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

State Farm vs. Metromile

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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
 

State Farm

Metromile

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. 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.
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 Yes 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 No
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

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
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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