Acko vs Digit Car Insurance: Which Is Better in 2026?

If you've been searching Acko vs Digit car insurance — which is better, you're not alone. Both are digital-first insurers that have disrupted India's motor insurance market with app-based buying, low premiums, and faster claims. But they are not the same product, and choosing the wrong one can leave you short at the worst possible time.

This guide breaks down the two insurers on every metric that actually matters — claim settlement, garage reach, add-ons, pricing, and app experience — so you can make a confident call before you renew or buy your next car insurance policy in 2026.

Acko vs Digit Car Insurance: At a Glance (2026)

Before going deep, here's a quick side-by-side of the headline numbers you need to know.

Parameter	Acko	Digit
Claim Settlement Ratio (OD)	~99.1% (FY 2024–25)	~96.83% (FY 2024–25)
Cashless Garage Network	8,000+ garages	9,000+ garages
Third-Party Premium (up to 1,000 cc)	₹2,094 (IRDAI fixed)	₹2,094 (IRDAI fixed)
Comprehensive Premium (indicative)	From ~₹2,762/yr (hatchback)	From ~₹1,980/yr (hatchback)
Key Add-ons	Zero Dep, Engine Protection, RSA, Consumables, NCB Protect	Zero Dep, Return to Invoice, Engine & Gearbox, Tyre Protect, RSA, Consumables, Daily Conveyance
Inspection Method	App-based / digital	Smartphone self-inspection
Pickup & Drop for Repairs	Yes (major cities)	Yes (most cities)
Policy Type	100% digital / D2C	100% digital / D2C
Regulator	IRDAI	IRDAI

Third-party premiums are set by IRDAI and are identical across all insurers. Only own-damage (OD) premiums vary between Acko and Digit.

Claim Settlement: Who Pays Out More Reliably?

The claim settlement ratio (CSR) is the single most important number to check before buying insurance. It tells you what percentage of claims an insurer actually settled in a given year.

Acko's own-damage CSR stands at approximately 99.1% for FY 2024–25, which is among the highest of any general insurer in India. In practical terms, that means fewer than 1 in 100 claims gets rejected. Most claims are filed and tracked entirely through the Acko app, removing the paperwork friction that causes rejections at traditional insurers.

Digit's motor CSR is approximately 96.83% for the same period, and the company settled over 8 lakh motor claims in FY 2024–25. Digit's average repair approval time is also competitive. Both are well above the industry midpoint, so either insurer is a credible choice from a claim reliability standpoint — Acko just edges ahead on paper.

Verdict: Acko leads on CSR, but both insurers are in the reliable tier. The gap is not large enough to be the sole deciding factor.

Garage Network: Where Can You Get Cashless Repairs?

Cashless repairs mean the insurer pays the garage directly — you only cover any applicable deductible. The size and spread of the network matters most if you live outside a metro.

Digit operates a network of 9,000+ cashless garages across India as of 2025–26, making it one of the wider networks among digital insurers. It also offers doorstep pickup and drop in most cities, so you're rarely left stranded.

Acko has expanded aggressively and now lists 8,000+ cashless garages, but its real edge is its pickup-and-repair service model in major cities. Instead of you driving to a garage, Acko picks up the car, gets it repaired, and delivers it back. This is particularly useful in dense urban areas where finding a listed garage quickly can be a hassle.

Verdict: Digit wins on raw garage count and is the safer bet if you live in a Tier-2 or Tier-3 city. Acko's pickup model suits metro drivers who value convenience over network size.

Pricing and IDV: Who Costs Less?

For third-party cover, the premium is fixed by IRDAI regardless of which insurer you choose — it's ₹2,094 per year for cars up to 1,000 cc. Neither Acko nor Digit can undercut each other here.

The difference shows up in the own-damage (OD) component of a comprehensive policy. Digit's indicative premiums for a hatchback start from around ₹1,980 per year, while Acko's comprehensive plans for a similar car start from approximately ₹2,762 per year. For a mid-size sedan like the Honda City (1,500 cc, 3-year-old car), Acko's comprehensive premium can range between ₹12,500–₹16,000 per year before the No-Claim Bonus.

Both insurers let you adjust the Insured Declared Value (IDV) within the range IRDAI permits. Setting a lower IDV cuts your premium but reduces your payout if the car is totalled or stolen — so don't drop it just to save a few hundred rupees.

You can use OnePaisa's car loan calculator if you're simultaneously financing a new car, to factor your EMI alongside the insurance cost.

Verdict: Digit tends to price own-damage cover slightly lower. If budget is the top priority, Digit often wins on premium. But always run actual quotes for your specific car and city, since prices vary by model, age, and location.

Add-Ons: What Extra Cover Can You Buy?

Add-ons are optional riders that plug the gaps in a standard comprehensive policy. This is where the two insurers differ most in terms of flexibility.

Acko's add-on menu includes:

• Zero Depreciation Cover — ensures you receive the full repair cost without deduction for part depreciation
• Engine Protection Cover — covers engine and gearbox damage (e.g., hydrostatic lock during floods)
• Roadside Assistance (RSA) — 24×7 help for flat tyres, dead batteries, towing up to 50 km
• Consumables Cover — covers nuts, bolts, engine oil, and other parts excluded by default
• No-Claim Bonus Protection — preserves your NCB discount even after one claim

Digit's add-on menu includes all of the above, plus:

• Return to Invoice Cover — pays you the original purchase invoice price, not the depreciated IDV, in case of total loss or theft
• Tyre Protection Cover — covers tyre and tube damage not caused by an accident
• Daily Conveyance Benefit — pays a daily allowance while your car is being repaired
• RSA up to 500 km — extended roadside assistance range compared to Acko's 50 km towing limit

The Return to Invoice add-on from Digit is worth highlighting separately. If you're insuring a car that's less than three years old, this add-on can mean a payout that's ₹1–3 lakh higher than the IDV in a total-loss situation — a meaningful difference that Acko doesn't directly match.

Verdict: Digit's add-on catalogue is broader, especially for newer or more expensive cars. Acko's add-ons are well-designed but fewer in number.

App Experience and Digital Process: How Easy Is It to Buy and Claim?

Both insurers are 100% digital and regulated by IRDAI. The buying process — enter your registration number, the system fetches your car details from the VAHAN database, select add-ons, pay via UPI — takes under five minutes on either app.

Where they differ slightly is in the claims and inspection flow. Digit's smartphone self-inspection is particularly useful at renewal time if your policy has lapsed — you photograph the car yourself rather than waiting for a surveyor, which makes break-in renewals within the 120-day IRDAI grace window much faster. Acko handles inspections digitally too, but its primary differentiation is the doorstep pickup model — claim on the app, Acko picks up the car, delivers it repaired.

Customer support is 24×7 on both platforms. Neither insurer requires physical paperwork; policies download instantly and can be stored in DigiLocker.

Verdict: Roughly equal. Digit's self-inspection edge matters most at renewal. Acko's pickup-repair model is more convenient for in-city claims.

Acko vs Digit Car Insurance: Who Should Choose Which?

Here's a clear decision framework — because the "better" insurer depends entirely on your situation.

• Choose Acko if: you live in a metro city, want the highest possible claim settlement ratio, prefer the doorstep pickup model, and don't mind paying a marginally higher own-damage premium for that peace of mind.
• Choose Digit if: you want a slightly lower premium, your city isn't a major metro (Digit's garage network is wider in Tier-2 and Tier-3 cities), you want Return to Invoice or extended tyre cover for a newer car, or you tend to renew after the policy has lapsed (Digit's self-inspection makes this easier).
• If you're on a tight budget: both beat traditional insurers on price, but Digit's OD premiums are generally a touch lower.
• If your car is under 3 years old: Digit's Return to Invoice add-on gives you significantly better protection against total loss.

It's also worth comparing both against other motor insurance options before you commit. No single insurer is the cheapest or best-featured for every car model and city combination.

Frequently Asked Questions

Is Acko or Digit car insurance cheaper in 2026?

Third-party premiums are fixed by IRDAI at ₹2,094/year (up to 1,000 cc) for both insurers — so there's no difference there. For comprehensive own-damage cover, Digit tends to quote slightly lower premiums than Acko, but the actual difference varies by car model, city, IDV, and add-ons chosen. Always compare live quotes for your specific vehicle.

Which insurer has a better claim settlement ratio — Acko or Digit?

Acko's own-damage claim settlement ratio is approximately 99.1% for FY 2024–25, which is higher than Digit's approximately 96.83%. Both are well above average for the general insurance industry in India. Neither ratio guarantees acceptance of any individual claim — the insurer assesses each claim on its merits under IRDAI guidelines.

Does Digit offer Return to Invoice cover that Acko doesn't?

Yes. Digit's Return to Invoice add-on pays you the original invoice price of your car in the event of total loss or theft, rather than the lower depreciated IDV. Acko does not currently offer a direct equivalent of this add-on, which makes Digit the better choice for owners of newer, higher-value cars.

Which insurer has more cashless garages — Acko or Digit?

Digit has 9,000+ cashless garages across India, compared to Acko's 8,000+. Digit's wider network is particularly relevant in Tier-2 and Tier-3 cities. Acko compensates with a doorstep pickup-and-drop service in major metros, so the practical experience differs by location.

Can I switch from Acko to Digit (or vice versa) at renewal without losing my No-Claim Bonus?

Yes. Under IRDAI rules, your No-Claim Bonus (NCB) is portable — it stays with you, not the insurer. When you switch, provide your existing insurer's NCB certificate to the new insurer during renewal. Both Acko and Digit honour NCB from any IRDAI-registered insurer.

Conclusion: Make Your Decision, Then Compare Live Quotes

Both Acko and Digit are legitimate, IRDAI-regulated digital insurers with strong claim records and genuine digital-first service. Acko edges ahead on claim settlement ratio and the doorstep repair experience in metros; Digit wins on garage network breadth, add-on variety (especially Return to Invoice), and marginally lower own-damage premiums.

The smarter move is not to pick a brand blindly — it's to run live quotes on both for your specific car, set a realistic IDV, select the add-ons you actually need (zero depreciation and engine protection are the two most valuable for most buyers), and then compare the total annual cost.

OnePaisa's car insurance comparison tool lets you do exactly that — see real premiums from multiple IRDAI-registered insurers side by side, including Acko and Digit, in under two minutes. While you're planning your finances, you might also find our income tax calculator and credit score checker useful for a complete financial health picture.