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Metromile vs. Nationwide: Discounts, quotes, and comparison

Compare Metromile vs. Nationwide car insurance policies

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Fact checked

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-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.

  • 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
 

Metromile

Nationwide

OVERVIEW

OVERVIEW
About the provider
About the brand Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile. 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
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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