Digit vs Acko Car Insurance — Which Gives Better Value?
- Acko is slightly cheaper and has marginally higher claim ratio (97%+ vs Digit 96%+)
- Digit has more cashless garages nationwide: 5,800+ vs Acko 5,000+
- Both are fully digital with no agent commission markup - buy online only
- Acko mobile app experience is consistently rated better in real user reviews
- For minor claims like bumper dents, Acko 24-hour settlement is hard to beat
Digit and Acko entered the Indian car insurance market promising to do things differently - no agents, transparent pricing, digital claims, and faster settlements. Both have broadly delivered. But choosing between them requires understanding where each genuinely excels.
Digit vs Acko - Head to Head
| Feature | Digit Car Insurance | Acko Car Insurance |
|---|---|---|
| Claim Settlement Ratio | 96%+ | 97%+ |
| Cashless Garages | 5,800+ | 5,000+ |
| Claim Processing Speed | 48 hrs | 24-48 hrs |
| Zero Dep Add-On | Available | Available |
| Pre-inspection at Renewal | Not required | Not required |
| Comprehensive (1200cc sedan) | Rs 8,500-9,000 | Rs 8,000-8,500 |
| Mobile App Experience | Good | Excellent |
Acko's 97%+ claim ratio beats Digit's 96%+ marginally. Acko is also slightly cheaper for most cars in metro cities. However, Digit's larger garage network (5,800+ vs 5,000+) is an advantage outside major metros where Acko's network thins out.
Slightly higher claim ratio (97%+), lower premiums on average, 24-hour claim settlement for minor damage, and the best-rated mobile app in Indian car insurance. Our choice for most urban car owners.
When Digit Wins
Choose Digit if you live in a Tier-2 city where their 5,800+ garage network provides better local coverage. Digit also handles commercial vehicle insurance better and has a slight edge on customer support response times based on recent 2025 user reviews.
Frequently Asked Questions
Which is better - Digit or Acko car insurance?
Acko edges ahead with higher claim ratio (97%+ vs 96%+), lower premiums for most cars, and a better mobile app. Digit wins on garage network size, which matters more in smaller cities.
Are Digit and Acko safe insurance companies?
Both are IRDAI-regulated. Digit is backed by Fairfax Holdings and is listed on Indian stock exchanges. Acko is backed by Amazon and major venture funds. Both are legitimate, financially sound insurers.
How do Digit and Acko handle claims?
Both are fully digital. Minor claims can be processed via the app in 24-48 hours. For major damage, an inspection is required. Both have 24/7 claim support.
Is Digit or Acko cheaper for car insurance?
Acko is typically Rs 300-800 cheaper per year for the same car in metro cities. Digit may be more competitive in some Tier-2 markets. Always get actual quotes for your specific car.