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Liberty Mutual vs. Metromile: Discounts, quotes, and comparison

Liberty Mutual vs. Metromile

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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.

Our top pick: Metromile

Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.

  • 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
  • Pay by miles driven
  • Low base rates
  • Drive less, pay less
 

Liberty Mutual

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button. 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
Online
Phone
Payment schedule
Payment schedule 12 months
monthly
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes No
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes No
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more

Bottom line

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.

Neither insurer offers good-driver or defensive-driver discounts. If you think you qualify for those promotions, consider looking into insurers such as Geico and Allstate.

Compare alternatives to Liberty Mutual 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.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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