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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.




About the provider
About the brand Use the handy online quote tool to build your perfect policy or call an agent for a personal touch. 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


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
Payment schedule
Payment schedule monthly


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, up to 8% Yes
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 Gap insurance Homeowner discount Telematics Has an app? Available states
All 50 states
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loan/lease coverage
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The AARP Auto Insurance Program from the Hartford
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Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Telematics only
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.

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