Geico vs Metromile: Who has better car insurance? | finder.com

Geico vs Metromile car insurance

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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

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • 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
Promoted
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. 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
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
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Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
Optional
55%
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Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
52%
AZ, AR, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TN, 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.

Compare up to 4 providers

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