Metromile vs. Farmers: Discounts, savings and comparison

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.

	Go to site Read review	Read review
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	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
Special employment discount
Special employment discount	No	Yes
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

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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