AAA vs. Metromile: Which provider is better?

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.

	Go to site Read review	Go to site Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.	Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
States served
States served	AK, AZ, CA, MT, NV, UT and WY	AZ, CA, IL, NJ, OR, PA, VA, WA
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Included free	Optional
New car protection
New car protection	Yes	Yes
Accident forgiveness
Accident forgiveness	Yes	No
Rideshare coverage
Rideshare coverage	No	No (they used to offer the service but they are no longer accepting new applications)
SR-22 insurance
SR-22 insurance	Yes	Yes
Claims methods
Claims methods	online email phone	Online Phone
Payment schedule
Payment schedule	12 months 6 months monthly	monthly
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes	Yes
Bundling discount
Bundling discount	Yes	Yes
Home owner discount
Home owner discount	Yes, up to 37%	No
Military discount
Military discount	No	No
Multi car discount
Multi car discount	Yes, up 27%	Yes
Paid in full discount
Paid in full discount	Yes	Yes
Safety device discount
Safety device discount	Yes	Yes
Safe driver discount
Safe driver discount	Yes, up to 20%	Yes
Special employment discount
Special employment discount	No	No
Student discount
Student discount	Yes, up to 14%	No
Usage based discount
Usage based discount	No	Yes
Learn more
Learn more	Go to site Read review	Go to site Read review

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.

Compare alternatives to AAA and Metromile