Travelers vs. Metromile: Discounts, quotes, and comparison

Travelers vs. Metromile: Discounts, quotes, and comparison

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Travelers vs. Metromile

Thinking about Travelers or Metromile insurance? You might be wondering how they’re different.

At first glance, Travelers may seem like the easy choice: It’s one of the 10 largest auto insurers in the United States. 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.

Check out the comparison tables below to see how Travelers and Metromile stack up: Where they provide coverage, their customer satisfaction and which discounts they offer.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.

  • 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
Promoted
 

Travelers

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Travelers' five-step online guide takes the frustration out of building the perfect policy. Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
States served
States served All states except AK, HI, KS, MI, ND, SD, WV, WY AZ, CA, IL, NJ, OR, PA, VA, WA
User satisfaction
User satisfaction 3 stars Not rated
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Accident forgiveness Yes No (they used to offer the service but they are no longer accepting new applications)
SR-22 insurance
SR-22 insurance Yes
No
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 No
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
Other discounts
Other discounts
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 Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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