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 |
 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 |
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 |
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.
If neither one’s right for you, compare car insurance options to find the best policy for you.
Find the cheapest rates
Compare the best car insurance companies near you.
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