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AAA vs. Metromile: Which provider is better?

AAA vs. Metromile

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AAA and Metromile aren’t the first names that come to mind when considering car insurance, but fans know the scoop.

AAA is a well-established roadside assistance and travel discount company, but it also provides car insurance. Coverage through AAA requires a membership, which adds to the cost of your insurance. But with that membership come perks like travel planning, home lockout service, entertainment discounts and more.

Metromile is a new company that currently only provides insurance in 8 states. This innovative insurance provider’s claim to fame is its pay-per-mile coverage. If you don’t drive often, this feature could provide real savings.

Still can’t decide between the two? Check out our side-by-side comparison of Metromile and AAA. You’ll find the details you need to make your decision.

AAA

Metromile

OVERVIEW

OVERVIEW
About the provider
About the brand Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in Alaska, Arizona, California, Montana, Nevada, Utah & Wyoming.
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
States served
States served Alaska, Arizona, California, Montana, Nevada, Utah & Wyoming AZ, CA, IL, NJ, OR, PA, VA, WA

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes No (they used to offer the service but they are no longer accepting new applications)
SR-22 insurance
SR-22 insurance Yes Yes
Claims methods
Claims methods online
email
phone
Online
Phone
Payment schedule
Payment schedule 12 months
6 months
monthly
monthly

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount No No
Multi car discount
Multi car discount Yes, up 27% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes, up to 20% Yes
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, up to 14% No
Usage based discount
Usage based discount No Yes
Learn more
Learn more

Bottom line

If you’re looking for the added rewards that come with a AAA membership, then getting insurance with this company might be right for you. But if you live in one of the 8 states Metromile services and you don’t do much driving, this provider might offer you the best price in the end.

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Roslyn McKenna's headshot
Written by

Publisher

Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College. See full bio

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