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USAA vs Metromile: Which insurer should you choose?

Both insurers cater to a specific type of driver, but USAA stands out for top-rated customer support.

USAA and Metromile each cater to a different type of driver. USAA serves US military members and their immediate families, while Metromile caters to low-mileage drivers in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

USAA stands out as our top pick for its top-rated customer service and steep discounts. But if you don’t qualify for USAA, and drive a low amount of miles, Metromile may be your best fit. If you qualify for both, consider seeing their side-by-side reviews, ratings and discounts below to determine the best pick for you.

USAA

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family. 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 & DC
AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes 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 Yes
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 go wrong with either choice, the decision 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
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
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