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Progressive vs. Metromile: Which provider is better?

Progressive vs. Metromile

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

Metromile

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 & DC
AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No 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

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 Gap insurance Homeowner discount Telematics Has an app? Available states
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
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
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
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.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Branch
Yes
No
Yes
Yes
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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