Metromile Insurance Review: Is Metromile a Good Insurance Company?
- With 2.2/5 stars in 2026, Metromile is a below average insurance company.
- Read Metromile reviews, complaints and prices before you buy.
Metromile insurance: Ratings and reviews
Metromile was acquired by Lemonade in 2022 to expand Lemonade’s auto insurance offerings by integrating Metromile’s technology, data, and customer base. The Metromile brand is being phased out, but its core functionality now powers Lemonade Car.[1] Learn more in our Lemonade car insurance review.
Overall, motorists who don't drive all that much — and who are okay with their driving habits being tracked — could find Metromile insurance beneficial. It offers many of the standard coverage options available from other auto insurance companies, such as liability (bodily injury and property damage), collision, comprehensive, under/uninsured motorist and medical payments. Have a look at our full review below.Â
Low-mileage drivers could see some savings
Tech-based approach may bring convenience and ease
Variety of coverage options may be lacking
Available in just eight states
Auto insurance is the company's sole offering
Is Metromile a good insurance company?
The majority of The Zebra's review incorporates how well Metromile scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Trustpilot Reviews: 2/5
- Progressive earned 2/5 from Trustpilot[2]
BBB Customer Reviews: 2.41/5
- Better Business Bureau customers gave Metromile a 2.41/5 rating[3]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Metromile [4]
Financial Strength: Not Rated
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Metromile for it to be included.
Metromile vs. other top insurance companies
How much does Metromile insurance cost?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Metromile is about $1,152Â or roughly 6%Â more expensive than a typical policy.
The table below shows how Metromile auto insurance compares against other top insurers.
Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| Root | $56 |
| Nationwide | $123 |
| Metromile | $127 |
| GEICO | $129 |
| State Farm | $131 |
| Progressive | $157 |
| Allstate | $201 |
Source: The Zebra
Similar to any insurance company, pricing for Metromile auto insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows Metromile's car insurance premiums for different age brackets.
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $469 |
| 20s | $186 |
| 60s | $154 |
| 30s | $143 |
| 40s | $137 |
| 50s | $130 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
Metromile doesn't advertise discount options — the company claims to offer you the best rate that it can after your initial ride-along. This is done by measuring a driver's habits through the initial test drive as well as the mileage. As such, don't expect discounts from Metromile, and instead, take a close look at the outcome of your ride-along.
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What types of coverage does Metromile offer?
The company provides the standard coverage options (liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, etc.) offered by most car insurance companies, but not much beyond this.
Customers with special coverage needs may find some of these options limiting. The company also offers:
- Collision deductible waiver: This coverage waives your deductible should you be in an accident with an at-fault uninsured driver (availability is limited and stipulations apply).
- Roadside assistance: This common coverage assists drivers with issues like flat tires, battery jump starts, lockout services and more.
Read more about Metromile's coverages here.
Metromile insurance review: Summary
Metromile is a good example of an insurance company that could be very good for some drivers (specifically those who seldom drive or are low-mileage drivers) and not-so-great for others. Its availability nationwide and coverage options are still lacking, and while Metromile's tech-forward philosophy and usage-based model may appeal to some, drivers should remember that the company has below-average reviews from third-party sources, unknown financial strength (which correlates to a company's ability to pay for claims) and an above average number of consumer complaints. In other words, proceed with caution with Metromile.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Metromile insurance: Frequently asked questions
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Customer Questions about Metromile
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.