Where do you stand?
Geico is one of the largest auto insurance companies in the nation, but Metromile can be a smart choice for drivers who prefer to pay by the mile for coverage. In this review of Metromile vs. Geico, we’ll dive deep into car insurance coverage, pricing, and customer reviews to see which provider is the right choice for you.
Anytime you shop for insurance, we recommend getting free quotes from a few sources so you can compare sample policies side by side. To go ahead and get connected with some of the best car insurance companies, enter your zip code above or call (855) 518-0148.
In this article:
- Metromile And Geico Highlights
- Metromile Vs. Geico: Coverage
- Metromile Vs. Geico: Cost And Discounts
- Metromile Vs. Geico: Quotes And Claims
- Metromile Vs. Geico: Ratings And Reviews
- Our Take On Metromile Vs. Geico
- Top Recommendations For Car Insurance
Metromile And Geico Highlights
Both auto insurance companies are highly rated, but Metromile and Geico have some big differences. Namely, Metromile offers pay-per-mile insurance only, while Geico offers many different types of insurance but usage-based insurance just in some states.
Geico is available nationwide, but Metromile is limited to drivers in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.
|Availability||8 states||50 states|
|AM Best Financial Strength Rating||A-||A++|
|Mobile App Google Play Rating||4.0||4.8|
Metromile Vs. Geico: Coverage
With Metromile and Geico, you can get standard types of car insurance like liability, collision, and medical coverage. But beyond that, coverage varies. Here’s a quick comparison of what you can get with Metromile vs. Geico:
|Liability Auto Insurance||✓||✓|
|Personal Injury Protection (PIP)||✓||✓|
|Medical Payments (MedPay)||✓||✓|
|Uninsured/Underinsured Motorist (UM/UIM)||✓||✓|
|Rental Car Reimbursement||✓||✓|
|Accident Forgiveness Insurance||✓|
|Mechanical Breakdown Insurance (MBI)||✓|
You can usually get roadside assistance and rental car reimbursement with most top insurers. Metromile’s roadside assistance costs about $5 to $7 per month to add on to your policy and includes things like battery jump-starts, flat-tire changes, and towing. On top of those coverages, Geico offers accident forgiveness, mechanical breakdown insurance to help when your car breaks down due to a faulty part, and rideshare insurance for Uber and Lyft drivers.
Between the two car insurance providers, we think Geico has the better coverage. But again, the best option for you depends on what you’re looking for. You might place more weight on cost than coverage.
Metromile Vs. Geico: Cost And Discounts
Metromile coverage is calculated based on a standard monthly rate, plus six cents for each mile that you drive. The base rate varies depending on the state you live in. Geico premiums are calculated similarly to most other auto insurance companies. The cost will depend on many factors, including where you live and the year, make, model, and mileage of your vehicle.
Our research found Metromile to be more affordable than Geico on average. However, Geico has a greater number of discounts than Metromile. When choosing between Metromile vs. Geico, consider what discounts you might qualify for before signing on the dotted line.
Standout Discounts From Metromile
- Usage-based program: Metromile’s pay-per-mile system works using telematics through the Metromile Pulse Device. The data that this device tracks can help you save money on car insurance.
- Annual mileage: If you drive a low amount of miles per year, you could be looking at savings.
Standout Discounts From Geico
- Federal employee: It makes sense that Geico has a discount for federal employees considering Geico began as the Government Employee Insurance Company. Although Geico insures more than federal employees today, this group still gets savings on car insurance through Geico.
- Military: If you’re an active-duty or retired military member, you could get up to 15 percent in savings on your auto insurance.
- Anti-theft equipment and anti-lock brakes: Drivers with safety features in their vehicles will save with Geico.
You can see what discounts you would qualify for when you reach out for free quotes from top auto insurance companies. Enter your zip code below or call (855) 518-0148 to get started.
Metromile Vs. Geico: Quotes And Claims
Comparing the quotes and claims processes is a good way to tell how easy it will be to work with an insurance provider. Filing claims can be particularly stressful, so it’s important to know how your insurer will handle the process.
Unfortunately, Metromile doesn’t appear in many industry reviews analyzing quotes and claims. We’ve gathered from customer reviews that the quotes process is very quick – under two minutes for some customers – but claims experiences get mixed feedback.
As the second largest auto insurance company in the nation, Geico appears in many industry studies, including J.D. Power’s 2019 U.S. Insurance Shopping StudySM and 2019 U.S. Auto Claims Satisfaction StudySM. It scored 848 out of 1,000 in the Shopping Study and 879 out of 1,000 for claims.
Metromile Vs. Geico: Ratings And Reviews
To assess each company’s reputation, we first turned to experts like the Better Business Bureau (BBB) and AM Best. The BBB measures a company’s transparency and business practices, whereas AM Best measures financial ability to pay out the claims that customers are filing.
|AM Best Financial Strength Rating||Not rated||A++|
It’s clear that both companies have strong standings in the market, but Geico pulls slightly ahead of Metromile with the highest ratings possible from the BBB and AM Best.
Analyzing customer reviews can also help you know what it will be like to work with a car insurance company. Looking at Metromile reviews, we found that satisfied customers who left reviews with the BBB were happy with the roadside assistance, fast service, and easy-to-use technology. Disappointed customers complained about the claims experience.
Between Metromile vs. Geico, Geico generally receives better customer feedback. But as with any insurance company, there are positive and negative reviews out there. Positive comments focus on customer service that exceeds expectations and easy claims filing, and negative comments mention rude representatives and slow claims payouts.
Our Take On Metromile Vs. Geico
|Cost and Discounts||Tie|
|Quotes and Claims Processes||Geico|
|Ratings and Customer Reviews||Geico|
In our review of the nation’s top auto insurance providers, we named Geico the Best Overall for a reason. The insurer has comprehensive coverage, a long list of discounts, and largely positive reviews from experts and customers. That being said, we also believe in the age-old adage “different strokes for different folks.” Drivers who live in one of the eight states Metromile serves and who don’t drive very many miles each year will likely find a better rate with Metromile.
We recommend comparing personalized quotes from a few sources to ensure you’re getting the best coverage and rate. Enter your zip code below or call (855) 518-0148 to speak to our team.
Top Recommendations For Car Insurance
If you’re looking for a few more car insurance companies to get quotes from, add USAA and Progressive to your list. USAA auto insurance is a great choice for military families, while Progressive can provide low rates for high-risk drivers, including motorists in their 20s and those with a DUI on record.
USAA: Best For Military
USAA is the only provider to date to earn 5.0 out of 5.0 stars from our review team. If you’re in the military or related to someone who is, you can find a variety of coverages and cheap car insurance rates with USAA. One of many discounts grants you up to 15 percent off if you garage your vehicle on a military base.
Learn more about coverage in our full USAA insurance review.
Progressive: Best For High-Risk Driver
Our Progressive insurance review found that the provider has competitive pricing even for those deemed high-risk. Not only that, but you can quickly find a policy to fit your budget with the Name Your Price® tool and compare rates against other providers right on Progressive’s website. Some extra types of insurance you can get with Progressive include loan/lease payoff, rideshare coverage, and custom parts and equipment value.
Compare the two providers in terms of coverage, cost, and more in our USAA vs. Progressive review.