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
|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.|
|All states except AK, HI, KS, MI, ND, SD, WV, WY||AZ, CA, IL, NJ, OR, PA, VA, WA|
|3 stars||Not rated|
|5 stars||5 stars|
|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.
Compare your car insurance options to find the best insurance company for you.