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Metromile vs. Farmers: Discounts, savings and comparison

Metromile vs. Farmers

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In many ways, Farmers and Metromile are very different companies. Farmers is a mainstay in insurance, founded in 1928. Meanwhile, Metromile was founded in 2011 and is just getting a foothold in the industry.

Metromile offers a unique “pay by mile” form of coverage. Essentially, you’ll pay a flat monthly rate and a per-mile rate. Farmers doesn’t offer this type of coverage, but you may save on your premium anyway through the insurer’s multiple discounts.

Check out the comparison tables below to find the right insurer for you.

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
 

Metromile

Farmers

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. Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
States served
States served AZ, CA, IL, NJ, OR, PA, VA, WA All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Included free
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
custom
Monthly

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 Yes
Military discount
Military discount No No
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 No Yes
Special employment discount
Special employment discount No No
Student discount
Student discount No Yes
Usage based discount
Usage based discount Yes No
Learn more
Learn more

Bottom line

Though pay-per-mile coverage may appeal to you, you might not get it through Metromile: The company operates in only eight US states. On the other hand, Farmers covers all 50 states.

Both companies receive middling grades in claims satisfaction. Farmers picked up a three-out-of-five score from J.D. Power. Metromile doesn’t have a J.D. Power score yet, but many of its customers have reported slow claims processes.

If you’re looking for discounts, you’ll like that Farmers has a deep pool of them. Your family may qualify for promotions like good-student, good-driver and youthful-driver discounts. Farmers also offers an impressive array of vehicle discounts. Unfortunately, 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 Farmers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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Compare up to 4 providers

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