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

Quick Facts

• Looking at the national averages for insurance, Metromile offers more affordable prices than Progressive
• Metromile has cheaper premiums for drivers who have an at-fault accident on their record
• Progressive offers more discounts than Metromile

Metromile vs. Progressive: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Metromile or Progressive as your top options, but which carrier will save you the most?

Looking at nationwide averages, Metromile is about $30 per month less expensive than Progressive.

Even so, Metromile may not be the lowest or best option for every single driver out there. Car insurance companies use a ton of complex algorithms to calculate rates, so depending on where you live or how clean your driving record is (among a wide array of other factors), you could see wildly different prices from the ones above.

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

Metromile or Progressive: Average Car Insurance Rates by State

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But there's more to calculating car insurance premiums than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. It's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $150 less a month by choosing Metromile over Progressive.

However, both carriers will lower rates by the time you turn 25. Progressive offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Metromile still has the cheapest premiums at $121 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable auto insurance rates you'll ever see. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase prices.

When looking at Metromile and Progressive specifically, which company is best for retired drivers? Metromile gets the slight edge here, with average rates coming in at around $129 per month compared to Progressive's $131. But the difference is only about 5%, so other factors will likely come into play when determining which carrier has the cheapest prices for you.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more affordable for married couples than they are for those who are single. That's because policies for married drivers generally cover multiple cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, Metromile is the clear winner for single drivers, with prices around $47 per month less expensive than Progressive, on average. But for married policyholders, that advantage is much less clear - Metromile offers the most affordable average rates , but the difference is less than $10.

Metromile vs. Progressive: Average Rates by Gender

Did you know men tend to pay more for insurance than women? This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher premiums.

Surprisingly, women normally pay about 3% more a month than men with Metromile, and around 3% less with Progressive when compared to their male counterparts.

Looking at the data for each company specifically, Metromile offers the lowest average prices for both men and women, with average rates $35 less for men and $26 cheaper for women.

Metromile or Progressive: 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.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Metromile typically offers cheaper premiums of $99 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Metromile again has the edge, with policies about $50 per month more affordable than Progressive, on average.

Is Metromile or Progressive Better for Drivers with Spotty Records?

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

Tickets and at-fault accidents will most likely raise your premiums, but is Metromile or Progressive cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Metromile policyholders can expect their rates to go up an average of $33 a month if they get a ticket, while Progressive normally raises premiums around $31 per month, on average.

That being said, Metromile tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save about $34 a month and drivers with a ticket can save around $32 per month with Metromile.

Which Company is Best for Drivers After an Accident?

Metromile drivers who get in a collision can expect to see their rates rise by over $55, while those who have insurance through Progressive will see about a $65 increase.

Overall, Metromile offers the most affordable prices for drivers with an at-fault collision on their records, with monthly rates averaging $171 compared to Progressive's $214.

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 insurance bill. For example, Metromile increases average premiums by over $50 a month -- that's over a 30% increase.

How does Credit Score Impact Metromile and Progressive Rates?

Did you know that many auto insurance companies take into account your credit score when calculating prices? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect a lot of policyholders out there.

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

So, which carrier offers the cheapest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a considerable impact on how much car insurance companies will charge for coverage? That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Metromile or Progressive report increasing prices for drivers with higher annual mileage figures. Still, Metromile comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average rates of $150 per month for both.

Metromile vs. Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for auto insurance. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer vehicles on the road in those areas, which lowers the chances of an accident.

Metromile tends to offer the cheapest option for drivers in rural and suburban areas, while Progressive wins in urban areas.

For drivers in urban ZIP codes, Progressive's average rates are around $207 while Metromile offers prices about $209. Drivers in suburban ZIP codes pay around $121 with Metromile compared to Progressive's $179 monthly. Those in rural areas can expect to pay about $120 a month with Metromile compared to Progressive's $154.

Metromile vs. Progressive Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging 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.

Below, we've taken a look at all of the different discounts Metromile and Progressive offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Progressive knocks Metromile out of the park when it comes to the sheer number of discounts available, offering 30 more discounts than Metromile.

Both carriers offer several of the same discounts -- like discounts for being a good driver, online quote discounts, and paperless discounts -- but Progressive also offers ABS discounts, advance quote discounts, advanced safety feature discounts, and more that Metromile does not.

Metromile's discounts come through just a few categories, including Good Driving, Multi-Policy, Online Quote, and more.

Final Thoughts: Is Metromile or Progressive Best for You?

So, we've broken down the average premiums for many of the variables car insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the right one for you and your specific profile and needs?

Metromile might be best for you if....

• Your driving record contains an at-fault collision.
• You're looking for more protection with "full coverage" insurance.
• You and your spouse are buying auto insurance together.

Progressive might be best for you if...

• You're planning on moving to another state soon -- undefined is only available in.
• You're looking for the company with the most discounts.
• You live in an urban area.

We hope this guide helps you get a better idea of the difference between Metromile and Progressive and that you can now make a more informed decision when it comes to your 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 car insurance -- comparing quotes from a handful of carriers, not just Metromile and Progressive. 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 auto insurance companies in your area, all in just a few minutes.

Metromile vs. Progressive FAQs

Is Metromile or Progressive cheaper?

Looking just at the national average rates, Metromile is the less expensive of the two carriers, offering average rates of $150 a month compared to $180 for Progressive. However, Metromile won't necessarily be the lowest carrier for each driver, since there are several different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Metromile or Progressive?

Sadly, the real answer is "it depends.". No single company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Metromile and Progressive offer me different rates?

Car insurance companies take a look at lots of different variables when determining the prices they charge drivers. Things such as age, your driving record, gender, where you park your car, and sometimes even things like your credit score can all come into play. Both Metromile and Progressive use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Metromile or Progressive at all!

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.