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USAA vs Metromile: Which provider should you choose?
USAA vs Metromile
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
Pay-as-you-go rates based on how much and how well you drive start at $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
|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|
|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
New vehicle discount – Vehicles under 3 years old
Vehicle storage – Up to 60% (only for stored cars being insured)
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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