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Allstate vs Metromile: Which provider is right for you?

Allstate vs Metromile

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Julia Cameron
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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.

Allstate

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Metromile

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OVERVIEW

 OVERVIEW
About the provider
About the brand Your dedicated agent can help you find the best savings with multiple discounts and rewards programs. 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 All 50 states
 AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes 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
Phone
 Online
Phone
Payment schedule
Payment schedule Monthly
 monthly

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Up to 10% Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount No No
Multi car discount
Multi car discount Yes 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 Up to 10% Yes
Special employment discount
Special employment discount Yes No
Student discount
Student discount Up to 20%, under 25 No
Usage based discount
Usage based discount Yes - up to 20% cash back Yes
Learn more
Learn more
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Read review
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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.

Compare alternatives to Allstate and Metromile

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
Progressive
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
Pretected
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
Get quotes
More Info
The AARP Auto Insurance Program from the Hartford
The AARP Auto Insurance Program from the Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Get quotes
More Info
Root
Root
No
Yes
Telematics only
Yes
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Get quotes
More Info
Assurance
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Get quotes
More Info
Travelers
Travelers
Yes
Yes, up to 5%
IntelliDrive
All states except AK, HI, KS, MI, ND, SD, WV, WY
Use the handy online quote tool to build your perfect policy or call an agent for a personal touch.
Get quotes
More Info
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