Geico vs Metromile: Which provider is right for you?

Geico vs. Metromile: Which provider is right for you?

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Geico vs. Metromile

Look closely at Geico and Metromile, and you’ll spot two very different companies.

Many drivers know Geico as the insurance company with the hilarious TV commercials. But behind the clever advertising is a legitimate heavy hitter: Geico is the second-largest auto insurer in the United States. Meanwhile, Metromile is the scrappy upstart that’s just warming up.

With Geico, you’ll find what you might consider to be “normal” insurance. Essentially, you’ll pay a flat rate each month to cover your vehicle. Metromile takes a different tack, offering pay-as-you-go insurance. You’ll pay a flat monthly fee plus a specific fee based on the number of miles you drive each month.

Find the cheapest rates

Compare the best car insurance companies near you.

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Geico

Geico

Metromile

Metromile

About the provider Geico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind. 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.
Price Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs. Policy costs depend your personal situation. Visit Metromile for a quote based on your specific needs.
States served All 50 states 7
User satisfaction* N/A A+
J.D. Power ratings** 3/5 on overall claims satisfaction N/A
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


Driver discounts

Geico

Geico

Metromile

Metromile

Good student 15% (full-time student, between 16-24 and B average or better)
Defensive driver
Good driver Up to 26% (5 years accident-free)
Pay in full discount
Multicar Up to 25%
Military Up to 15% (active duty, retired of member of the National guard or Reserves)
Homeowner
Other discounts Federal employee – Up to 8%

Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces)

Multi-policy / Multi-line discount – Varies

Membership and employee discount – Varies

Seat belt use – 15% (medical payments or personal injury portion of premium)


Vehicle discounts

Geico

Geico

Metromile

Metromile

Anti-theft device Up to 25% (comprehensive portion of premium)
Anti-lock brake Up to 25% (comprehensive portion of premium)
Passive restraints N/A
Air bag Up to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)
Other discounts

Bottom line

Metromile could help you save on insurance if you drive sparingly. Unfortunately, it offers insurance in only eight states. Meanwhile, you can buy Geico insurance wherever you live.

If you’re looking for discounts, Geico is the way to go. You’ll find discounts for defensive driving, military affiliation, good grades and more.

Compare alternatives to Geico and Metromile

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, 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 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
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.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
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 CA, IL, NJ, OR, PA, VA and WA.
USAA
Optional
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

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