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Metromile vs. The General: Discounts, quotes, and comparison

Metromile vs. The General

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Though Metromile and The General both offer insurance, they serve different markets.

Metromile’s claim to fame is pay-by-mile insurance. Essentially, you’ll pay a flat monthly rate as well as a per-mile rate. This means you may pay very low premiums if you drive sparingly.

The General, on the other hand, caters to drivers whom other insurers may classify as “high risk.” The company claims to provide affordable premiums, even though insurance for riskier drivers tends to be more expensive. In contrast to other high-risk insurance providers, The General maintains a stellar rating from the Better Business Bureau.

Who do we recommend?

While Metromile is only available in 7 states, this company offers great rates for safe drivers. Your premiums are based on your actual driving risk, not your age, gender or other factors. Consider Metromile if you qualify for its coverage area and usage-based insurance.


The General


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. Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
States served
States served AZ, CA, IL, NJ, OR, PA, VA, WA All states except Hawaii, Massachusetts, Michigan and New Jersey


Roadside assistance
Roadside assistance Optional No
New car protection
New car protection Yes No
Accident forgiveness
Accident forgiveness No No
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
Payment schedule
Payment schedule monthly
12 months


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 No
Special employment discount
Special employment discount No No
Student discount
Student discount No Yes
Usage based discount
Usage based discount Yes No
Learn more
Learn more

Bottom line

The General promises low prices, but it’s always worth shopping around to see if you’ll get a better deal elsewhere.

If you’re set on pay-by-mile insurance, Metromile is one of your few options. Other insurers offer a variation of pay-by-mile coverage; however, they deliver savings based mostly on how safely you drive, rather than calculating your rate based on mileage.

The General wins in states served. It covers 46 US states, while Metromile only operates in eight.

Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Metromile and The General

Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
The Zebra
All 50 states
loan/lease coverage
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Depends on provider
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.

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