Metromile vs GEICO Car Insurance

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Metromile or GEICO:
Which company is best for you?

Geico and Metromile are two of the most popular auto insurance options. Geico is one of America's best-established providers, while Metromile is a popular pay-per-mile car insurance option. Chances are you've seen Geico's famous TV ads, and heard about Metromile online as an innovative and disruptive force in the industry. Geico was founded in 1936, while Metromile is a relative newcomer, founded in 2011 in San Francisco. Both of these companies are highly regarded, but which offers the discounts, coverage, and customer service that matter most to you? See how they stack up.

Discount ComparisonMetromileGEICO
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 ComparisonMetromileGEICO
Financial Strength ExcellentSuperior
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 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

N/A

Other ProductsMetromileGEICO
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetromileGEICO
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.Geico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.
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.You can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.
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.Geico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.
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.
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What is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
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.
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