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’s legacy pay‑per‑mile model has been integrated into Lemonade Car, which uses telematics and mileage to inform pricing.
- Best suited for low‑mileage, tech‑savvy drivers (urban/occasional). Also compare true pay‑per‑mile options like Nationwide SmartMiles and Allstate Milewise.
For people who drive only occasionally or limited distances, the legacy Metromile pay‑per‑mile approach aligned price with exposure. Today, new policies are offered as Lemonade Car, which uses telematics and mileage‑informed pricing while offering standard coverages — liability (bodily injury and property damage), collision, comprehensive, uninsured/underinsured motorist, and medical coverages (varies by state).
There is no current standalone Reviews.com score for Metromile following its acquisition by Lemonade (details), and Metromile does not appear in J.D. Power’s latest auto insurance rankings. Financially, AM Best assigns Metromile Insurance Company a B++ (Good) Financial Strength Rating with a stable outlook. Historically, Metromile was a small business with relatively low revenue. The successor product, Lemonade Car, emphasizes a modern, app‑driven experience with telematics features such as driving‑behavior insights and crash detection.
Metromile Car Insurance Overview
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 — liability for personal injury and property damage, collision, comprehensive, and medical.
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 small business with relatively low revenue. Metromile is able to compete by leveraging technology enhancements such as a user-friendly app packed with features like street sweeping notifications, GPS-based car locator, car diagnostic decoders, and trip optimization highlights.
PROS
CONS
Metromile Car Insurance Highlights
How Metromile Car Insurance Works
Metromile car insurance relied heavily on technology to obtain quotes and manage coverage. Detailed instructions were provided for legacy customers; today, new shoppers should use Lemonade Car and check state availability.
Legacy Metromile policies billed a base monthly fee plus a per‑mile charge determined by traditional rating factors such as driving history, vehicle, driver age, location, and other common factors. As an illustration, the monthly bill followed the formula: base rate + (per‑mile rate × miles driven).
base rate + (per‑mile rate × 1,123 miles) = monthly total*
And drivers who drive fewer miles would pay less under a per‑mile model:
base rate + (per‑mile rate × 500 miles) = lower monthly total*
(Examples shown for illustration of the legacy per‑mile formula; actual rates and program details vary by state and carrier.)
Historically, mileage was captured via an OBD‑II device called the Metromile Pulse. Industry practice has since shifted toward app‑based telematics and, where available, OEM‑sourced vehicle data that reduce hardware and improve accuracy; see overviews from LexisNexis Risk Solutions and the Future of Privacy Forum. Legacy materials noted a daily mileage cap, but current program terms vary by state and carrier (details vary by state).
Metromile Car Insurance vs. The Competition
| Provider | Reviews.com Score | J.D. Power Customer Satisfaction* | AM Best | Discounts** |
| Metromile | — | Not ranked | B++ (MIC) | Varies |
| Safeco | — | See study | A | Varies |
| Root | — | Not ranked | — | Varies |
| SafeAuto | — | Not ranked | A | Varies |
Information current as of November 2025
*J.D. Power’s latest U.S. Auto Insurance Study; Metromile is not among the ranked carriers. Scores use a 1,000-point scale.
*Discounts available may vary depending upon state requirements and driver eligibility.
Metromile (now part of Lemonade) vs. Safeco
Safeco, a Liberty Mutual company, offers broad auto coverage distributed through independent agents and an optional telematics program (RightTrack). Safeco appears in J.D. Power’s regional rankings, while Metromile (now part of Lemonade) does not appear among ranked carriers in the latest study; see J.D. Power.
Agent guidance, bundling, and a wide menu of endorsements often favor Safeco for shoppers wanting a mainstream carrier. Low‑mileage, app‑centric drivers may find better pricing with usage‑based options such as Lemonade Car or true pay‑per‑mile programs, depending on state and driving profile.
Metromile vs. Root
Root is a direct, telematics‑first insurer that bases pricing primarily on how you drive after an app‑based test drive (how it works). Metromile’s legacy pay‑per‑mile model has been folded into Lemonade Car; neither Metromile nor Lemonade Car appears among the ranked carriers in J.D. Power’s latest auto studies.
Root emphasizes behavior‑based pricing and a mobile‑first experience. Lemonade Car emphasizes low‑mileage and safe‑driving savings within a broader Lemonade ecosystem (with potential multi‑policy discounts across Lemonade products). Availability and pricing vary by state; low‑mileage drivers should compare quotes across both.
Metromile vs SafeAuto
SafeAuto, part of the National General/Allstate family, focuses on state‑minimum coverage and options for higher‑risk drivers (high-risk drivers). Metromile’s successor path is Lemonade Car, which is typically a better fit for low‑mileage, tech‑forward drivers.
SafeAuto’s strengths are price and flexibility for minimum‑limits or SR‑22 needs; it places less emphasis on telematics than Lemonade Car or other usage‑based programs. Shoppers should compare total cost, available discounts, and add‑ons by state.
Metromile Car Insurance FAQ
Methodology
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:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its latest U.S. Auto Insurance Study to compare the average rating of insurers across all regions (1,000-point scale). For brands not included in J.D. Power’s rankings, we review regulator complaint indices via the NAIC Consumer Insurance Search.
- Coverage: Car insurance companies were awarded higher scores for advertised coverage beyond the body liability, property liability, collision, and personal injury protection.
- 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.
