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State Farm vs. Metromile: Discounts, quotes, and comparison
State Farm vs. Metromile
If you’re looking for auto insurance, you might be comparing State Farm and Metromile.
Founded in 1922, State Farm is a mainstay in the insurance industry. In fact, it’s the largest auto insurer in the United States. Meanwhile, Metromile is the young upstart, founded in 2011.
Metromile is unique because it offers pay-by-mile insurance. Essentially, you’ll pay a flat monthly fee and a per-mile rate. Unlike larger insurers who offer a variation of pay-by-mile insurance, Metromile doesn’t track your driving habits (for example, hard braking or the times you drive).
State Farm doesn’t offer pay-by-mile insurance. However, through its Drive Safe & Save program, you may qualify for discounts through low mileage and safe driving habits. The insurer also covers all 50 states, while Metromile covers eight states.
Our top pick: Progressive
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
- 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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|
|
|---|---|
| Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232. | Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates. |
| All 50 states | AZ, CA, IL, NJ, OR, PA, VA, WA |
| Optional | Optional |
| Yes | Yes |
| Yes | No |
| Yes | No (they used to offer the service but they are no longer accepting new applications) |
| Yes |
Yes |
| Online Phone |
Online Phone |
| 12 months 6 months Monthly |
monthly |
| Yes | Yes |
| Yes | Yes |
| Yes | No |
| No | No |
| Yes, Up to 20% | Yes |
| Yes | Yes |
| Yes, up to 40% | Yes |
| Yes | No |
| No | No |
| Yes, Up to 25% | No |
| No | Yes |
|
|
|
Bottom line
If you’re looking for pay-by-mile insurance, consider Metromile. The insurer may be an especially good choice if you drive very little.
State Farm is what might come to mind when you think of traditional auto insurance. When calculating your premium, the insurer puts more emphasis on on risk-pool assessments like your zip code and car model.
If you think you’ll qualify for discounts, you may have better luck with State Farm. The insurer offers promotions like good-student, defensive-driver and good-driver discounts. Metromile, meanwhile, offers discounts only if you insure multiple vehicles.
If neither one’s right for you, compare car insurance options to find the best policy for you.
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