Esurance vs. Metromile: Discounts, quotes, and comparison

Esurance vs. Metromile: Discounts, quotes, and comparison

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Esurance vs. Metromile

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.

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Metromile

Metromile

Esurance

Esurance

About the provider 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. Esurance, the online insurance company, is making its name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience, and customers respect its low rates and excellent customer service.
Price Policy costs depend your personal situation. Visit Metromile for a quote based on your specific needs. Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs.
States served 8 43 states
User satisfaction* A+ A+
J.D. Power ratings** N/A 3/5 on overall claims satisfaction
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


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Driver discounts

Metromile

Metromile

Esurance

Esurance

Good student Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driver Up to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driver 30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discount
Multicar
Military
Homeowner
Other discounts

Vehicle discounts

Metromile

Metromile

Esurance

Esurance

Anti-theft device 5-25%
Anti-lock brake 5%
Passive restraints 2-33%
Air bag
Other discounts

New vehicle discount

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.

Find the cheapest rates

Compare the best car insurance companies near you.

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