Metromile vs. Direct Auto: Discounts, savings and comparison

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Metromile vs. Direct Auto

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 7 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 usage-based insurance.

  • Pay by miles driven
  • Low base rates
  • Drive less, pay less

Our top pick: Metromile

Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.

  • 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
Direct Auto

Direct Auto

Metromile

Metromile

About the provider Founded in 1991, Direct Auto Insurance offers low-cost insurance policies to “nonstandard” drivers — also known as high-risk drivers — who might have a hard time finding coverage elsewhere. But beware, the company gets very poor reviews and only services 13 states. 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 Direct Auto 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 13 7
User satisfaction* F A+
J.D. Power ratings** N/A 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

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Driver discounts

Direct Auto

Direct Auto

Metromile

Metromile

Good student Up to 10% (unmarried, full-time student, B average or better)
Defensive driver
Good driver Up to 10% (violation and accident-free for 36 months)
Pay in full discount
Multicar Up to 25%
Military Up to 25% (active service member)
Homeowner Up to 15%
Other discounts Senior citizen – Up to 5% (55+, completed a motor vehicle prevention course)

Prior coverage discount – Up to 25% (at another insurance company for 6 months, no more than 90 day lapse between coverage)

Renewal discount – Up to 20% (no policy lapse in prior 12 months, renew 7-10 days prior to expiration)

Welcome back discount – Up to 6%


Vehicle discounts

Direct Auto

Direct Auto

Metromile

Metromile

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

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.

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Compare up to 4 providers

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