Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure
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.
|
|
---|---|
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. |
All 50 states |
AZ, CA, IL, NJ, OR, PA, VA, WA |
Optional | Optional |
No | 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 | Yes |
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.
Compare alternatives to State Farm and Metromile
More guides on Finder
-
Compare pay-as-you-go and telematics companies
Compare 19 usage-based insurance companies and their key features side by side.
-
Compare car insurance in Stockton
Compare car insurance rates and features that serve Stockton.
-
Car insurance in Modesto
These 4 best car insurance picks are a good starting point for shopping around in Modesto.
-
Car insurance in Bakersfield
Compare top car insurance companies in Bakersfield, plus see why you need extra coverage here.
-
USAA SafePilot review
Save up to 30%, but using your phone — even in hands-free mode — lowers your discount.
-
Car insurance in Sacramento
Shop for car insurance in Sacramento with the best coverage, rates, service and local reputation.
-
Compare car insurance in San Jose
Car insurance isn’t optional in San Jose. Compare insurers that serve San Jose, California.
-
Car insurance in San Diego
These top 4 companies should narrow down your car insurance options in San Diego.
-
Car insurance in Denver
See our 4 best picks for car insurance in Denver, plus a few more to consider.
-
Travelers IntelliDrive review
Earn a discount when you share your data for 90 days, but only if you’re a safe driver.
Ask an Expert