Allstate vs. Metromile: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Metromile offers significantly more affordable prices than Allstate
• Allstate may help you save more money -- they offer more discounts than Metromile
• Metromile has cheaper rates in AZ

Allstate or Metromile: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Allstate or Metromile as potential options, but which carrier has less expensive premiums for auto insurance?

Looking at nationwide averages, Metromile has average rates that are around 25% a month more affordable than those from Allstate.

But Metromile may not be the most affordable or best option for each driver out there. Car insurance carriers use a variety of complex algorithms to determine rates, so depending on how good your credit score is or where you live (among a lot of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Allstate and Metromile by many different rate factors, so read on to find out which carrier is the best for you.

Allstate vs. Metromile: Average Car Insurance Rates by State

Allstate and Metromile only compete against each other in Arizona, where Metromile offers the cheaper average prices. Metromile drivers tend to pay about $53 per month less on average compared to drivers who use Allstate for their insurance.

There's a lot more that goes into your auto insurance payment than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers out there on the road. Normally, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Metromile save almost 30% a month compared to those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Metromile's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your premiums drop significantly by the time you turn 25. For example, average prices for Allstate policyholders reduce nearly 65% and Metromile's rates lower almost 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the cheapest insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise prices.

When looking at Allstate and Metromile specifically, which company is best for retired drivers? Metromile gets the edge, with rates for drivers 65 and older $23 less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be cheaper for married couples than they are for those who are single. That's typically because married drivers tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Metromile rates coming in at a quarter less than Allstate's. For married policyholders, the advantage is clear again - Metromile has the edge when it comes to average prices.

Allstate or Metromile: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will normally end up paying a little more.

On average, men see premiums about $10 per month higher with Allstate, but surprisingly, with Metromile, men usually pay around $4 a month less than women.

Looking at the data for each carrier specifically, Metromile comes out as the lowest option for both genders. On average, male drivers save about $55 per month and women save about $42 with Metromile compared to the average Allstate policyholder.

Allstate vs. Metromile: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Car insurance can be a complicated subject for most people. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum liability insurance, Metromile has the slight edge, with average monthly rates coming in at $99. If you want a full coverage policy with the same state minimum limits, Metromile again has the edge, with policies averaging around $201 a month to Allstate's $289.

Is Allstate or Metromile Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and accidents lead to higher rates, but which company -- Allstate or Metromile -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their auto insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Metromile policyholders can expect a bit more drastic of an increase of around 22%.

However, Metromile tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering premiums that are 26% and 19% more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Allstate can expect to see about an $73 -- or around 32% -- rise in their car insurance prices. Drivers who use Metromile for their auto insurance will see a monthly bill about $56 (or 33%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, Metromile offers the most affordable rates for drivers with an at-fault collision on their records, with average premiums coming in at $171 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. For example, Allstate increases average rates by more than $70 per month -- that's more than a 30% increase.

Metromile has the overall lowest prices for drivers with a DUI on their records at $167 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Metromile, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Metromile Rates?

Did you know many auto insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it will come into play for a lot of drivers.

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the most affordable prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Metromile will generally reward you the most. For policyholders with "excellent" credit scores, Metromile comes in nearly 18.62 cheaper. Drivers with "good" credit scores typically save around 20% with Metromile compared to average rates from Allstate.

Which Company is Best for Drivers with Bad Credit?

Metromile typically offers lower premiums than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 23% a month less with Metromile compared to Allstate, and those with "poor" scores normally save an average of around 31% monthly.

Is Allstate or Metromile Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Usually, the more milage you put on your car each year, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Metromile charges. However, there's a small difference in monthly rates for Allstate, with policyholders who drive the least paying about $3 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Metromile is the less expensive carrier.

Allstate or Metromile: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a considerable role in how much you pay for insurance. Generally, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads where they live.

Metromile boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Metromile's average prices are around $209 per month compared to Allstate's $222. People in suburban areas pay a monthly premium of about $121 with Metromile compared to $199 with Allstate. If you live in a rural area, you can expect to pay around $120 per month with Metromile compared to Allstate's $174.

Allstate vs. Metromile Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and Metromile so that you can see which one can save you the most money each month.

Allstate blows Metromile away when it comes to the sheer amount of discounts available, offering 36 more discounts than Metromile.

Both carriers offer several of the same discounts -- like discounts for being a good driver, multi-policy discounts, and paperless discounts -- but Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, Metromile has a proprietary discount of their own -- a online quote discounts.

Final Thoughts: Is Allstate or Metromile Best for You?

So, you've seen how different factors can affect your insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, is Allstate or Metromile the right company for you, your vehicle, and your wallet?

Metromile might be best for you if....

• You've been pulled over for speeding recently.
• You have above-average credit.
• You want to save money while purchasing auto insurance for a teenager.

Allstate might be best for you if...

• You already have plans to move to another state -- Metromile is only available in Arizona.
• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Allstate and Metromile. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple companies, not just Allstate and Metromile. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Allstate vs. Metromile FAQs

Is Allstate or Metromile cheaper?

Metromile is the more affordable of the two companies when looking at national average prices, with policies averaging $150 a month with Metromile and $199 for Allstate. Even so, that doesn't mean Metromile will be the most affordable carrier for every driver, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Metromile?

Unfortunately, the answer truly is "it depends.". One company is not "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Allstate and Metromile offer me different rates?

Auto insurance carriers use many different factors when calculating the rates they charge. Things such as gender, your driving record, age, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Metromile calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Allstate or Metromile is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Allstate or Metromile at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.