Progressive vs. Metromile: Which provider is better?

Progressive vs. Metromile

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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.

  • Customizable coverage
  • Industry-specific options
  • Easy online access
  • 24/7 assistance

Our top pick: Progressive commercial car insurance

This big-name lender offers general and specialized coverage for your drivers or fleet. But don’t expect top customer support.

  • Customizable coverage
  • Industry-specific options
  • Easy online access
  • 24/7 assistance
Progressive

Progressive

Metromile

Metromile

About the provider Progressive is a household name and one of the largest car insurance companies in the US. Since its origins in 1937, customers have been flocking to Progressive for their insurance needs. It also offers discounts via Snapshot, a usage-based insurance program. 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 Progressive for a quote based on your specific needs. Policy costs depend your personal situation. Visit Metromile for a quote based on your specific needs.
States served All 50 states 8
User satisfaction* A+ A+
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


Driver discounts

Progressive

Progressive

Metromile

Metromile

Good student Varies (B’s or better. Additional discount if away at school, 100+ miles away and 22 or younger)
Defensive driver
Good driver 31% (no tickets or accidents in the last three years)
Pay in full discount
Multicar 10%
Military
Homeowner
Other discounts Automatic bill pays — discount varies

Sign documents online — 7% (not available in CA, GA or NC)

Minor child driver — discount varies for those younger than 19 and newly licensed

Continuous insurance — must maintain active insurance with no gaps or cancellations


Vehicle discounts

Progressive

Progressive

Metromile

Metromile

Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts

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
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

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