Esurance vs. Metromile: Discounts, quotes, and comparison | finder.com

Esurance vs. Metromile: Discounts, quotes, and comparison

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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.

  • CoverageMyWay® customized coverage
  • 24/7 claims service
  • Convenient mobile app

Our top pick: Esurance

Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

  • First-rate site with quotes in minutes
  • Competitive pricing
  • A+ BBB rating
Promoted
Metromile

Metromile

Esurance

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

Metromile

Esurance

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

Metromile

Esurance

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.

Compare alternatives to Esurance and Metromile

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
Yes, 3 years accident free
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Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, 5 years accident free or bought
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Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

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