MetroMile vs. Direct Auto: Discounts, savings and comparison

MetroMile vs. Direct Auto: Discounts, savings and comparison

MetroMile vs. Direct Auto

Though MetroMile and Direct Auto both offer auto insurance, they serve different markets.

MetroMile’s claim to fame is pay-by-mile insurance. Essentially, you’ll pay a flat monthly rate as well as a per-mile rate. This means you may pay very low premiums if you drive sparingly.

Direct Auto, on the other hand, caters mostly to high-risk drivers. This may be a key reason why it received a terrible “F” rating from the Better Business Bureau. If you can’t get insurance anywhere else, the insurer may be one of your few options.

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MetromileMetroMileDirect AutoDirect Auto
AboutFounded 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.Founded in 1991, Direct Auto can offer super low rates and has a large range of options that can fit the needs of just about any driver. Direct Auto offers premium services and makes it clear that its customers deserve exceptional care. The company’s philosophy states they will “do the right thing” and “be results focused”.
PricePolicy costs depend your personal situation. Visit MetroMile for a quote based on your specific needs.Policy costs depend your personal situation. Visit Direct Auto for a quote based on your specific needs.
States served813
User satisfaction*A+F
J.D. Power ratings**N/AN/A
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts


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


Driver discounts

MetromileMetroMileDirect AutoDirect Auto
Good studentNoUp to 10% (unmarried, full-time student, B average or better)
Defensive driverNoNo
Good driverNoUp to 10% (violation and accident-free for 36 months)
Pay in full discountNoNo
Multi carYesUp to 25%
MilitaryNoUp to 25% (active service member)
HomeownerNoUp to 15%
Other discounts
  • Senior citizen – Up to 5% (55+, completed a motor vehicle prevention course)
  • Prior coverage discount – Up to 25% (at another insurance company for 6 months, no more than 90 day lapse between coverage)
  • Renewal discount – Up to 20% (no policy lapse in prior 12 months, renew 7-10 days prior to expiration)
  • Welcome back discount – Up to 6%

Vehicle discounts

MetromileMetroMileDirect AutoDirect Auto
Anti-theft deviceNoN/A
Anti-lock brakeNoN/A
Passive restraintsNoN/A
Air bagNoN/A
Other discounts

Bottom line

If you have no trouble finding insurance, consider passing on Direct Auto. The company scored atrocious ratings in customer service, and you can find a better experience with many other insurers.

MetroMile scores much better in user satisfaction, earning an “A+” from the Better Business Bureau. However, this may stem from the fact that MetroMile typically insures lower-risk drivers. After being involved in accidents, many MetroMile customers have reported a slow claims process.

Also a potential red flag is coverage availability. Direct Auto covers 13 US states, while MetroMile covers only eight.

Direct Auto offers more promotions to lower your premium, such as good-driver and military discounts. MetroMile offers a discount only if you insure multiple vehicles.

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