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Esurance vs. Metromile: Discounts, quotes, and comparison

Esurance vs. Metromile

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You’ve narrowed your potential insurers to Esurance and Metromile . But which one should you pick?

Esurance is a relatively new player in the insurance market, founded in 1999. Since its inception, it’s gained a lot of traction through its accessible online insurance. Today, it’s owned by Allstate.

Founded in 2011, Metromile is even younger than Esurance. Its claim to fame is pay-by-mile insurance. Essentially, you’ll pay a flat monthly rate as well as a per-mile rate. If you drive sparingly, you could pay very low premiums.

Check out the comparison tables below to find the right insurer for you.

Our top pick: Esurance

Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

  • See your online quote in minutes
  • Save with low base rates and discounts up to 40%
  • Easily qualify, even as a high-risk driver
  • Access convenient mobile claims filing
 

Esurance

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver 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 states except AK, DE, HI, MT, NH, VT, WY AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No 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
In-person
Online
Phone
Payment schedule
Payment schedule 12 months
monthly
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes 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 Yes No
Special employment discount
Special employment discount No No
Student discount
Student discount Yes No
Usage based discount
Usage based discount No Yes
Learn more
Learn more

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Bottom line

Esurance wins on coverage availability: It offers insurance for 43 US states. Meanwhile, Metromile covers only eight states.

Both insurers score stellar “A+” grades from the Better Business Bureau, indicating high customer satisfaction. Esurance, however, gets a three-out-of-five score in claims satisfaction from J.D. Power. Metromile doesn’t have a J.D. Power score, but many of its customers have reported a clunky claims process.

If you’re hunting for discounts, you’ll find far more with Esurance. The insurer offers promotions like good-student, defensive-driver and good-driver discounts. Metromile offers a discount only if you insure multiple vehicles.

If neither one’s right for you, compare car insurance options to find the best policy for you.

Compare alternatives to Esurance and Metromile

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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