document for complete details. Readers are advised to verify the latest information with the relevant authorities or official sources before making any decisions.
Any reference to car insurance or TATA AIG is for general awareness only and does not constitute an offer, recommendation, or advice to purchase an insurance policy from TATA AIG. TATA AIG does not guarantee coverage for any specific claim, loss, or situation based solely on the information provided in this article."
