Car insurance is a vital safeguard for financial security against accidents, theft, or natural disasters. With numerous insurance companies in India offering car insurance, choosing the right one can significantly affect your claim experience. One of the key metrics to evaluate is the claim settlement ratio (CSR), which reflects the efficiency of an insurer in processing claims. Here are the top car insurance companies in India for 2025 that excel in CSR and offer extensive benefits 1. SBI car insurance Claim settlement ratio: 100% Network garages: 16,000+ SBI car insurance leads the market with a flawless CSR, providing policyholders with prompt and reliable claim settlements. The company also has a vast network of cashless garages for added convenience. 2. Royal Sundaram car insurance Claim settlement ratio: 98.60% Network garages: 3,300+ Royal Sundaram offers a strong balance of affordability and efficiency. Its high CSR and comprehensive coverage options make it a prefe...