Allstate vs MetroMile: Which provider is right for you?

Allstate vs MetroMile: Which provider is right for you?

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.

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AllstateAllstateMetromileMetroMile
AboutAllstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute.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 Allstate 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 states7
User satisfaction*AA+
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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


Driver discounts

AllstateAllstateMetromileMetroMile
Good studentUp to 20% (full-time student, under 25). No
Defensive driverUp to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims)No
Good driverUp to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years.No
Pay in full discountUp to 10%No
Multi carNoYes
MilitaryNoNo
HomeownerNoNo
Other discounts
  • Drivewise – Up to 20% cash back (based on everyday safe driving)
  • EZ pay plan discount – Up to 5% (automatic withdrawal)
  • Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online)
  • Auto/life discount – Varies
  • Multi policy discount – Up to 10%
  • Early signing discount – Up to 10% (sign 7 days before policy becomes effective)
  • Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months)
  • Senior discount – Up to 10% (55+, not seeking full-time employment)
  • Safe drivers discount – Up to 45%
  • TeenSMART discount – Up to 10%

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Vehicle discounts

AllstateAllstateMetromileMetroMile
Anti-theft deviceUp to 10%No
Anti-lock brake10%No
Passive restraintsUp to 30%No
Air bagYesNo
Other discounts
  • New car – Up to 30% (First owner, car under 2 years old)
  • Economy car – Up to 10%
  • Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior)
  • Farm vehicle – Up to 10%

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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.

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

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