USAA vs MetroMile: Which provider should you choose?

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.

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USAA

USAA

Metromile

Metromile

About the providerOperating 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.
PricePolicy 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 servedAll 50 states7
User satisfaction*A+A+
J.D. Power ratings**5/5 on overall claims satisfactionN/A
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

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* 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 drivergood 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

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Vehicle discounts

USAA

USAA

Metromile

Metromile

Anti-theft device
Anti-lock brake
Passive restraintsN/A
Air bag
Other discounts

New vehicle discount – Vehicles under 3 years old

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

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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.

Find the cheapest rates

Use our magical comparison tool to find providers offering the cheapest rates in your area.

Your information is secure.

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