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.
|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|
|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
|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|
|Other discounts||New vehicle discount|
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.