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

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.

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State Farm

State Farm

Metromile

Metromile

About the providerFounded 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.
PricePolicy 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 servedAll 50 states7
User satisfaction*B+A+
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView 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 driver3 years no moving violations or at-fault accidents
Pay in full discount
MulticarUp 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 restraintsUp 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.

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Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

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