Compare State Farm vs. Metromile car insurance | finder.com

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

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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.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support
Promoted
State Farm

State Farm

Metromile

Metromile

About the provider Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list. 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 State Farm 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 7
User satisfaction* B+ 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

State Farm

State Farm

Metromile

Metromile

Good student Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home.
Defensive driver
Good driver 3 years no moving violations or at-fault accidents
Pay in full discount
Multicar Up to 20% (two or more vehicles in household)
Military
Homeowner
Other discounts Driving training – Varies (all operators under 21 complete approved drivers education)

Drive Safe & Safe – Enroll in the State Farm app


Vehicle discounts

State Farm

State Farm

Metromile

Metromile

Anti-theft device
Anti-lock brake
Passive restraints Up to 40% (medical-related coverage, vehicle made in 1994 or later)
Air bag
Other discounts Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)

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

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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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.
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Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.

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