Metromile vs Nationwide Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Metromile
Not Rated
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

Metromile VS Nationwide
Not Rated
89
What is this?
User Ratings
OptionsMetromile Nationwide
Rating/Reviews
872 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsMetromile Nationwide
Call Center Representative--The rest
Insurer Website--Among the best
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsMetromile Nationwide
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--Better than most
Overall Satisfaction--About average
Rental Experience--Better than most
Repair Process--Better than most
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionMetromile Nationwide
California--796 pt
About average
Central--803 pt
The rest
Florida--793 pt
The rest
Mid-Atlantic--823 pt
The rest
New England--817 pt
About average
New York--806 pt
The rest
North Central--815 pt
The rest
Northwest--782 pt
The rest
Southeast--823 pt
About average
Southwest--805 pt
The rest
Texas--813 pt
The rest
Mobile App Ratings
RegionMetromile Nationwide
Android--
1,829 Reviews
iOS--
40 Reviews
Financial Ratings
OptionsMetromile Nationwide
A.M. Best--A+
Moody's--A1
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityMetromile Nationwide
Austin--$73
Chicago--$184
Philadelphia--$87
Santa Monica--$96

For Single Drivers

CityMetromile Nationwide
Austin--$99
Chicago--$183
Philadelphia--$96
Santa Monica--$231

For Male Drivers

CityMetromile Nationwide
Austin--$84
Chicago--$185
Philadelphia--$90
Santa Monica--$215

For Female Drivers

CityMetromile Nationwide
Austin--$88
Chicago--$182
Philadelphia--$93
Santa Monica--$112

For Drivers with Speeding Ticket

CityMetromile Nationwide
Austin--$115
Chicago--$285
Philadelphia--$102
Santa Monica--$270

For Drivers with No Speeding Ticket

CityMetromile Nationwide
Austin--$80
Chicago--$161
Philadelphia--$90
Santa Monica--$141

For Drivers Age Between 18-40

CityMetromile Nationwide
Austin--$97
Chicago--$185
Philadelphia--$94
Santa Monica--$262

For Drivers Age Between 40-65

CityMetromile Nationwide
Austin--$70
Chicago--$172
Philadelphia--$82
Santa Monica--$85

For Drivers Age of 65+

CityMetromile Nationwide
Austin--$108
Chicago--$217
Philadelphia--$112
Santa Monica--$88

For Drivers with Average Credit

CityMetromile Nationwide
Austin--$105
Chicago--$207
Philadelphia--$104
Santa Monica--$147

For Drivers with Fair Credit

CityMetromile Nationwide
Austin--$87
Chicago--$185
Philadelphia--$91
Santa Monica--$117

For Drivers with Good Credit

CityMetromile Nationwide
Austin--$70
Chicago--$197
Philadelphia--$90
Santa Monica--$106

For Drivers with Excellent Credit

CityMetromile Nationwide
Austin--$83
Chicago--$144
Philadelphia--$80
Santa Monica--$285

Quotes & Discounts

Discount typeMetromile Nationwide
Accident FreeVariesVaries
Anti-Theft DeviceVariesUp to 5%
Continuous CoverageVaries--
Defensive DriverVariesUp to 10%
Driving trainingVaries--
Good DriverVariesUp to 10%
Home OwnerVaries--
LoyaltyVaries--
Married ProfessionalVaries--
Mature driverVaries--
More Vehicles Than DriversVaries--
Multiple VehicleVariesUp to 20%
Paperless documentsVariesVaries
PersistencyVaries--
Accident Forgiveness--Varies
Affinity group--Varies
Driving Habits--Varies
Family--Up to 25%
Farm Bureau--Up to 10%
Good Student--Up to 15%
Multiple Policy--Up to 25%
Organization--Up to 10%
Preferred payment--Varies
SmartRide--Up to 10%

Payment Methods

Discount typeMetromile Nationwide
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
--yes
Mobile App Payments
yes--
Multi-Payment Installment Plans
--yes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesMetromile Nationwide
24/7 serviceyes--
Mobile appyes--
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesMetromile Nationwide
Accident Forgiveness
--yes
Antique or Collector Car Insurance
--yes
Gap Insurance
--yes
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Vanishing Deductible
--yes

Uber and Lyft driver insurance

  • Metromile
  • Nationwide
  • Both

Compare Insurance Products

ProductMetromile Nationwide
Car InsuranceCar Insuranceyesyes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Pet InsurancePet Insurance--yes

User Reviews

  • Metromile Reviews
  • Nationwide Reviews
3.7
5 Stars
52 %
4 Stars
12 %
3 Stars
9 %
2 Stars
6 %
1 Star
21 %

Most Positive Review

By Senteza
They were accurate with their rates.

Most Critical Review

By Ernst
Bait and switch company. Raised my rates 100% after 6 months. No tickets or accidents during that time. Claimed that this is due to raising costs in California. I found rates even better than those before the raise.

All Reviews

Showing 1 - 10 out of 872 Reviews
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Read reviews that mention

Jamison Luther
I've had me auto insurance with them for almost 4 years and I've saved thousands of $. I have a 2019 F150, a 2016 Kia Sedona, and a 2012 Honda Civic. I was intrigued initially because my wife and I drive very little. My commute is 5 miles each way. She just takes kids to school and runs normal local errands for daily life. We both drive under 10k miles a year. I was paying over $450/month for insurance before. We do carry higher limits (ie. $250k/$500k liability instead of the state bare minimum $15k/$30k which is way too little to protect you financially in the event of an accident). My last bill from Metromile in Sept 2020 was $202.46. I've been paying HALF of what I used to pay for insurance for the last 48 months and it's awesome. Just for fun I recently got a quote from Progressive and Root to compare again. For matching coverage Root quoted $585.27/mo (189% more expensive!) and Progressive quoted $410/mo (102% more expensive). CLAIMS: I was also in an accident in 2019 where I was not at fault in my F150. They sent me to a reputable repair shop (https://calibercollision.com/) who deemed it a total loss. Within 2 weeks I had a check in my hand for $42k. Process was simple, quick, and no increase to my rates. Great company, great service, but most of all you saved me a ton of money every month for the last 4 years. Thank you!
Monica C.
worst car insurance company ever. When my car accident happened, they not only took more than a month to respond.....they were also trying to find EVERY SINGLE DETAILS to not over for my damage. What a shame, DO NOT TRUST THEM AND GO SOMEWHERE ELSE.
Alanna Stuart
If I could give it negative infinity stars, I would. I was rear ended in February. It is now November, and still I have not received money for the repairs I did too my car. They replaced my car seats, and paid for medical bills (after a back and forth where the medical claims didnt pay until my bill was about to get sent to collections). I was told this would be easy because it's obvious I was rear ended, and should be quick. It's been 8.5 months and no money for repairs. Stay away from this insurance company!! Cannot be trusted. Claims kept hanging up on me today before ever picking up.
VICTORIA
The company is simply a scam. For a year I drove fewer than 20 miles a month, then when I was hospitalized and unable to drive for several months and the battery died in my car they have decided to charge me 150 miles per month because they do not receive a "signal" and refuse to accept that it will be September or later before I will be able to drive again. They have no customer support or even care about their customers...DO NOT RECOMMEND THEM!!! And I have instructed my credit card company that any charges from METROMILE are fraud charges.
Robert
When our car was backed into the claim was so impossible to do we went through the other insurance company. Then a year later they tried to pass the claim to collections.
Rajan J
My premium has more than doubled. Please help me to reduce it. I also done defensive driving course.
bernell C
Fine customer service. All who I have consulted with have been polite and extremely helpful. I have absolutely no complaints
nth
I've been with Metromile for three years and can recommend them. I've had one claim (hit a deer) and the process was very easy. I used the app to take pictures, spoke with a representative and then took my car to a local body shop I trust. Everything was handled quickly and without issue. Pricing has been good and has not varied much. It makes sense given the low amount of miles I drive. The app has also provided me with good information when my check engine light came on, enabling me to fix the issue myself. I like that the device only tracks mileage, not driving habits as some other insurance companies will do to let you save money.
Neftali F.
They do not like to reply to customers questions and concerns... it takes them weeks!!!! (8weeks)
QiW
My family relocated to California last summer, purchased a new car and new auto insurance from Metromile as I don’t drive much. During recent policy auto renewal, I found the insurance rate increased due to “A previous drive license suspension on August 25, 2018”. The actual rate increase started long time ago but I just didn’t realize. August 2018 is the time my family relocated from Massachusetts to California and I changed my DL from MA to CA. I’d never had DL suspended and believed this is just a mistake. I contacted Metromile and they asked to provide written proof from DMV. I contacted both MA and CA DMV, got required written proof indicating there is no DL suspension. Then I submitted the proofs to Metromile and their underwriter asked me to “provide documentation that specifically state that your license was never suspended in any state”. This is ridiculous considering my 20 years driving history and lived in 6 different states. They refuse to correct the rate and process the refund. I cancelled my policy immediately and switched to another traditional auto insurance company. Don’t want to any business with Metromile.
Showing 1 - 10 out of 872 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.