Metromile vs State Farm: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Metromile or State Farm: Which company is best for you?
Depending on what you're looking for in your next car insurance provider, either State Farm or Metromile could be a solid option. State Farm is a well-established veteran in the auto insurance industry, providing an array of discounts and coverage options. Metromile is a newcomer to the auto insurance marketplace, providing coverage options that cater to lower-mileage drivers. Metromile has been hailed as a disruptor, and many younger city-dwellers have flocked to its pay-per-mile model. State Farm, on the other hand, is one of America's longest-standing and largest insurance companies. State Farm boasts a "Superior" financial strength rating, a decent customer satisfaction rating, and nearly a century of experience serving American drivers. Compare the companies using our breakdown below before shopping for quotes.
| Discount Comparison | Metromile | State Farm |
|---|---|---|
| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System | ||
| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics |
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| New Vehicle | ||
| Annual Mileage |
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| Military |
| Ratings Comparison | Metromile | State Farm |
|---|---|---|
| Financial Strength | N/A | Excellent |
| JD Power Rankings | N/A | Above average |
| User Satisfaction | N/A | N/A |
| Other Products | Metromile | State Farm |
|---|---|---|
| Boat Insurance |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Metromile | State Farm |
|---|---|---|
| About | Metromile offers pay per mile car insurance that is ideal for people who don't drive a lot. You'll pay a low monthly rate, plus a charge based on the actual miles you drive. So if you don’t drive a lot, you can save a lot on car insurance. You can customize your coverage and select from the same options you're used to. Then, you'll plug in a small device into your car that counts your miles and lets you know what’s going on with your car at all times. At the end of the month, your bill will be a total of your base rate plus the number of miles you drive, so it can vary each month depending on how much you drive. Plus, you don’t have to worry about going “over” on miles. If you reach 250 miles (or 150 for New Jersey drivers) in one day, you won’t be charged for any more miles that day. | Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs. |
| Roadside Assistance | Metromile offers roadside assistance as an additional add-on to your insurance policy. This is designed to cover things like flat tires, being locked out of your vehicle, and immovable vehicles. | State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services. |
| Additional Discounts | Metromile's primary additional benefit is that it caters to low-mileage or occasional drivers. For this reason, Metromile is a perfect fit for city drivers. | State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. |
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