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Esurance vs. Metromile: Discounts, quotes, and comparison
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.
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.
- Online quotes in minutes
- Competitive pricing
- Mobile claims filing
- Customized coverage
- 24/7 claims service
- Convenient mobile app
|
|
|
|---|---|
| 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 | No |
| No | No |
| Yes | No |
| No | Yes |
|
|
|
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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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