Managing Money In A Crisis
Weekly tips sent straight to your inbox
Guides
Vehicle Guides
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.
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.
- 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
|
|
|
|---|---|
| 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.
Compare alternatives to Metromile and American Family
More guides on Finder
-
Compare the best online car insurance companies
Compare the 5 best digital-focused car insurance companies.
-
Car insurance with a graduated license
How to get car insurance with a graduated license and how to save on insurance rates.
-
Compare car insurance rates in Los Angeles, California
How to get the best deal on car insurance in Los Angeles
-
Car insurance for your first car
Guide to getting car insurance for your first car.
-
Compare cheap car insurance for college students
You could get great insurance rates in college by keeping a clean driving record, earning good grades or staying on a parent’s policy for as long as possible.
-
American Family vs. Direct Auto: Which provider is right for you?
American Family vs. Direct Auto: Compare the quotes, benefits, discounts and ratings of both auto insurance providers side-by-side.
-
American Family vs. The General: Which provider is better?
American Family vs. The General: Compare the benefits, discounts and ratings of both auto insurance providers.
-
Liberty Mutual vs. Direct Auto: Compare rates and discounts
Liberty Mutual vs. Direct Auto: Compare the rates and discounts of both auto insurance companies. Find the provider that is cheaper for you.
-
Metromile vs. Direct Auto: Discounts, savings and comparison
While Metromile and Direct Auto both offer auto insurance, they serve different markets. Compare both companies to find out which one is better for you.
-
Travelers vs. Direct Auto: Discounts, savings and comparison
Trying to choose between Travelers and Direct Auto insurance? Find out which provider can give you the better rates and discounts.
Ask an Expert