Metromile vs Auto Club (AAA)
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Metromile or Auto Club (AAA):
Which insurance company is best for you?

The choice between AAA and Metromile car insurance is a tough one. Each of these insurers does business in a different way and comes with pros and cons. AAA — also called Auto Club — is a well-established and popular option, while Metromile is a much newer company that aims to appeal to younger drivers. Acclaimed as an innovator in the somewhat staid auto insurance industry, Metromile has shaken things up with its pay-per-mile model. This may appeal to urbanites who need a car occasionally but use other means of transportation for daily trips. AAA is popular thanks to its discount programs and coast-to-coast reach. AAA was founded in 1902, while Metromile is a relative newcomer, founded in 2011 in San Francisco. Which of these car insurance companies provides premiums and coverage to suit you? See how they compare.

Discount Comparison Metromile Auto Club (AAA)
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 Auto Club (AAA)
Financial Strength Excellent Good
JD Power Rankings
3 out of 5
2 out of 5
User Satisfaction

A+

N/A

Other Products Metromile Auto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Metromile Auto Club (AAA)
About Metromile offers car insurance based on how much you drive. You pay a low base rate, plus pennies per mile. Pay-per-mile insurance brings fair rates to drivers who want the ability to control what they pay. Even though you’re paying less, you still receive coverage comparable to that of major insurers. Auto Club provides its customers with customizable payment options, competitive rates and excellent features.
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. AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.
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. AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.
Recent Questions Does roadside assistance cover people not on your policy

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Metromile vs Auto Club (AAA)

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