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Progressive vs. Metromile: Which provider is better?

Progressive vs. Metromile

Julia Cameron
Julia Cameron

Updated

Fact checked

Our top pick: Progressive

Progressive logo
  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership
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Progressive and Metromile are very different companies. Metromile is a start-up that currently only provides insurance in 8 states, while Progressive is a well-known brand that services all 50 states. However, they both have a reputation for good customer service.

If you’re considering Metromile , you likely live in a large city and don’t drive often. This innovative insurance provider’s claim to fame is its pay-per-mile coverage. Although Progressive lacks this feature, it makes up for it with its many discounts.

Progressive

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Metromile

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OVERVIEW

 OVERVIEW
About the provider
About the brand Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims. Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
States served
States served All 50 states AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes No (they used to offer the service but they are no longer accepting new applications)
SR-22 insurance
SR-22 insurance Yes
 Yes
Claims methods
Claims methods online
phone
 Online
Phone
Payment schedule
Payment schedule 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 Yes No
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes, up to 10% 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 Yes
Special employment discount
Special employment discount No No
Student discount
Student discount Yes No
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more
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Bottom line

If you live in one of the 8 states Metromile covers, you might benefit from its pay-per-mile coverage. But don’t rule out Progressive — its vehicle and driver discounts might make it more affordable for you. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Progressive and Metromile

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
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.
Get quotes
More Info
USAA
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Get quotes
More Info
Allstate
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Get quotes
More Info
Root
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Get quotes
More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
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Compare up to 4 providers

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