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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.
Our top pick: Metromile
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
- 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
- Pay by miles driven
- Low base rates
- Drive less, pay less
|
|
|
|---|---|
| Member benefits extend beyond car insurance to offer discounts, bike coverage and more. | Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates. |
| All 50 states | AZ, CA, IL, NJ, OR, PA, VA, WA |
| Included free | Optional |
| Yes | Yes |
| Yes | No |
| No | No (they used to offer the service but they are no longer accepting new applications) |
| Yes |
Yes |
| online phone |
Online Phone |
| 12 months 6 months monthly |
monthly |
| Yes | Yes |
| Yes | Yes |
| Yes, up to 37% | No |
| No | No |
| Yes, up 27% | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes, up to 20% | No |
| No | No |
| Yes, up to 14% | No |
| No | Yes |
|
|
|
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.
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