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Metromile vs. Farmers: Discounts, savings and comparison
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.
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.
- Rates from $29/month plus pennies per mile
- Low-mileage drivers could save $611/year
- All miles over 250 a day are free
- Easy app and online claims plus 24/7 support
- Pay by miles driven
- Low base rates
- Drive less, pay less
|
|
|
|---|---|
| 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. |
| AZ, CA, IL, NJ, OR, PA, VA, WA | All 50 states |
| Optional | Included free |
| Yes | Yes |
| No | Yes |
| No (they used to offer the service but they are no longer accepting new applications) | Yes |
| Yes |
Yes |
| Online Phone |
Online Phone |
| monthly |
12 months custom Monthly |
| Yes | Yes |
| Yes | Yes |
| No | Yes |
| No | No |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| No | Yes |
| No | No |
| No | Yes |
| Yes | No |
|
|
|
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.
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