{"id":323930,"date":"2025-11-10T16:35:30","date_gmt":"2025-11-10T21:35:30","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=138825"},"modified":"2025-11-10T16:35:31","modified_gmt":"2025-11-10T21:35:31","slug":"metromile-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/metromile-review\/","title":{"rendered":"Metromile Auto Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Metromile Auto Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Metromile is now part of Lemonade (acquired in <a href=\"https:\/\/www.sec.gov\/edgar\/browse\/?CIK=0001691421\">2022<\/a>); there is no current standalone Reviews.com score. For financial strength, AM Best rates Metromile Insurance Company <a href=\"https:\/\/ratings.ambest.com\/companies\/RatingSearch?term=Metromile\">B++ (Good)<\/a> with a stable outlook.<\/li><li>Metromile\u2019s legacy pay\u2011per\u2011mile model has been integrated into <a href=\"https:\/\/www.lemonade.com\/car\">Lemonade Car<\/a>, which uses telematics and mileage to inform pricing.<\/li><li>Best suited for low\u2011mileage, tech\u2011savvy drivers (urban\/occasional). Also compare true pay\u2011per\u2011mile options like <a href=\"https:\/\/www.nationwide.com\">Nationwide SmartMiles<\/a> and <a href=\"https:\/\/www.allstate.com\">Allstate Milewise<\/a>. <\/li><\/ul>\n\n\n\n<p>For people who drive only occasionally or limited distances, the legacy Metromile pay\u2011per\u2011mile approach aligned price with exposure. Today, new policies are offered as <a href=\"https:\/\/www.lemonade.com\/car\">Lemonade Car<\/a>, which uses telematics and mileage\u2011informed pricing while offering standard coverages \u2014 liability (bodily injury and property damage), collision, comprehensive, uninsured\/underinsured motorist, and medical coverages (varies by state).<\/p>\n\n\n\n<p>There is no current standalone Reviews.com score for Metromile following its acquisition by Lemonade (<a href=\"https:\/\/investor.lemonade.com\/\">details<\/a>), and Metromile does not appear in J.D. Power\u2019s latest auto insurance rankings. Financially, AM Best assigns Metromile Insurance Company a <a href=\"https:\/\/ratings.ambest.com\/companies\/RatingSearch?term=Metromile\">B++ (Good)<\/a> Financial Strength Rating with a stable outlook. Historically, Metromile was <a href=\"https:\/\/siccode.com\/business\/metromile\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">a small business with relatively low revenue<\/a>. The successor product, <a href=\"https:\/\/www.lemonade.com\/car\">Lemonade Car<\/a>, emphasizes a modern, app\u2011driven experience with telematics features such as driving\u2011behavior insights and crash detection.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<section id=\"block_60ac0a0b6169f\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Metromile Car Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">4<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">2011<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best:\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">N\/A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power: \n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">N\/A<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">8<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>For people who drive only occasionally or for limited distances, Metromile auto insurance may be worth a look. Though premiums are based in part on the simple measurement of the distance one drives, the insurer offers standard coverage plans that are common in the industry \u2014 liability for personal injury and property damage, collision, comprehensive, and medical.<\/p>\n\n\n\n<p>Metromile receives a 4 out of 5 Reviews.com rating, though it is not rated by AM Best or J.D. Power. Metromile is a new entrant in the auto insurance market and is <a href=\"https:\/\/siccode.com\/business\/metromile\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">a small business with relatively low revenue<\/a>. Metromile is able to compete by leveraging technology enhancements such as a <a href=\"https:\/\/www.metromile.com\/technology\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">user-friendly app<\/a> packed with features like street sweeping notifications, GPS-based car locator, car diagnostic decoders, and trip optimization highlights.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pros\" title=\"Pros vs. Cons\"><\/span>\n    \n\n\n<section id=\"block_60ac0a52616a5\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Cost savings for infrequent drivers:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Premiums are partly based on mileage and can be attractive for people who don\u2019t drive a lot.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Appeals to technology-savvy drivers: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Miles are tracked in an app, making it easy for tech-savvy drivers to save on premiums.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Ease of obtaining coverage:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Quotes can easily be accessed online and provide information to compare with other options.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Mobile app offers more:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Keeping with its technology theme, the robust Metromile app provides added information about driving directions and parking.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Costly premiums for high-mileage drivers:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">The portion of the premium based on actual mileage driven will add up fast for most normal drivers.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Not available nationwide: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Though Metromile plans on expanding, coverage is currently available in only eight states.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Bundling options not available: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Due to the stand-alone nature of Metromile car insurance, policyholders do not have options to bundle with other policies and save.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Privacy concerns: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">For drivers concerned with having their driving patterns tracked, Metromile\u2019s approach may be too great an intrusion. <\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Highlights\"><\/span>\n    \n\n                \n<section id=\"block_60ac0aa1616aa\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Metromile Car Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Discounts &#038; Add-ons <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Metromile offers these standard auto insurance coverage that help it compete with <a href=\"https:\/\/www.reviews.com\/insurance\/car\/the-largest-car-insurance-companies\/\">larger<\/a> and more well-established car insurance companies:<\/p>\n<ul>\n<li>Liability for personal injury and property damage<\/li>\n<li>Collision<\/li>\n<li>Comprehensive<\/li>\n<li>Uninsured\/Underinsured motorist<\/li>\n<li>Medical payments<\/li>\n<\/ul>\n<p>However, Metromile car insurance customers will find that it does not offer many additional coverage options typically found with larger car insurance carriers.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Metromile\u2019s easy online and mobile app access to data and assistance are balanced by <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=16187&amp;:refresh\">NAIC reports<\/a> of increasing customer complaints between 2018 and 2020. Company representatives explained that some of these complaints reflect growing pains and underrepresent the many satisfied customers who never are noted. <\/p>\n<p>Furthermore, Metromile reviews on Reddit forums are mixed. Some reviewers enjoy the low-cost mileage-based program and some of the perks of using Metromile, while some users shared that the claims process was subpar.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Discounts available with Metromile may vary by state but can include:<\/p>\n<ul>\n<li>Vehicle alarm discount.<\/li>\n<li>Discounts for safety devices on vehicles.<\/li>\n<li>Anti-theft and vehicle recovery equipment discount.<\/li>\n<li>Discounts for clean driving records, no at-fault accidents, or for not having any at-fault accidents.<\/li>\n<li>Loyalty discount.<\/li>\n<li>Senior driver discount.<\/li>\n<li>Multi-vehicle discount.<\/li>\n<\/ul>\n<p>A number of add-on coverage can also help customize plans:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.metromile.com\/blog\/travel-rental-car-insurance\/\">Rental reimbursement<\/a> is available for purchase if a driver has collision and comprehensive insurance on the Metromile policy.<\/li>\n<li>Roadside assistance.<\/li>\n<li><a href=\"https:\/\/www.metromile.com\/blog\/metromile-pet-coverage\/\">Pet injury protection<\/a> is added at no cost, except in Washington and Virginia.<\/li>\n<li>Glass repair with no deductible when glass does not need to be completely replaced.<\/li>\n<\/ul>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Although Metromile had a significant number of customer complaints in 2019 and 2020 as reported by NAIC, the company has gone to great lengths to clearly explain the claim filing process on its website, walking claimants through the step-by-step process to categorize, submit and track a claim.<\/p>\n<p>Metromile identifies for its policyholders four specific types of claims that can be filed \u2013 \u201ca roadside assistance claim, a glass and windshield claim, a hit-and-run claim, or a general claim.\u201d The site then provides specific instructions for submitting the necessary information. Advice and direction are provided for documenting a claim with photographs and initiating the repair process.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"how-to\" title=\"How Metromile Works\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">How Metromile Car Insurance Works<\/h2>\n\n\n\n<p>Metromile car insurance relied heavily on technology to obtain quotes and manage coverage. <a href=\"https:\/\/www.metromile.com\/blog\/metromile-self-service-endorsements-2\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Detailed instructions<\/a> were provided for legacy customers; today, new shoppers should use <a href=\"https:\/\/www.lemonade.com\/car\">Lemonade Car<\/a> and check <a href=\"https:\/\/www.lemonade.com\">state availability<\/a>.<\/p>\n\n\n\n<p>Legacy Metromile policies billed a base monthly fee plus a per\u2011mile charge determined by traditional rating factors such as driving history, vehicle, driver age, location, and <a href=\"https:\/\/www.iii.org\/article\/what-determines-price-my-auto-insurance-policy\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">other common factors<\/a>. As an illustration, the monthly bill followed the formula: base rate + (per\u2011mile rate \u00d7 miles driven).<\/p>\n\n\n\n<p>base rate + (per\u2011mile rate \u00d7 1,123 miles) = monthly total*<\/p>\n\n\n\n<p>And drivers who drive fewer miles would pay less under a per\u2011mile model:<\/p>\n\n\n\n<p>base rate + (per\u2011mile rate \u00d7 500 miles) = lower monthly total*<\/p>\n\n\n\n<p>(Examples shown for illustration of the legacy per\u2011mile formula; actual rates and program details vary by state and carrier.)<\/p>\n\n\n\n<p>Historically, mileage was captured via an OBD\u2011II device called the <a href=\"https:\/\/www.metromile.com\/blog\/pulse-device\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Metromile Pulse<\/a>. Industry practice has since shifted toward app\u2011based telematics and, where available, OEM\u2011sourced vehicle data that reduce hardware and improve accuracy; see overviews from <a href=\"https:\/\/risk.lexisnexis.com\">LexisNexis Risk Solutions<\/a> and <a href=\"https:\/\/fpf.org\">the Future of Privacy Forum<\/a>. Legacy materials noted a <a href=\"https:\/\/www.metromile.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">daily mileage cap<\/a>, but current program terms vary by state and carrier (details vary by state).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"comp\" title=\"Metromile Car Insurance vs. The Competition \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Metromile Car Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td>Provider<\/td><td>Reviews.com Score<\/td><td>J.D. Power Customer Satisfaction*<\/td><td>AM Best<\/td><td>Discounts**<\/td><\/tr><tr><td>Metromile<\/td><td>\u2014<\/td><td>Not ranked<\/td><td>B++ (MIC)<\/td><td>Varies<\/td><\/tr><tr><td>Safeco<\/td><td>\u2014<\/td><td>See study<\/td><td>A<\/td><td>Varies<\/td><\/tr><tr><td>Root<\/td><td>\u2014<\/td><td>Not ranked<\/td><td>\u2014<\/td><td>Varies<\/td><\/tr><tr><td>SafeAuto<\/td><td>\u2014<\/td><td>Not ranked<\/td><td>A<\/td><td>Varies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information current as of November 2025<\/em><\/p>\n\n\n\n<p><em>*J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">latest U.S. Auto Insurance Study<\/a>; Metromile is not among the ranked carriers. Scores use a 1,000-point scale.<\/em><\/p>\n\n\n\n<p><em>*Discounts available may vary depending upon state requirements and driver eligibility.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Metromile (now part of Lemonade) vs. Safeco&nbsp;<\/h3>\n\n\n\n<p>Safeco, a Liberty Mutual company, offers broad auto coverage distributed through independent agents and an optional telematics program (<a href=\"https:\/\/www.safeco.com\">RightTrack<\/a>). Safeco appears in J.D. Power\u2019s regional rankings, while Metromile (now part of Lemonade) does not appear among ranked carriers in the latest study; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\">J.D. Power<\/a>.<\/p>\n\n\n\n<p>Agent guidance, bundling, and a wide menu of endorsements often favor Safeco for shoppers wanting a mainstream carrier. Low\u2011mileage, app\u2011centric drivers may find better pricing with usage\u2011based options such as <a href=\"https:\/\/www.lemonade.com\/car\">Lemonade Car<\/a> or true pay\u2011per\u2011mile programs, depending on state and driving profile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Metromile vs. Root<\/h3>\n\n\n\n<p>Root is a direct, telematics\u2011first insurer that bases pricing primarily on how you drive after an app\u2011based test drive (<a href=\"https:\/\/www.root.com\">how it works<\/a>). Metromile\u2019s legacy pay\u2011per\u2011mile model has been folded into <a href=\"https:\/\/www.lemonade.com\/car\">Lemonade Car<\/a>; neither Metromile nor Lemonade Car appears among the ranked carriers in J.D. Power\u2019s latest auto studies.<\/p>\n\n\n\n<p>Root emphasizes behavior\u2011based pricing and a mobile\u2011first experience. Lemonade Car emphasizes low\u2011mileage and safe\u2011driving savings within a broader Lemonade ecosystem (with potential multi\u2011policy discounts across Lemonade products). Availability and pricing vary by state; low\u2011mileage drivers should compare quotes across both.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Metromile vs SafeAuto<\/h3>\n\n\n\n<p>SafeAuto, part of the National General\/Allstate family, focuses on state\u2011minimum coverage and options for higher\u2011risk drivers (<a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-for-high-risk-drivers\/\">high-risk drivers<\/a>). Metromile\u2019s successor path is <a href=\"https:\/\/www.lemonade.com\/car\">Lemonade Car<\/a>, which is typically a better fit for low\u2011mileage, tech\u2011forward drivers.<\/p>\n\n\n\n<p>SafeAuto\u2019s strengths are price and flexibility for minimum\u2011limits or SR\u201122 needs; it places less emphasis on telematics than Lemonade Car or other usage\u2011based programs. Shoppers should compare total cost, available discounts, and add\u2011ons by state.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Metromile Car Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Metromile Car Insurance FAQ&nbsp;<\/h2>\n\n\n<div id=\"block_60ac0c5c616af\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Metromile insurance any good?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Metromile is a niche carrier for drivers who don\u2019t rack up a lot of mileage and offers very affordable coverage in this market. The company does offer full coverage and a robust online presence that is easy to navigate. However, the company is relatively new and some growing pains appear with a high number of customer complaints.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60ac0c67616b0\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Metromile really cheaper?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes, but only for people who drive a limited amount. <\/span><a href=\"https:\/\/www.metromile.com\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Metromile has published <\/span><\/a><span style=\"font-weight: 400;\">statistics indicating that its customers can save $741 per year in premiums. Further, for drivers who don\u2019t exceed 2,000 annual miles, savings can average $947 annually.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60ac0c79616b1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Metromile full coverage?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Metromile does offer complete auto insurance plans which include liability, collision, comprehensive, and medical payment coverage. There are also options for uninsured and underinsured motorist coverage, as well as add-ons for roadside assistance and rental reimbursement.\u00a0<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_60ac0c83616b2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Metromile better than Geico?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Metromile serves a more limited market than Geico, which offers affordable coverage to a broader variety of drivers, regardless of mileage driven per month. For people who use their vehicles infrequently, it makes sense to obtain a quote from Metromile and compare it with quotes from Geico and other carriers.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Metromile in the context of its integration into Lemonade Car, focusing on discounts, coverage, online resources, financial strength, and customer satisfaction indicators to inform Reviews.com comparisons. To compare auto insurers across the board, our scoring framework considers:<\/p>\n\n\n\n<ul><li>Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company\u2019s financial stability.<\/li><li>Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">latest U.S. Auto Insurance Study<\/a> to compare the average rating of insurers across all regions (1,000-point scale). For brands not included in J.D. Power\u2019s rankings, we review regulator complaint indices via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>.<\/li><li>Coverage: Car insurance companies were awarded higher scores for advertised coverage beyond the body liability, property liability, collision, and personal injury protection.<\/li><li>Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Metromile is now part of Lemonade (acquired in 2022); there is no current standalone Reviews.com score. For financial strength, AM Best rates Metromile Insurance Company B++ (Good) with a stable outlook. Metromile\u2019s legacy pay\u2011per\u2011mile model has been integrated into Lemonade Car, which uses telematics and mileage to inform pricing. Best suited for low\u2011mileage, [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362095,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[25484],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Metromile Auto Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Metromile&#039;s mileage-based car insurance program may benefit drivers who use their vehicles infrequently, but not everyone will see savings.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/metromile-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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