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Geico vs Metromile car insurance

Geico vs Metromile: Who has better car insurance?

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Geico and Metromile both offer steep car insurance savings, so your decision may come down to a few nit-picky specifics. Do you prefer flat payments from a big name or savings based on your mileage and driving skill?

Who’s the winner, Geico or Metromile?

Many drivers will go with Geico over Metromile because Geico serves more states and may offer competitive rates for those who do an average or high amount of driving. Geico’s rates are also more straightforward than Metromile’s with a flat rate each month to cover your vehicle. You’ll also find a solid list of insurance coverage and add-ons.

However, drivers with Metromile save an average $611 per year by switching to its innovative driving app, and knowing your driving habits can help you improve safety too. For premiums, 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. If you’re a safe driver who doesn’t drive much, this company may work well for you.

 

Geico

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims. Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
States served
States served All 50 states AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes No (they used to offer the service but they are no longer accepting new applications)
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Agent
Online
Phone
Payment schedule
Payment schedule 12 months
6 months
custom
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes, up to 25% Yes
Bundling discount
Bundling discount Varies Yes
Home owner discount
Home owner discount No No
Military discount
Military discount Yes, up to 15% No
Multi car discount
Multi car discount Yes, up to 25% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 15% Yes
Safe driver discount
Safe driver discount Varies No
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes, up to 15% No
Usage based discount
Usage based discount No Yes
Learn more
Learn more

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. If neither is for you, compare other car insurance options to find the best fit.

Compare alternatives to Geico and Metromile

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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