Travelers vs. MetroMile: Discounts, quotes, and comparison

Travelers vs. MetroMile: Discounts, quotes, and comparison

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.

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travelers

Travelers

Metromile

Metromile

About the providerTravelers has over 30,000 employees operating in five different countries to assure customers that they will be taken care of. It has been a Fortune 500 company since 1995 and its goal is to provide insurance rates at competitive prices.Founded in San Francisco, MetroMile is revolutionizing car insurance for drivers in metropolitan areas. Low-mileage drivers benefit from the pay-per-mile platform and their app, Pulse, offers a car health monitor and street sweeping alerts so you won’t get ticketed.
PricePolicy costs depend your personal situation. Visit travelers for a quote based on your specific needs.Policy costs depend your personal situation. Visit Metromile for a quote based on your specific needs.
States servedAll 50 states7
User satisfaction*AA+
J.D. Power ratings**3/5 on overall claims satisfactionN/A
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

travelers

travelers

Metromile

Metromile

Good student8% (enrolled in school, maintaining a B average or better). Additional 7% if the student is 100+ miles away from home.
Defensive driver
Good driver10-23% (no accidents or violations for the past 3 or 5 years)
Pay in full discountUp to 7.5%
MulticarUp to 8%
Military
HomeownerUp to 5%
Other discounts

Continuous insurance discount – Up to 15% (no gaps in coverage)

EFT discount – 2-3% (pay through EFT or payroll deduction)

Good payer discount – Up to 15% (consistent payment on time)

Early quote discount – 3-10% (quote before your policy expires)

Driver training discount – Up to 8%


Vehicle discounts

travelers

travelers

Metromile

Metromile

Anti-theft device
Anti-lock brake
Passive restraints
Air bag
Other discounts

Hybrid/electric vehicle – Up to 10%

New car – Up to 10% (car less than 3 years old)

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.

Both insurers are relative lightweights for vehicle discounts. However, Travelers offers discounts if you drive a new car or hybrid vehicle.

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Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

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