AAA vs. MetroMile: Which provider is better?

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 below. You’ll find the details you need to make your decision.

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AAAAAAMetromileMetroMile
AboutAAA 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.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.
PricePolicy costs depend your personal situation. Visit AAA for a quote based on your specific needs.Policy costs depend your personal situation. Visit MetroMile for a quote based on your specific needs.
States servedAll 50 states8
User satisfaction*N/AA+
J.D. Power ratings**2/5 on overall claims satisfactionN/A
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

AAAAAAMetromileMetroMile
Good studentYesNo
Defensive driverYesNo
Good driverNoNo
Pay in full discountYesNo
Multi carYesYes
MilitaryNoNo
HomeownerYesNo
Other discounts
  • Low annual mileage
  • Purchase in advanced

Vehicle discounts

AAAAAAMetromileMetroMile
Anti-theft deviceYesNo
Anti-lock brakeNoNo
Passive restraintsN/ANo
Air bagYesNo
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.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

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