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Metromile vs. Direct Auto: Discounts, savings and comparison

Metromile vs. Direct Auto

Our top pick: Metromile

  • 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
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Though Metromile and Direct Auto both offer auto insurance, they serve different markets.

Metromile’s claim to fame is pay-by-mile insurance. Essentially, you’ll pay a flat monthly rate as well as a per-mile rate. This means you may pay very low premiums if you drive sparingly.

Direct Auto, on the other hand, caters mostly to high-risk drivers. This may be a key reason why it received a terrible “F” rating from the Better Business Bureau. If you can’t get insurance anywhere else, the insurer may be one of your few options.

Who do we recommend?

While Metromile is only available in a handful of states, this company offers great rates for safe drivers. Your premiums are based on your actual driving risk, not your age, gender or other factors. Consider Metromile if you qualify for its coverage area and want to try usage-based insurance.




About the provider
About the brand Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates. Qualify for car insurance stacked with multiple discounts, whether or not you have a spotty driving record.
States served
States served AZ, CA, IL, NJ, OR, PA, VA, WA AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA


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


Anti-theft device discount
Anti theft device discount Yes Yes, up to 10%
Bundling discount
Bundling discount Yes Yes, up to 10%
Home owner discount
Home owner discount No Yes, up to 15%
Military discount
Military discount No Yes, up to 25%
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, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount No Yes, up to 10%
Usage based discount
Usage based discount Yes No
Learn more
Learn more

Bottom line

If you have no trouble finding insurance, consider passing on Direct Auto. The company scored atrocious ratings in customer service, and you can find a better experience with many other insurers.

Metromile scores much better in user satisfaction, earning an “A+” from the Better Business Bureau. However, this may stem from the fact that Metromile typically insures lower-risk drivers. After being involved in accidents, many Metromile customers have reported a slow claims process.

Also a potential red flag is coverage availability. Direct Auto covers 13 US states, while MetroMile covers only eight. Direct Auto offers more promotions to lower your premium, such as good-driver and military discounts. Metromile offers a discount only if you insure multiple vehicles.

Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Metromile and Direct Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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.
The AARP Auto Insurance Program from The Hartford
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.
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

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