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.
- Pay by miles driven
- Low base rates
- Drive less, pay less
Our top pick: Metromile
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
- 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
|About the provider||Nationwide 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.|
|Price||Policy 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.|
|J.D. Power ratings**||3/5 on overall claims satisfaction||N/A|
|Driver discounts||View driver discounts||View driver discounts|
|Vehicle discounts||View vehicle discounts||View vehicle discounts|
* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study
|Anti-theft device||Varies (factory-installed deterrents)|
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.