USAA vs Metromile: Which provider should you choose? | finder.com

USAA vs Metromile: Which provider should you choose?

USAA vs Metromile

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USAA and Metromile are 2 vastly different auto insurance providers. Before even considering which company you should insure with, you should first check if you’re qualified for either. USAA currently only serves US military members and their immediate families while Metromile currently only operates in 8 states (California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington).

If you qualify for both, consider seeing their side-by-side reviews, ratings and discounts below.

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

Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • 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
USAA

USAA

Metromile

Metromile

About the provider Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more. 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.
Price Policy costs depend your personal situation. Visit USAA 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 served All 50 states 7
User satisfaction* A+ A+
J.D. Power ratings** 5/5 on overall claims satisfaction N/A
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


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


Driver discounts

USAA

USAA

Metromile

Metromile

Good student
Defensive driver
Good driver good driving record for more than 5 years
Pay in full discount
Multicar
Military
Homeowner
Other discounts Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21


Vehicle discounts

USAA

USAA

Metromile

Metromile

Anti-theft device
Anti-lock brake
Passive restraints N/A
Air bag
Other discounts New vehicle discount – Vehicles under 3 years old

Vehicle storage – Up to 60% (only for stored cars being insured)

Bottom line

USAA is consistently one of the best rated insurers in terms of customer and claims satisfaction. If you qualify for USAA, you should consider it as a strong choice as your insurer unless you drive a low amount of miles and live in one of the states Metromile currently operates in. You can’t really go wrong with either choice, the decision is all up to you and depends on your current circumstances.

Compare your car insurance options to find the best insurance company for you.

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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.

Compare up to 4 providers

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