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.
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 Liberty Mutual |  MetroMile | |
|---|---|---|
| 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 |
| User satisfaction* | A+ | A+ |
| J.D. Power ratings** | 2/5 on overall claims satisfaction | N/A |
| Driver discounts | View driver discounts | |
| Vehicle discounts | View vehicle discounts | |
Read Review | ||
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
Driver discounts
| Liberty Mutual | MetroMile | |
|---|---|---|
| Good student | Varies (under 25, B average or higher) |  |
| Defensive driver | | |
| Good driver | | |
| Pay in full discount |  | |
| Multi car | | |
| Military | | |
| Homeowner | | |
| Other discounts |
| |
Read Review |
Vehicle discounts
| Liberty Mutual | MetroMile | |
|---|---|---|
| Anti-theft device | | |
| Anti-lock brake | | |
| Passive restraints | | |
| Air bag | | |
| Other discounts |
| |
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.
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Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.
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