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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.
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
|
|
|
|---|---|
| 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. |
| All 50 states | AZ, CA, IL, NJ, OR, PA, VA, WA |
| Optional | Optional |
| Yes | Yes |
| Yes | No |
| Yes | No (they used to offer the service but they are no longer accepting new applications) |
| Yes |
Yes |
| Online Phone |
Online Phone |
| 12 months monthly |
monthly |
| Yes | Yes |
| Yes | Yes |
| Yes | No |
| Yes | No |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | No |
| Yes | No |
| Yes | No |
| Yes | Yes |
|
|
|
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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