We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
Liberty Mutual vs. Metromile: Discounts, quotes, and comparison
Liberty Mutual vs. Metromile
If you’re looking for auto insurance, you may have narrowed your choices to Liberty Mutual and Metromile. Which one should you pick?
Founded in 1912, Liberty Mutual is one of the largest auto insurers in the United States. Meanwhile, Metromile was founded in 2011 and is just getting a foothold in the insurance market.
Metromile was founded with a simple concept in mind: You pay for insurance by the mile, so your premiums will be lower the less you drive. To maintain your coverage, you just need to pay a low monthly fee. If this type of insurance appeals to you, you’ll like that Liberty Mutual offers a similar plan called ByMile.
As the larger company, Liberty Mutual offers more discounts and coverage in more states. Before deciding on either insurer, however, consider getting a quote from both to find the best price.
- Pay by miles driven
- Low base rates
- Drive less, pay less
Our top pick: Metromile
Pay-as-you-go rates based on how much and how well you drive start at $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
|About||Formed in 1912, Liberty Mutual is committed to delivering insurance at a competitive rate. Taking pride in operating with immense integrity, the diversified global insurer makes an effort to go above and beyond for its members.||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 Liberty Mutual 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||8|
|J.D. Power ratings**||2/5 on overall claims satisfaction||N/A|
|Driver discounts||View driver discounts|
|Vehicle discounts||View vehicle discounts|
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
|Good student||Varies (under 25, B average or higher)|
|Pay in full discount|
If you’re looking for pay-by-mile insurance, you’re in luck: Both Liberty Mutual and Metromile offer it. Liberty Mutual offers traditional coverage plans as well.
In terms of coverage, Liberty Mutual has the edge. It covers all 50 US states, while Metromile covers eight.
If you think you’ll qualify for a discount, you may have better luck with Liberty Mutual. It offers a variety of discounts: Pay-in-full, teen-driver, new-graduate and more. Metromile offers discounts only if you insure multiple vehicles.
Compare alternatives to Liberty Mutual and Metromile
Read more on this topic
Compare carshare car insurance Make sure the free insurance offered by carshare services is enough protection for you.
Compare car insurance for self-employed drivers Self-employed drivers need to balance getting the best rates with protecting their business.
Compare Allstate car insurance discounts You could save well over 30% by taking advantage of Allstate’s numerous car insurance discounts.
Compare Liberty Mutual car insurance discounts Save extra money with Liberty Mutual by taking advantage of its numerous car insurance discounts.
Which gas should you use in your car? When should you use regular, premium or E85 gas? And what if you use the wrong kind?
How does car insurance cover additional drivers? Insurance should cover drivers listed on your policy, but double-check how your company handles unnamed drivers.
Compare car insurance with accidental death benefits An accidental death benefits rider can help cover funeral expenses after a fatal car accident.
Does driver assist technology affect car insurance? Driver assist technology won’t discount your insurance premium, but it could save your life.
Ferrari LaFerrari car insurance rates You can expect to pay a lot to buy — and insure — this hybrid hypercar from Ferrari.
Compare car insurance for Zipcar drivers Zipcar provides basic insurance, but frequent drivers may want to consider additional coverage.
Ask an Expert