Mumbai, June 25, 2026: Zuno General Insurance, a new-age digital insurer, has released the India Road Safety Report (IRSR) 2026, which found that 9 PM to 10 PM is the riskiest driving hour in India, with an average driving score of 86, compared to 93 between 1 PM and 2 PM, the safest hour of the day. Based on analysis of more than 4.5 million trips, 55 million kilometres of driving behaviour and data from over 27 thousand active users of the Zuno SmartDrive app across 17 states, the report found that driving patterns offer a better understanding of road risk than demographic characteristics. The findings reinforce the need for behaviour-led interventions to improve road safety outcomes across India.
Key Findings from the India Road Safety Report 2026:
- Women recorded an average driving score of 92.86, while men recorded 92.43, indicating negligible variation in overall driving behaviour.
- Driving scores remain stable through most of the day before declining sharply after 8 PM.
- The riskiest driving hour is 9 PM–10 PM (score: 86), while 1 PM–2 PM (score: 93) is the safest.
- Sudden braking (87) and harsh acceleration (91) emerged as the weakest behavioural parameters among Indian motorists.
- Seasonal conditions had a limited impact on driving behaviour, with average scores remaining largely consistent across summer, monsoon and winter.
According to the report, behavioural factors account for more than 80% of road accidents in India, underlining the importance of addressing speeding, distraction and unsafe manoeuvres through a combination of awareness, enforcement and technology-led interventions.
Commenting on the report, Shanai Ghosh, MD and CEO, Zuno General Insurance, said, “ Road safety remains one of India’s most important public challenges, impacting lives, livelihoods and economic productivity. Through Zuno SmartDrive, we have had a front-row view of driving behaviour across millions of journeys, and one insight stands out clearly: road accidents are often driven by identifiable and measurable behavioural patterns. The India Road Safety Report 2026 highlights how data, driving patterns and technology can complement infrastructure, enforcement and vehicle safety measures to build safer roads. As India works towards its road safety goals, creating greater awareness of driving behaviour and encouraging safer habits can play an important role in reducing fatalities and improving outcomes.”
India records around 1.73 lakh road fatalities annually, accounting for nearly 11% of global road deaths, while road accidents impose an economic burden estimated at 3–5% of GDP. Nearly two-thirds of fatalities occur among people aged 18–45 years. Two-wheeler riders account for 44% of all road deaths, while pedestrians account for nearly 19% of fatalities, highlighting the disproportionate impact on vulnerable road users.
As India works towards its commitment under the Stockholm Declaration to reduce road fatalities by 50% by 2030, the report highlights the need for coordinated action across infrastructure, enforcement and behavioural interventions.
About Zuno General Insurance:
Zuno General Insurance, formerly known as Edelweiss General Insurance, is a new-age digital insurer with an aspiration to reimagine Insurance to make it easy, friendly, and transparent. Amidst all the jargon and seriousness, Zuno is the friendly voice speaking in a language you understand, and listening to what you have to say, stepping in at the right time, so that you don’t have to worry when things don’t go as planned. Zuno is the friend you can always turn to for help, with the confidence that we will always have your back.
At Zuno GI, the focus is on building trust through digital solutions that are intuitive and responsive, using consumer insights and data analytics to drive innovation and experience. Our consumer insight driven strategy focused on customers’ experience; innovative solutions and an intuitive digital platform differentiate us in a competitive market.
Zuno GI started operations in 2018. We have over 9 million customers and a growing omnichannel distribution on digital rails. The company has presence across key digital marketing places and partnerships with Maruti, Tata Motors, Mahindra, Skoda, MG, Volkswagen, Jeep, Royal Enfield, PolicyBazaar, Turtlemint, PhonePe, Paytm, Insurance Dekho, Fedbank Financial Services, Dvara KGFS, Repco Home Finance, MAS financial Services, Renewbuy, Anand Rathi Global Finance, Avanse Financial Services, Spinny, Nido Home Finance, ECL finance, Gujarat Ambija Co-op Bank, Sarvodaya Nagarik Sahakari bank, Mehsana Urban Co-Operative Bank, Jio insurance brokers, Coverfox, Maibro, ORIX leasing & financial Services India Ltd, SMAS auto leasing India Pvt Ltd.s
