AAA vs. Metromile
AAA and Metromile aren’t the first names that come to mind when considering car insurance, but fans know the scoop.
AAA is a well-established roadside assistance and travel discount company, but it also provides car insurance. Coverage through AAA requires a membership, which adds to the cost of your insurance. But with that membership come perks like travel planning, home lockout service, entertainment discounts and more.
Metromile is a new company that currently only provides insurance in 8 states. This innovative insurance provider’s claim to fame is its pay-per-mile coverage. If you don’t drive often, this feature could provide real savings.
Still can’t decide between the two? Check out our side-by-side comparison of Metromile and AAA. You’ll find the details you need to make your decision.
- Pay by miles driven
- Low base rates
- Drive less, pay less
Our top pick: Metromile
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
- Rates from $29/month plus pennies per mile
- Low-mileage drivers could save $611/year
- All miles over 250 a day are free
- Easy app and online claims plus 24/7 support
 Metromile |
 AAA |
|
|---|---|---|
| About the provider | Founded in San Francisco, Metromile is revolutionizing car insurance for drivers in metropolitan areas. Low-mileage drivers benefit from the pay-per-mile platform and their app, Pulse, offers a car health monitor and street sweeping alerts so you won’t get ticketed. | AAA is a non-profit that has been serving motorists for over 100 years. With nearly 55.6 million members, the elite federation of motor clubs is known for its roadside assistance, discounts and rewards, and hands on customer service. |
| Price | Policy costs depend your personal situation. Visit Metromile for a quote based on your specific needs. | Policy costs depend your personal situation. Visit AAA for a quote based on your specific needs. |
| States served | 8 | All 50 states |
| User satisfaction* | A+ | N/A |
| J.D. Power ratings** | N/A | 2/5 on overall claims satisfaction |
| Driver discounts | View driver discounts | View driver discounts |
| Vehicle discounts | View vehicle discounts | View vehicle discounts |
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
Driver discounts
Metromile |
AAA |
|
|---|---|---|
| Good student | ||
| Defensive driver | ||
| Good driver | ||
| Pay in full discount | ||
| Multicar | ||
| Military | ||
| Homeowner | ||
| Other discounts |
Low annual mileage Purchase in advanced |
|
Vehicle discounts
Metromile |
AAA |
|
|---|---|---|
| Anti-theft device | ||
| Anti-lock brake | ||
| Passive restraints | N/A | |
| Air bag | ||
| Other discounts | New vehicle discount |
|
Bottom line
If you’re looking for the added rewards that come with a AAA membership, then getting insurance with this company might be right for you. But if you live in one of the 8 states Metromile services and you don’t do much driving, this provider might offer you the best price in the end.