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Metromile vs. Nationwide: Discounts, quotes, and comparison

Compare Metromile vs. Nationwide car insurance policies

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If you’re considering Metromile and Nationwide, you might be wondering how they’re different.

Founded in 2011, Metromile is one of the youngest players in the insurance market. It’s been gaining steam, however, because it offers pay-by-mile insurance. With this type of coverage, you pay a flat monthly rate as well as a per-mile rate.

Nationwide is a much larger company — it’s one of the 10 largest auto insurers in the United States. It doesn’t offer pay-by-mile insurance yet, but it may introduce the option in 2018.

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

Nationwide

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. Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
States served
States served AZ, CA, IL, NJ, OR, PA, VA, WA All states except AK, HI, LA, MA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
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) No
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Online
Phone
Payment schedule
Payment schedule monthly
12 months
6 months
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 No
Military discount
Military discount No No
Multi car discount
Multi car discount Yes No
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 Yes, 5-40%
Learn more
Learn more

Bottom line

Even if you want to sign up for Metromile, you may not be able to: The company only operates in eight US states. Meanwhile, Nationwide covers 46 states.

According to J.D. Power, Nationwide obtains a middling score on claims satisfaction. Though Metromile hasn’t been rated by J.D. Power, many of its users have reported a clunky claims process.

In terms of discounts, you’ll likely have better luck with Nationwide. It offers promotions like good-student, defensive-driver, family-plan and SmartRide discounts. 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 Nationwide

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.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
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.
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