Updated September 28, 2026 · AssureCue Editorial Team
Acko vs Lemonade
What sets them apart
| Compare |  Acko |  Lemonade |
|---|---|---|
| Premium from | ₹457 | $5 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Home, Renters, Life, Pet |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | Up to $100,000,000 |
| Claims channels | Online app and website, Cashless at network garages | App, Phone, Email |
| Age range | 18 years and above | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Lemonade scores higher overall: 9.2 vs 9.1.
- Founded is lower at Lemonade: 2015 vs 2016.
- Lemonade is available in 4 more countries.
- Insurance types: only Acko offers Motorcycle, Health, Travel.
- Insurance types: only Lemonade offers Home, Renters, Pet.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only Lemonade offers App, Phone, Email.
Our verdict on each
Acko
Acko suits Indian adults who want one regulated insurer for motor, health, life, travel and critical illness cover with monthly payments. It ranks 81 of 252 brands on starting premium, so the entry price is the trade-off to weigh against the breadth of cover.
Lemonade
Lemonade suits US households wanting several policies in the same app, with premiums starting at $5 a month. Its range is narrow: auto, home and renters covers personal lines only, so anyone needing health or travel cover goes to a broader provider.
Score breakdown
| Area | Acko | Lemonade |
|---|---|---|
| Cost | 9.2Monthly payments are available, and the two-wheeler entry point of INR 457 sits above the site median of €8.37. | 9.2Premiums start at $5 on monthly payments, below the site median of €8.37. |
| Offer | 9.3 | 9.4Higher |
| Trust | 8.9 | 8.9 |
What each covers
| Insurance types | Acko | Lemonade |
|---|---|---|
| Auto | Yes | Yes |
| Home | No | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | No | Yes |
| Motorcycle | Yes | No |
| Critical illness | Yes | No |
Licences and countries
| Country | Acko | Lemonade |
|---|---|---|
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for Lemonade: 5.
How they place
| Ranking | Acko | Lemonade |
|---|---|---|
| Car insurance | 17 of 393 | 14 of 393 |
| Life insurance | 13 of 261 | 10 of 261 |
Every fact side by side
| Fact | Acko | Lemonade |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | Lemonade Insurance Company |
| Headquarters | India | United States |
| Founded | 2016 | 2015Lower |
| Support channels | Chat, Phone, Email, Help centre | Phone, Email, Chat, Help centre |
Pros and cons
Acko
Pros
- Monthly payments are available, so premiums can be spread across the year rather than paid up front.
- It is an insurer rather than a broker, so cover sits with the company that sets the terms and pays the claim.
- Cover lines run to INR 25 lakh to INR 100 crore (term life) on term life, alongside motor, health and travel under auto, motorcycle and health.
Cons
- The two-wheeler starting premium of INR 457 ranks 81 of 252 brands, so cheaper entry points exist elsewhere.
- Term life cover is listed as INR 25 lakh to INR 100 crore (term life), which leaves smaller sums on offer alongside the top figure.
- Cover is limited to the lines under auto, motorcycle and health, with home and renters cover not listed.
Lemonade
Pros
- Premiums start at $5 a month, so the first policy is a small commitment
- auto, home and renters policies sit under the same insurer, keeping a household on a single account
- Monthly payments are available, and the pricing model is monthly
Cons
- Health, travel and motorcycle are not among auto, home and renters, so those lines need another provider
- Billing follows monthly alone, so annual cover is not among the payment options
- Life cover tops out at Up to $100,000,000, and the range sits in a single US market
Who each suits
Acko
Who it suits
- Indian adults at or above the entry age of 18 years and above who ride a two-wheeler and want monthly premiums
- People who want a single regulated insurer for motor and life cover rather than separate providers
- Older riders and drivers, since the audience named is seniors
Who should look elsewhere
- Anyone wanting home or renters cover, since auto, motorcycle and health does not list either, where Good Sam Insurance Agency is an alternative
- Readers who want a branch to visit, as contact runs on chat, phone and email
- Buyers set on the lowest entry premium, since INR 457 ranks 81 on this measure
Lemonade
Who it suits
- US renters and homeowners who want several policies in the same app
- Pet owners adding an animal policy to an existing monthly account
- People who want a low entry price rather than a long policy list
Who should look elsewhere
- Readers who want health, travel or motorcycle, since those are not among auto, home and renters while Good Sam Insurance Agency lists them in auto, home and renters
- Readers who want a local market rather than the US, where Euroasia Insurance quotes from UZS 60,000
- Readers who rank the entry price above everything else, since bunq is listed at €0 and Lemonade at $5
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
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | Acko | Lemonade |
|---|---|---|
| France | No | Yes |
| Germany | No | Yes |
| India | Yes | No |
| Netherlands | No | Yes |
| United Kingdom | No | Yes |
| United States | No | Yes |
Questions about each
Acko
What does Acko charge to start?+
The published figure is a two-wheeler premium starting at INR 457. That sits above the site median of €8.37, and Acko ranks 81 of 252 brands on this measure, so cheaper entry points exist elsewhere. Other lines are priced individually once a policy is set up.
Can I pay monthly instead of once a year?+
Yes. Monthly payments are available, and monthly lists monthly as the payment model. That spreads the premium across the year and keeps the cost alongside other monthly bills rather than in one payment, which suits households that budget month by month.
Lemonade
How much does Lemonade cost to start?+
Cover starts at $5, which sits below the site median of €8.37 and under the upper quartile of €29.72. Lemonade bills monthly, so the entry figure is what a first policy costs each month rather than an annual sum paid up front.
Which kinds of insurance does Lemonade sell?+
Lemonade lists auto, home and renters as its range, covering the household rather than business risks. Health, travel and motorcycle lines are not in that list, so anyone needing them has to look at a wider provider such as Good Sam Insurance Agency.
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