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.
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