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Travelers vs. Metromile: Discounts, quotes, and comparison

Travelers vs. Metromile

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At first glance, Travelers may seem like the easy choice for car insurance: It’s one of the 10 largest auto insurers in the US and offers coverage in every state. However, Metromile has a unique way to compete. It offers pay-by-mile insurance, so you may pay lower premiums if you drive very little. If you live in Metromile’s service area and are a generally safe or low-mileage driver, consider trying out this telematics coverage. Otherwise, Travelers is still a safe, trusted bet.

Our top pick: Metromile

Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.

  • Start with low rates at $29/month, plus pennies per mile
  • Mileage over 250 in a day is free
  • Intuitive app that helps with claims, ID cards and car health updates
  • 24/7 customer support for help around the clock
 

Travelers

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Travelers' five-step online guide takes the frustration out of building the perfect policy. 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 states except AK, HI, KS, MI, ND, SD, WV, WY AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Optional 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 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, up to 5% No
Military discount
Military discount No No
Multi car discount
Multi car discount Yes, up to 8% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 10% Yes
Safe driver discount
Safe driver discount Yes, 10-23% No
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, 8% No
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Bottom line

Pay-by-mile coverage is a growing trend in the insurance industry, and MetroMile is at the forefront of the new wave. Being a young company, however, it currently only covers eight US states. Meanwhile, Travelers covers all 50 states.

Based on J.D. Power ratings, Travelers scores middling grades on claims satisfaction. Though Metromile hasn’t received a rating, it doesn’t fare much better: Many of its customers report a slow claims process.

If you’re looking for discounts, you may have better luck with Travelers. It offers promotions like good-student, good-driver, multi-car and driver-training discounts. Metromile offers discounts only if you insure multiple vehicles.

Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Travelers 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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