Updated on - 04 Feb 2026
When buying a car, many drivers wonder whether to choose a 1.0-litre or a 1.2-litre engine. This choice affects how the car performs on daily drives, how much fuel it consumes and even the insurance premium you pay. Understanding these differences helps you pick a vehicle that matches your driving style, budget and long-term costs.
This guide explains how both engines compare in performance, mileage, maintenance, emissions and insurance impact.
What is difference between 1.0 Liter and 1.2 liter engine
The difference between these engines largely lies in the power they can produce and their fuel economy. A 1.2L engine displaces more fuel and air, delivering additional power and creating higher acceleration and peak speeds. For this reason, it is better suited for drivers who frequently drive on the highway or often transport heavy goods. On the other hand, 1.0-litre engines have higher fuel efficiency, making them perfect for city driving and commuting.
Performance comparison: 1.0L vs 1.2L engine
A 1.0L engine offers better fuel economy and is well suited for stop-and-go city driving, though it produces less power and torque. In comparison, a 1.2L engine delivers stronger acceleration, better pulling power and smoother highway performance.
While real-world mileage can vary based on driving conditions, the 1.0L engine is ideal for budget-conscious urban drivers, whereas the 1.2L engine performs better for highway trips and heavier loads.
Fuel efficiency: which engine saves more fuel?
A smaller 1.0L engine generally saves more fuel in city driving, especially in stop-and-go traffic where larger engines consume more. However, claimed mileage figures don’t always follow this trend.
For example, Maruti lists the Wagon R 1.2L at 22.5 km/l and the 1.0L at 21.5 km/l (CarDekho). In real-world use, the 1.0L engine tends to be more efficient for city commutes, while the 1.2L performs slightly better on highways.
Power output and torque differences
A 1.2L engine produces more power due to higher air–fuel intake and generally offers better torque, especially at lower RPMs. This gives it stronger pulling capability and smoother acceleration, making it suitable for highway driving or carrying heavier loads.
In contrast, a 1.0L engine delivers adequate power for daily commuting but focuses more on fuel efficiency than performance. Overall, the 1.2L engine provides quicker acceleration and a more responsive drive.
Ideal usage scenarios for 1.0L and 1.2L engines
A 1.0L engine is ideal for city driving, short commutes and buyers prioritising fuel efficiency and lower ownership costs. In contrast, a 1.2L engine suits highway driving, long-distance travel and situations that demand more power and torque, such as carrying passengers or heavier loads.
Impact on vehicle price
Cars with a 1.0L engine are usually more affordable, making them a good choice for budget-conscious buyers seeking fuel efficiency. In comparison, 1.2L engine variants are priced slightly higher due to their increased power, performance and added comfort features.
Maintenance and long-term reliability
A 1.0L engine is simpler and cheaper to maintain, making it cost-effective for city driving and short commutes. However, it can wear faster under heavy loads or frequent long-distance use. A 1.2L engine, while slightly more expensive to service, handles stress better and offers greater durability over time.
Buyers should consider how their driving habits and engine choice affect long-term maintenance and reliability costs.
Emission differences and environmental impact
A 1.0L engine typically emits less CO₂ and pollutants because of its lower fuel consumption, making it more eco-friendly for city driving. A 1.2L engine produces slightly higher emissions but offers better performance under load and on highways.
Both 1.0L and 1.2L BS6 engines meet current emission standards, though the smaller engine remains marginally cleaner in urban stop-start conditions.
Insurance cost comparison based on engine size
Engine size can be one of the factors that insurers consider while calculating car insurance premiums. Generally, smaller engines like 1.0L may attract slightly lower premiums, as they are linked with lower repair costs and moderate performance levels. However, this is not a fixed rule, and actual premiums can differ depending on the insurer, vehicle model, coverage type and location.
Larger engines such as 1.2L may sometimes be priced higher due to higher performance output or replacement costs, but the difference is often small and varies across insurers. It’s best to compare car insurance quotes online or check directly with your insurer for accurate pricing.
Note: This is an indicative explanation. Premiums, inclusions and exclusions vary by insurer. Please refer to the policy wordings for the complete list of terms and conditions.
Conclusion
Choosing between a 1.0L and 1.2L engine ultimately depends on your driving habits and lifestyle. If most of your trips are within the city and you prioritise lower fuel and maintenance costs, the 1.0L engine is a practical choice. Understanding these trade-offs also helps you estimate future expenses, including factors like third party car insurance premiums and overall ownership costs.
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FAQs
1. What is the main difference between 1.0L and 1.2L engines?
A 1.2L engine delivers higher power and torque, while a 1.0L engine focuses on better fuel efficiency and lower running costs.
2. Which engine is more fuel-efficient?
The 1.0L engine is generally more fuel-efficient for city driving, while the 1.2L engine performs slightly better on highways.
3. How does engine size affect insurance premiums?
Smaller engines like the 1.0L usually attract lower car insurance online and third-party premiums, while 1.2L engines may have slightly higher rates due to increased performance and repair costs.
4. Which engine is better for long-term reliability?
A 1.2L engine handles long drives and heavier loads more effectively, while a 1.0L engine offers reliable performance for light, everyday commuting.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.
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