
Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
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.
|
|
---|---|
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. |
All states except AK, DE, HI, MT, NH, VT, WY | AZ, CA, IL, NJ, OR, PA, VA, WA |
Included free | Optional |
Yes | Yes |
No | No |
Yes | No (they used to offer the service but they are no longer accepting new applications) |
Yes |
Yes |
Online Phone In-person |
Online Phone |
12 months monthly |
monthly |
Yes | Yes |
Yes | Yes |
Yes | No |
Yes | No |
Yes | Yes |
Yes | Yes |
Yes | Yes |
Yes | Yes |
No | No |
Yes | No |
No | Yes |
|
|
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.
The best companies blend wide auto and renters coverage, free perks and strong value.
Compare the 5 best digital-focused car insurance companies.
Branch auto insurance takes a community-focused approach with friend referral discounts.
Are wide customizations and great discounts worth the average customer service?
Auto-Owners stands out for its coverage, discounts and support ratings.
Max out your AARP benefits with discounted home protection from The Hartford.
These insurers share similar rates and riders — but one has more permanent policy options.
Both are industry giants — but they offer slightly different policies and riders.
Both insurers have competitively priced policies, but one’s more customizable than the other.
Find out these two budget-friendly insurers stack up.