AAA vs. Metromile: Which provider is better?

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.

	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
	Go to site | Read review

* 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
	Go to site | Read review

Vehicle discounts

	Metromile	AAA
Anti-theft device
Anti-lock brake
Passive restraints		N/A
Air bag
Other discounts		New vehicle discount
	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.