Metromile vs Auto Club (AAA) Car Insurance

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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 ComparisonMetromileAuto 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 ComparisonMetromileAuto Club (AAA)
Financial Strength ExcellentGood
JD Power Rankings
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
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
User Satisfaction

A+

N/A

Other ProductsMetromileAuto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetromileAuto Club (AAA)
AboutMetromile 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 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.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 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.AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.
Recent QuestionsBest 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.
See More Questions
Can I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
See More Questions
Compare MoreMetromile vs. Esurance Metromile vs. GEICO Metromile vs. Progressive Metromile vs. Root Insurance Metromile vs. State FarmAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. Safeco Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA
States OfferedCalifornia Illinois New Jersey Oregon Pennsylvania Virginia WashingtonArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Metromile vs Auto Club (AAA)

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