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Metromile vs. American Family: Discounts, quotes, and comparison
Metromile vs. American Family
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.
- 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
|
|
|
|---|---|
| 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. |
| 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 |
| Optional | Optional |
| Yes | Yes |
| No | Yes |
| No (they used to offer the service but they are no longer accepting new applications) | Yes |
| Yes |
Yes |
| Online Phone |
online phone |
| monthly |
12 months monthly custom |
| Yes | Yes |
| Yes | Yes |
| No | No |
| No | Yes |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| No | Yes, up to 10% |
| No | No |
| No | Yes |
| Yes | Yes |
|
|
|
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.
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