Acko Car Insurance vs Digit Car Insurance: Which Is Cheaper in 2025?

When it comes to determining who is offering you the right car insurance coverage, most Indian drivers are essentially considering Acko Car Insurance and Go Digit Car Insurance. They are two of the more ‘new-age’ or ‘digital-first’ insurers, which have led to speedy experiences coupled with no paperwork. However, in 2025, who is cheaper and who is going to give you a better value? Let’s take a look.

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🔑 1. Premiums & Pricing: Acko Car Insurance: Why it is Often Cheaper

• Acko has some of the lowest premiums in the marketplace, as its app-based, no-agent means of doing business has some valuable advantages in offering low premiums on the same insurance coverage. For example, if you get a third-party policy, dates earlier, it could start for as little as ₹2,094!

• Digit is relatively low in terms of premiums when compared to other insurers, however, tend to have slightly higher premiums than Acko for the same amount of coverage.

👉 Verdict: Acko tends to be the cheaper option, especially for basic policies.

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🔑2. Claim Settlement Ratio (CSR)

• Acko CSR (2025): ~82%

• Digit CSR (2025): ~74–75%

A higher claim settlement ratio (CSR), more favourably, means better prospects of having all of your claims settled.

👉 Verdict: Acko is slightly more reliable.

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🔑 3. Cashless Garage Network

• Acko: ~1,300+ garages

• Digit: ~5,800+ garages

Digit is equipped with a much larger cashless garage network which will facilitate vehicle repair more easily across India.

👉 Verdict: Digit wins in terms of a larger network.

4. Solvency Ratio

• Acko: 1.91

• Digit: 2.01

Both companies have solvency ratios above IRDAI’s prescribed minimum solvency ratio (1.5), but Digit has a slight advantage in terms of long-term financial strength.

👉 Verdict: Digit wins marginally.

5. Digital Experience & Ease of Use

• Acko has been frequently praised for the super-fast claim process: a claim can often be completed with photographs on their app in just minutes. For a limited number of cities, there is even the added service of a vehicle pick-up and drop-off.

• Digit also provides a fantastic digital experience, however it has not been commended for speed in the same way that Acko does.

👉 Verdict: Acko appears to be the most user-friendly option if you want a hassle-free claim.

Final Verdict: Acko vs Digit in 2025

• If you want low premium + a smooth digital process, Acko is the better value.     

• If you value wide garage access + a somewhat stronger financial position, Digit is the safer option.

Either way, you have 2 trustworthy and IRDAI approved insurers. The best option between the two has to do more with whether you want to be more economical (Acko) or want more convenience (Digit).
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✅ Pro Tip: Compare Before You Buy

You should always ask for a custom, quotes from both Acko and Digit based on your car model and city. You may have different premiums from each, depending upon your driving history, add-ons, location, and other factors.

👉  Proven Tips for Car Insurance Plan (Best Insurance Hacks: Proven Tips to Save Money on Health, Life, Car, Travel & Home Insurance in 2025)

❓ Frequently Asked Questions about Acko vs Digit Car Insurance 2025