State Farm vs. Metromile: Discounts, quotes, and comparison

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.

	Read review	Read review
OVERVIEW			OVERVIEW
About the provider
About the brand	Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value.	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	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	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	No	No
Multi car discount
Multi car discount	Yes, Up to 20%	Yes
Paid in full discount
Paid in full discount	Yes	Yes
Safety device discount
Safety device discount	Yes, up to 40%	Yes
Safe driver discount
Safe driver discount	Yes	Yes
Special employment discount
Special employment discount	No	No
Student discount
Student discount	Yes, Up to 25%	No
Usage based discount
Usage based discount	No	Yes
Learn more
Learn more	Read review	Read review

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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