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

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

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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.

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American Family

American Family

Metromile

Metromile

About the provider For 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers. 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 American Family 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 19 7
User satisfaction* B+ A+
J.D. Power ratings** 4/5 on overall claims satisfaction N/A
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

American Family

American Family

Metromile

Metromile

Good student t Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)
Defensive driver 5-10% (55+, completed defensive driving course)
Good driver
Pay in full discount
Multicar
Military
Homeowner
Other discounts

Loyalty discount Early-bird discount

Steer into Savings discount

Low mileage discount – Drive less than 7,500 miles per year

Teen Safe Driver discount – Enroll teen in free program

Young volunteer discount
– Under 25, 40+ hours per year volunteering for non-profit

Generational discount – 18-24 with a parent who is an American Family customer

KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)


Vehicle discounts

American Family

American Family

Metromile

Metromile

Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts

Auto safety equipment – 10-30%

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.

Don’t fall in love with either insurer too quickly: They might not operate in your state. American Family covers 19 US states, while Metromile covers only eight.

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.

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