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Metromile vs. American Family: Discounts, quotes, and comparison

Metromile vs. American Family

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Metromile and American Family may not be as visible as State Farm, Geico or Allstate. However, they offer surprising benefits that might make them worth your while.

Many consumers may not know that American Family is one of the largest auto insurers in the United States. The company has been around for 90 years, so it may be the right pick if you’re looking for an experienced player in the insurance market.

On the opposite side of the spectrum is Metromile . Founded in 2011, it’s a very young company. It’s been gaining attention, however, because of its pay-by-mile insurance. With this type of coverage, you pay a flat monthly rate and a per-mile rate.

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
 

Metromile

American Family

OVERVIEW

OVERVIEW
About the provider
About the brand Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates. American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served
States served AZ, CA, IL, NJ, OR, PA, VA, WA AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Rideshare coverage No (they used to offer the service but they are no longer accepting new applications) Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
online
phone
Payment schedule
Payment schedule monthly
12 months
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount No No
Military discount
Military discount No Yes
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 No Yes, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount No Yes
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more

Bottom line

Metromile may be the right choice if you want pay-by-mile insurance. Through the insurer, you may pay low premiums if you drive very little. American Family doesn’t offer pay-by-mile coverage, but it gives discounts for drivers who accumulate less than 7,500 miles per year.

For a large insurer, American Family scores quite well on claims satisfaction. It received a four-out-of-five score from J.D. Power — a higher grade than what most large insurers earn. Though Metromile hasn’t received a J.D. Power rating, many of its customers report a slow claims process.

If you’re on the hunt for discounts, American Family may be the right pick. It offers promotions like good-student, defensive-driver, low-mileage and young-volunteer discounts. It also gives vehicle discounts for airbags and auto-safety equipment. Metromile offers discounts only if you insure multiple vehicles.

Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Metromile and American Family

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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
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.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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