With the rapid growth of the automobile sector in India, the demand for motor insurance has increased significantly. Every vehicle on Indian roads—whether a car, bike, truck, or commercial vehicle—must have a valid motor insurance policy. This creates a massive opportunity for individuals who want a stable and rewarding career in the insurance industry. If you’re wondering how to become a motor insurance agent in India, this detailed guide covers everything you need to know.

Becoming a motor insurance agent is a smart career choice for students, homemakers, retirees, working professionals, and anyone looking to start a flexible, high-income profession. You can earn attractive commissions, work at your convenience, and build long-term customer relationships in a growing market with huge potential.

In this blog, you’ll learn the eligibility criteria, step-by-step process, required documents, income potential, benefits, and expert tips to succeed as a motor insurance agent in 2025.

Who is a Motor Insurance Agent?

A motor insurance agent is a certified individual authorized to sell motor insurance policies, including:

• Third-party insurance
• Comprehensive insurance
• Own-damage cover
• Add-on covers like zero depreciation, engine protection, roadside assistance, etc.

The agent guides customers in choosing the right policy, ensures smooth documentation, collects premiums, and provides support during claims.

Eligibility Criteria to Become a Motor Insurance Agent in India

The requirements are simple and beginner-friendly:

1. Age Requirement

You must be 18 years or older.

2. Educational Qualification

You must have completed Class 10 (10th pass) from a recognized board.

3. Skills That Help

Although not mandatory, these skills make you more successful:

• Good communication skills
• Interest in automobiles
• Basic understanding of insurance
• Sales and negotiation skills
• Relationship-building ability

Documents Required for Registration

Keep the following documents ready for issuing your IRDAI license:

• Aadhaar Card
• PAN Card
• Voter ID or valid address proof
• Passport-size photographs
• 10th/12th marksheet
• Bank account details
• Signature copy

These documents are essential for identity verification and license activation.

How to Become a Motor Insurance Agent in India – Step-by-Step Process

Here is the complete process to start your career as a certified motor insurance agent in 2025:

Step 1: Choose an Insurance Company or Brokerage

You can become a motor insurance agent for:

• Leading private insurers: ICICI Lombard, HDFC ERGO, Bajaj Allianz, Tata AIG, Reliance General, etc.
• Government insurers: New India Assurance, Oriental Insurance, etc.
• Insurance brokers and POSP platforms (easy onboarding + better commissions).

Choose a brand that provides training, support, and digital tools for easy policy selling.

Step 2: Register as an Agent or POSP

Fill out the registration form available with your chosen insurer or POSP platform. This includes basic details, ID proof, and mobile number verification.

Step 3: Complete IRDAI Mandatory Training

As per IRDAI rules, you must undergo 15 hours of training before becoming a motor insurance agent.

Training covers:

• Basics of general insurance
• Motor insurance types
• Add-on covers
• Policy servicing
• Claims process
• IRDAI regulations
• Customer handling ethics

This training can be done online or offline.

Step 4: Appear for the IRDAI Exam

Once training is completed, you must pass the IRDAI IC38 exam.

Exam details:

• Mode: Online
• Format: Multiple Choice Questions
• Passing Score: 17/50
• Difficulty: Easy to moderate

Passing the exam qualifies you to receive an official agent license.

Step 5: Get Your Agent License & Start Selling

After passing the exam, the company or POSP platform issues:

• Agent License/Code
• Authorization Certificate

Once activated, you can start selling motor insurance policies instantly and earn commissions on every policy.

Salary & Commission: How Much Can a Motor Insurance Agent Earn? (2025)

Motor insurance is one of the fastest-selling insurance categories in India. Earnings depend on sales performance, but the potential is very high.

Commission Structure (Approx.)

Average Monthly Earnings

• Part-time agents: ₹15,000 – ₹35,000/month
• Full-time agents: ₹40,000 – ₹1,00,000+/month

Top Earners

Experienced agents who work with high-volume customers (like car dealers, garage owners, taxi operators, corporate clients) often earn:

·       ₹1.5 lakh to ₹3 lakh+ per month through new sales and renewals.

Renewals provide a stable, recurring monthly income, making this profession extremely rewarding.

Benefits of Becoming a Motor Insurance Agent in 2025

1. High and Recurring Income

You earn commissions on new policies and renewal premiums every year.

2. Zero Investment

There is no need for an office, setup cost, or infrastructure.

3. Work Anytime, Anywhere

Flexible working hours allow you to work part-time or full-time.

4. High Market Demand

Millions of vehicles require annual insurance renewal — consistent business throughout the year.

5. Easy Entry with Minimal Qualifications

Only 10th pass and basic documents are enough to start.

6. Digital Selling Tools

Insurers provide apps and online platforms to issue policies within minutes.

7. Opportunity for Growth

With experience, you can become:

• Senior agent
• Team leader
• Insurance advisor
• Corporate agent
• POSP trainer

Tips to Become a Successful Motor Insurance Agent

1. Understand All Motor Insurance Products

Knowing policy coverage, add-ons, and exclusions increases your credibility.

2. Build Strong Networks

Connect with:

• Car and bike showrooms
• Auto garages
• Vehicle finance companies
• Taxi drivers
• Fleet owners

These networks provide regular business.

3. Stay Updated with IRDAI Guidelines

Regulations change frequently; staying updated helps you offer accurate advice.

4. Provide Honest and Transparent Guidance

Don’t oversell. Suggest what the customer actually needs.

5. Focus on Excellent Customer Service

Renewal reminders and claim support help build long-term loyalty.

Conclusion

Becoming a motor insurance agent in India is one of the most promising career paths in 2025. With growing vehicle ownership and mandatory insurance regulations, the demand for motor insurance continues to rise. The process is simple—complete the training, clear the IRDAI exam, get your license, and start selling.

Whether you want to earn a stable side income or build a full-time career, becoming a motor insurance agent offers flexibility, growth, high commissions, and long-term financial stability. With consistent effort, strong customer service, and proper product knowledge, you can build a highly rewarding career in the insurance industry.

Frequently Asked Questions

Q.1. What is the minimum qualification required to become a motor insurance agent?

You must have completed Class 10 (10th pass) from a recognized board. No higher education or prior experience is required.

Q.2. What is the minimum age to apply as a motor insurance agent?

You must be 18 years or older at the time of registration.

Q.3. Is there any exam required to become a motor insurance agent?

Yes. After the mandatory 15-hour training, you must pass the IRDAI IC38 exam, which tests your basic insurance knowledge.

Q.4. How long does it take to become a motor insurance agent?

The complete process, including training, documentation, and licensing, usually takes 7 to 15 days, depending on exam availability.

Q.5. How much does it cost to get a motor insurance agent license?

The registration and training fee generally ranges between ₹500 to ₹1,000, depending on the insurer or POSP platform.