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

USAA vs Metromile: Which provider should you choose?

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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

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
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.

Compare alternatives to USAA and Metromile

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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.
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Yes, history based
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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