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Allstate vs Metromile: Which provider is right for you?
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Allstate vs Metromile
If you’re considering Allstate and Metromile for auto insurance, you might be wondering about how they’re different.
Metromile’s claim to fame is pay-as-you-go insurance. You’ll pay a flat monthly fee plus a certain amount for the number of miles you drive each month. Allstate offers a similar insurance plan. When you sign up for Allstate’s Milewise policy, you’ll pay a daily rate and a per-mile rate when you drive your car.
Which insurer is right for you? To find the answer, check out our head-to-head comparisons in the tables below.
- Rewards for safe drivers
- Basic to comprehensive
- Your own dedicated agent
Our top pick: Allstate
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
- Rewards for safe drivers, good students and more
- Get your own dedicated insurance agent
 Liberty Mutual |
 Metromile |
|
|---|---|---|
| About the provider | Formed in 1912, Liberty Mutual is committed to delivering insurance at a competitive rate. Taking pride in operating with immense integrity, the diversified global insurer makes an effort to go above and beyond for its members. | 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. |
| Price | Policy costs depend your personal situation. Visit Liberty Mutual 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 served | All 50 states | 7 |
| User satisfaction* | A+ | A+ |
| J.D. Power ratings** | 2/5 on overall claims satisfaction | N/A |
| 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
Liberty Mutual |
Metromile |
|
|---|---|---|
| Good student | Varies (under 25, B average or higher) | |
| Defensive driver | ||
| Good driver | ||
| Pay in full discount | ||
| Multicar | ||
| Military | ||
| Homeowner | ||
| Other discounts |
Preferred payment methods discount – Pay in full or automatic payments New to Liberty Mutual Vehicle discount Teen driver discount New graduate discount Newly married discount Newly moved discount Newly retired discount |
|
Vehicle discounts
Liberty Mutual |
Metromile |
|
|---|---|---|
| Anti-theft device | ||
| Anti-lock brake | ||
| Passive restraints | ||
| Air bag | ||
| Other discounts |
Hybrid vehicle discount Adaptive cruise control Lane departure warning Collision preparation systems |
|
Bottom line
If you’re looking for pay-per-mile insurance, either Allstate or Metromile could work. Contact each insurer to receive a quote based on your vehicle model, driving history, state of residence and other factors. Allstate may even have a slight edge, as it offers insurance for all 50 states. Meanwhile, Metromile only offers coverage for eight states.
For discounts, Allstate comes out on top. You’ll find savings for good grades, stellar driving histories, paying in full and more. If neither one’s right for you, compare car insurance options to find the best policy for you.
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