Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

USAA vs Metromile: Which provider should you choose?

USAA vs Metromile

Updated

Fact checked

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.

Our top pick: Metromile

Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.

  • Start with low rates at $29/month, plus pennies per mile
  • Mileage over 250 in a day is free
  • Intuitive app that helps with claims, ID cards and car health updates
  • 24/7 customer support for help around the clock
 

USAA

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members. Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
States served
States served All 50 states AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection No Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes No (they used to offer the service but they are no longer accepting new applications)
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Online
Phone
Payment schedule
Payment schedule 12 months
6 months
custom
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes No
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes No
Usage based discount
Usage based discount Yes Yes
Learn more
Learn more

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 Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site