Esurance vs. Metromile: Discounts, quotes, and comparison

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

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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	Go to site Read review	Go to site Read review

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.

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