Car insurance premium for Mumbai

Why does car insurance premium varies on my geographical location? It’s different for Mumbai and other states.

Hi,

Depending on the risk motorists face, India is divided into Zone A and Zone B. This is because cities in Zone A are more likely to affect the state of your car due to the condition of the roads. Zone A includes Mumbai, Bangalore, Delhi, Chennai, Kolkata, Ahmedabad and Pune. The rest of India falls under Zone B. However, the geographical location isn’t the only criteria since there isn’t a big enough difference between the two zones to affect premiums drastically.

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Cheers,
Team BB