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

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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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	Yes	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	Go to site Read review	Read review

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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