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

Metromile vs. The General

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Fact checked

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.

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.

  • 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

The General

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. 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

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
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) No
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
phone
Payment schedule
Payment schedule monthly
12 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 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 No 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 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.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
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.
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.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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