Geico vs Metromile: Who has better car insurance?
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.
Geico’s rates may be more straightforward, but drivers with Metromile save an average $611 per year by switching to its innovative driving app.
- Pay by miles driven
- Low base rates
- Drive less, pay less
Our top pick: Metromile
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.
- Rates from $29/month plus pennies per mile
- Low-mileage drivers could save $611/year
- All miles over 250 a day are free
- Easy app and online claims plus 24/7 support
|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|
|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
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. If neither is for you, compare other car insurance options to find the best fit.