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Travelers vs. Metromile: Discounts, quotes, and comparison
Travelers vs. Metromile
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.
- 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
- Pay by miles driven
- Low base rates
- Drive less, pay less
|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.|
|All states except AK, HI, KS, MI, ND, SD, WV, WY||AZ, CA, IL, NJ, OR, PA, VA, WA|
|Yes||No (they used to offer the service but they are no longer accepting new applications)|
|Yes, up to 5%||No|
|Yes, up to 8%||Yes|
|Yes, up to 10%||Yes|
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.
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