Metromile or State Farm: Which Car Insurance 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 |
|
|
| Multiple Policies |
|
|
| Multiple Vehicles |
|
|
| Anti-Theft Device(s) |
|
|
| Anti-Lock Brake System | ||
| Air Bags |
|
|
| Good Driver |
|
|
| Defensive Driver |
|
|
| Student Away at School |
|
|
| Driver Training |
|
|
| Green Vehicles | ||
| Affinity Membership Alum |
|
|
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics |
|
|
| New Vehicle | ||
| Annual Mileage |
|
|
| 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 |
|
|
| Condo Insurance |
|
|
| Life Insurance |
|
|
| Homeowners Insurance |
|
|
| Travel Trailer Insurance |
|
|
| Renters Insurance |
|
|
| RV Insurance |
|
|
| Motorcycle Insurance |
|
|
| Mobile Home Insurance |
|
| 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. |
| Recent Questions |
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Does State Farm cover rodent damage to my car's electrical wiring through comprehensive coverage?
While I can't speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
|
|
| Compare More | Metromile vs. Auto Club (AAA) Metromile vs. Esurance Metromile vs. GEICO Metromile vs. Progressive Metromile vs. Root Insurance | State Farm vs. 21st Century State Farm vs. Allied State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Foremost State Farm vs. Infinity State Farm vs. Mercury State Farm vs. MetLife State Farm vs. North Star Mutual State Farm vs. Root Insurance State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers |
| Top States | California Illinois New Jersey Oregon Pennsylvania Virginia Washington | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |