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

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.

• Start with low rates at $29/month, plus pennies per mile
• Mileage over 250 in a day is free
• Intuitive app that helps with claims, ID cards and car health updates
• 24/7 customer support for help around the clock

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	Go to site Read review	Go to site Read review
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	Go to site Read review	Go to site Read review

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