Geico vs MetroMile: Which provider is right for you?

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

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.

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GeicoGeicoMetromileMetroMile
AboutGeico’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.
PricePolicy 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 servedAll 50 states7
User satisfaction*N/AA+
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

GeicoGeicoMetromileMetroMile
Good student15% (full-time student, between 16-24 and B average or better)No
Defensive driverYesNo
Good driverUp to 26% (5 years accident-free) No
Pay in full discountNoNo
Multi carUp to 25%Yes
MilitaryUp to 15% (active duty, retired of member of the National guard or Reserves)No
HomeownerNoNo
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

GeicoGeicoMetromileMetroMile
Anti-theft deviceUp to 25% (comprehensive portion of premium)No
Anti-lock brake5% (collision portion of premium)No
Passive restraintsN/ANo
Air bagUp to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)No
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.

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