Updated September 28, 2026 · SumCue Editorial Team
Acko vs Nationwide
Acko
Higher score in this comparison
Nationwide
What sets them apart
| Compare | AckoReviewVisitVisit | NationwideReviewVisitVisit |
|---|---|---|
| Premium from | ₹457 | $35 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Home, Renters, Life, Motorcycle, Pet |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | Online app and website, Cashless at network garages | Phone |
| Age range | 18 years and above | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at Nationwide: 1925 vs 2016.
- Insurance types: only Acko offers Health, Travel, Critical illness.
- Insurance types: only Nationwide offers Home, Renters, Pet.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only Nationwide offers Phone.
- Support channels: only Acko offers Chat, Email.
Our verdict on each
Acko
Acko suits adults in India who want vehicle, health, life and travel cover from one digital insurer, with two-wheeler premiums from INR 457 and monthly payments available. As an insurer rather than a broker, it sets its own prices and settles its own claims.
Nationwide
Nationwide is a US insurer selling auto, home, renters, life, motorcycle and pet cover, with premiums from $35 payable monthly. It suits households that want every policy type under a single long-standing provider, and it prices above the site median, so shoppers on a tight budget get a thinner field here.
Score breakdown
| Area | Acko | Nationwide |
|---|---|---|
| Cost | 9.3HigherRanks 85 of 251 brands on premium from, against a €7.95 median across insurers. | 8.8Premiums start at $35 on monthly payments, above the site median €8.31, and the brand ranks 192 of 251 on premium from. |
| Offer | 9.2Higher | 8.6 |
| Trust | 8.9 | 9.6Higher |
Licences and countries
| Country | Acko | Nationwide |
|---|---|---|
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for Nationwide: 1.
Where they rank in our lists
| Ranking | Acko | Nationwide |
|---|---|---|
| Insurance | 27 of 627 | 33 of 627 |
| Life insurance | 9 of 238 | 12 of 238 |
| Car insurance | 11 of 279 | 14 of 279 |
Where these facts come from
Acko
- acko.com: 13 facts, checked September 26, 2026
Nationwide
- nationwide.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Acko | Nationwide |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | Nationwide Mutual Insurance Company |
| Headquarters | India | United States |
| Founded | 2016 | 1925Lower |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Help centre |
Pros and cons
Acko
Pros
- One insurer covers auto, motorcycle and health, so several policies sit with the same provider
- Monthly payments are available, and support runs on chat, phone and email
- Two-wheeler claims can be started online app and website and cashless at network garages
Cons
- Policies start at a minimum age of 18 years and above, so the audience is adults
- The premium shown at INR 457 is a starting point, and the final price depends on the vehicle and cover chosen
Nationwide
Pros
- Cover spans auto, home, renters, life, motorcycle and pet (auto, home and renters), so a household can keep its policies with a single provider.
- Premiums can be paid monthly (monthly) instead of in one payment, which helps month to month cash flow.
- Support runs on phone and help centre, giving a phone line and an online help centre as listed routes to the insurer.
Cons
- Premiums from $35 sit above the site median €8.31, and the brand holds position 192 on premium from out of 251 brands ranked.
- Claims run on phone alone and support is limited to phone and help centre, so written and chat routes are not offered.
- The headline premium is quoted in US dollars ($35) by a US insurer, which adds a currency step for UK and European buyers.
Who each suits
Acko
Who it suits
- Adults in India who ride a two-wheeler and want a low starting premium
- People bundling vehicle, health, life and travel cover with one insurer
- Seniors among the listed audience, with monthly payments to spread the cost
Who should look elsewhere
- Customers in the UK or Europe, where bunq and bunq Spain serve European markets rather than India
- Shoppers chasing the very lowest entry premium, since Acko ranks 85 of 251 brands on the site
- Anyone wanting life cover alone from a euro policy, since Linxea lists premiums from €25
Nationwide
Who it suits
- US households taking out several kinds of personal policy who want a single provider on the paperwork.
- Motorcycle owners after custom bike cover, where limits reach USD 50,000 per bike (custom motorcycle insurance).
- Pet owners who would rather add pet cover to an existing auto policy than shop it on its own.
Who should look elsewhere
- Linxea, at €25, sits closer to readers comparing euro savings products rather than US personal lines.
- bunq, with a premium from €0, suits readers who want euro everyday banking rather than policy cover.
Current offers
Acko
Current offer
Discount code
Save as much as INR 80,000 on top-selling cars: up to INR 80,000
New car purchase through ACKO digital showroom (ACKO Drive); savings shown against listed price, T&Cs apply
Source, checked September 26, 2026
Country by country
| Country | Acko | Nationwide |
|---|---|---|
| India | Yes | No |
| United States | No | Yes |
Questions about each
Acko
How much does cover cost?+
Two-wheeler premiums start at INR 457, below the €7.95 median across insurers on the site. The real price depends on the vehicle, the cover chosen and the sum insured, so treat the starting figure as an entry point rather than a quote for every policy.
Can I pay monthly instead of once a year?+
Yes, monthly payments are available on Acko policies, and 89% of the insurers on the site offer the same choice. Spreading the cost can make a larger plan easier to carry, such as term life cover, where the sum insured can run to INR 25 lakh to INR 100 crore (term life).
Nationwide
What can I insure with Nationwide?+
Nationwide lists auto, home, renters, life, motorcycle and pet (auto, home and renters), so most of a household's personal cover can sit with a single provider rather than a separate insurer for each line. Motorcycle cover is sold as its own line as well as a custom policy for individual bikes.
How much does Nationwide cost?+
Nationwide quotes premiums from $35 on its personal insurance lines. That figure sits above the site median of €8.31, and Nationwide sits at 192 on premium from among 251 brands ranked, so it is not the cheapest field here.
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