MetroMile vs. Nationwide: Discounts, quotes, and comparison

MetroMile vs. Nationwide: Discounts, quotes, and comparison

MetroMile vs. Nationwide

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.

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Nationwide

Nationwide

Metromile

Metromile

About the providerNationwide is not just an auto insurance company, it is also one of the largest financial services companies in America. Its flexible options and member resources are among a few of the reasons people have chosen Nationwide since 1926.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.
PricePolicy costs depend your personal situation. Visit Nationwide 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 served467
User satisfaction*AA+
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Nationwide

Nationwide

Metromile

Metromile

Good studentVaries (full-time student, B average or higher, 16 to 24)
Defensive driver
Good driverUp to 10% (no at-fault accidents and free of major violations for at least 5 years)
Pay in full discount
Multicar
Military
Homeowner
Other discounts

Multi policy discount – Up to 20%

SmartRide discount – 5-40% (usage based discount using plug-in device)

USAA Family Plan – Up to 25%

Easy-Pay sign-up discount

Affinity car insurance discounts – For members of partner business or organization

Paperless documents discount – Varies


Vehicle discounts

Nationwide

Nationwide

Metromile

Metromile

Anti-theft device Varies (factory-installed deterrents)
Anti-lock brake
Passive restraintsN/A
Air bag
Other discounts

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.

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