Metromile vs State Farm

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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 ComparisonMetromileState 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 ComparisonMetromileState Farm
Financial Strength ExcellentSuperior
JD Power Rankings
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3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A++

Other ProductsMetromileState Farm
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetromileState Farm
AboutMetromile 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 AssistanceMetromile 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 DiscountsMetromile'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 QuestionsHow does Metromile calculate the miles?
I believe Metromile charges a base rate (determined by a few of the conventional insurance rating factors like age, driving record, vehicle, etc.) and adds your cost-per-mile fee depending on your actual mileage. They track your mileage with an in-car telematics device.
Best insurance when I only drive to work
Because you're considered a low mileage driver and you live in Arizona, I would recommend getting a quote with Metromile. Metromile is a pay-as-you-go car insurance company which caters to low-mileage drivers.
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Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.
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.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
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.
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