MetroMile vs. Farmers
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.
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 Farmers |  Metromile | |
|---|---|---|
| About the provider | “Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to insure that customers have peace of mind with its award-winning Farmers Claim Services. | 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 Farmers 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 | All 50 states | 7 |
| User satisfaction* | A- | A+ |
| J.D. Power ratings** | 3/5 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
Vehicle discounts
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.
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