Metromile Auto Insurance Review for 2025 (Offered by Lemonade)
Our Metromile auto insurance review found it best for low-mileage drivers who want to pay by the mile for coverage. Metromile pay-per-mile car insurance starts at $58 per month. Lemonade recently acquired Metromile, where drivers can shop for home, renters, life, and pet insurance, along with auto coverage.
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, bus...
Licensed Insurance Agent & Agency Owner
UPDATED: Jul 23, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Jul 23, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Metromile
Average Monthly Rate For Good Drivers
$58A.M. Best Rating:
A-Complaint Level:
LowPros
- Pay-per-mile auto coverage for low-mileage drivers
- Home and auto bundling deal at Lemonade
- A+ rating from the Better Business Bureau
Cons
- Not available in all U.S. states
- Mixed customer feedback on review sites
Our Metromile auto insurance review found that it can be a good choice for drivers who travel under 10,000 miles per year and are looking for cheap pay-per-mile car insurance.
Metromile Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score Rating | 3.4 |
| Business Reviews | 4.0 |
| Claim Processing | 3.5 |
| Company Reputation | 4.0 |
| Coverage Availability | 1.9 |
| Coverage Value | 3.5 |
| Customer Satisfaction | 2.1 |
| Digital Experience | 4.0 |
| Discounts Available | 3.0 |
| Insurance Cost | 3.9 |
| Plan Personalization | 4.0 |
| Policy Options | 2.8 |
| Savings Potential | 3.6 |
Metromile was acquired by Lemonade in 2022 and no longer offers new policies to customers. If you want to purchase Metromile pay-per-mile auto insurance, you will be directed to Lemonade’s website. Learn about Lemonade in our Lemonade Insurance review.
- Metromile coverage is now sold by Lemonade Insurance
- Rates are paid by the mile, meaning monthly rates will fluctuate
- Lemonade Insurance also offers home and renters insurance
Read on to learn more about Metromile. If you are looking for cheap car insurance in your area or a Metromile alternative, enter your ZIP in our free quote tool.
Metromile Auto Insurance Rates
Metromile rates are paid by the mile, also known as pay-as-you-go auto insurance, meaning that you will pay a monthly base fee and then a small per-mile fee. Metromile rates are now based on Lemonade’s rates, as Lemonade now issues Metromile policies.
In addition to age and the coverage level you choose, your driving record will also impact what you pay for auto insurance coverage.
Metromile vs. Top Competitors: Auto Insurance Monthly Rates by Driving Record| Company | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| $62 | $91 | $96 | $76 |
 | $87 | $124 | $152 | $103 |
 | $62 | $94 | $104 | $73 |
 | $76 | $109 | $105 | $95 |
 | $43 | $71 | $117 | $56 |
 | $63 | $75 | $129 | $75 |
 | $50 | $98 | $75 | $74 |
 | $47 | $57 | $65 | $53 |
 | $53 | $76 | $112 | $72 |
 | $32 | $42 | $58 | $36 |
A traffic ticket will raise rates the least at Metromile, while a DUI will raise auto insurance rates the most at Metromile Insurance Company.
Metromile Auto Insurance Rates vs. the Competition
Although pay-per-mile insurance is usually cheaper for most drivers, Metromile isn’t necessarily the cheapest on the market.
Metromile vs. Top Competitors: Auto Insurance Monthly Rates
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $62 | $164 |
| $87 | $228 |
| $62 | $166 |
| $76 | $198 |
| $43 | $114 |
| $63 | $164 |
| $50 | $150 |
| $47 | $123 |
| $53 | $141 |
| $32 | $84 |
If you are looking for the cheapest car insurance, other companies like USAA or Geico may actually end up being cheaper than pay-per-mile coverage.
Enter your zip code below to view companies that have cheap insurance rates.
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Metromile Auto Insurance Coverage
Metromile, a Lemonade company, offers basic coverages like liability auto insurance that meets state requirements. There are also some add-on coverages like roadside assistance.
Metromile Auto Insurance Coverage Options
| Coverage Type | |
|---|---|
| Liability Coverage | Covers injuries or damage you cause to others. |
| Collision Coverage | Pays for your car’s damage from crashes. |
| Comprehensive Coverage | Covers non-crash damage (e.g., theft, fire, weather). |
| Uninsured/Underinsured Motorist | Covers you if hit by someone with little or no insurance. |
| Medical Payments (MedPay) | Covers medical bills for you and passengers. |
| Personal Injury Protection | Covers medical costs and lost wages. |
| Rental Car Reimbursement | Pays for a rental car while yours is being fixed. |
| Roadside Assistance | Covers towing, lockouts, flat tires, and jump-starts. |
| Glass Repair Coverage | Fixes or replaces broken auto glass. |
| Pet Injury Coverage | Covers vet bills if your pet is hurt in a car crash. |
You can choose which extra coverages you carry on your vehicle, unless you have a vehicle lease, in which case you’ll have to carry collision and comprehensive coverage.
Full coverage is recommended even for drivers without leased vehicles, as minimum liability insurance only covers other parties’ damages if you cause an accident, not your own.
Metromile Auto Insurance Discounts
Although Metromile is a pay-per-mile auto insurance company, there are still some auto insurance discounts that customers can apply for to save money (Read More: Car Insurance Discounts You Can’t Miss).
Metromile Auto Insurance Discounts by Savings Potential
| Discount | |
|---|---|
| Accident-Free | 20% |
| Anti-Theft | 20% |
| Bundling | 15% |
| Good Driver | $950/year |
| Good Student | 10% |
| Low Mileage | 50% |
| Multi-Car | 10% |
| Paperless | 5% |
| Pay-in-Full | 10% |
| Safe Driver | 15% |
Ensuring more than one car at Metromile can earn you 10% off your auto insurance and offers the convenience of keeping all your cars on one account.
Home Insurance at Metromile
Metromile does not offer its own homeowners insurance coverage. It partnered with Hippos to offer a deal on home and auto insurance, but since Lemonade acquired Metromile, home insurance can also now be bought through Lemonade.
Metromile Partners: Home & Auto Insurance Rates + Bundling Deals
| Company | Home | Auto | Bundling Options |
|---|---|---|---|
 | $121 | $30 | Offers both home and auto insurance, and customers can bundle the two to receive additional savings. |
 | $147 | NA | Provides home insurance and partners with Metromile to offer discounts when bundled with auto coverage. |
| NA | $28 plus $0.06 per mile | Doesn't sell home insurance directly but partners with Hippo to offer bundle discounts of 15%. |
If you are interested in other coverages, you will have to purchase them from Lemonade. Lemonade offers the following coverages:
- Home and Renters: Can be bundled with Lemonade auto coverage for a discount.
- Pet: Coverage that helps pay for pet exams, medications, procedures, and more.
- Life: Lemonade only offers term life insurance.
These Lemonade coverages can be purchased directly from their website, and you may get a deal if you buy more than one type of insurance.
If you are looking for coverage under Metromile’s name alone, you will not find it, as everything is now sold under Lemonade. Any Metromile insurance logins or accounts will have been switched over to Lemonade.
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Customer Reviews and Business Ratings of Metromile
Customer reviews can give you insight into Metromile insurance claims, Metromile customer service, and more. Take a look at the Metromile insurance Reddit discussion thread below to see what customers think of the company.
Metromile Car Insurance – anyone else have a stark increase when metromile renewed recently?
byu/waffles93 inInsurance
A common complaint is rate increases at renewal, which could be because Lemonade is now issuing Metromile policies. There are also some complaints about poor claims processing and customer service (Read More: How to File an Auto Insurance Claim & Win It Each Time). However, other customers like their Lemonade Metromile policy because it’s the cheapest rate they could find.
When evaluating a company, it’s also good to check business ratings for financial stability, customer complaints, and more.
Metromile Auto Insurance Business Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 845 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Feedback |
 | Score: 0.85 Fewer Complaints Than Avg. |
 | Score: A- Excellent Financial Strength |
A.M. Best gave Metromile an A- for financial stability, which is a decent rating. It means that financially, Metromile is able to meet its ongoing financial obligations, such as paying out claims.
Metromile Insurance Pros and Cons
When choosing your auto insurance company, it’s important to consider the pros and cons. We found that Metromile Insurance has the following perks:
- Bundling Deals: Lemonade Insurance Company, which now owns Metromile, offers bundling deals on auto and home/renters insurance.
- Per-Mile-Rates: Because rates are based on how much drivers travel, driving less could result in bigger savings one month (Read More: Best Low-Mileage Auto Insurance Discounts).
- A.M. Best Rating: Mertromile has an A- rating, which is a solid financial stability rating.
Metromile Insurance Company is also well-rated for customer service, as it has fewer customer complaints than average. However, the cons we found about Metromile Insurance Company are the following:
- Limited Availability: Metromile policies, now sold by Lemonade, are only available in 38 states.
- Customer Complaints: There are some poor reviews of Metromile’s customer service and claims online.
Make sure to consider which factors of an insurance company are important to you. A company that is right for one customer may not be the best fit for another.
Choosing Metromile Pay-Per-Mile Auto Insurance
Our Metromile insurance review found it can be affordable car insurance coverage for customers who want to be charged by how much they drive each month.
Mileage-based insurance is ideal for low-mileage drivers who travel under 10,000 miles per year, such as retirees or remote workers.
Dani Best Licensed Insurance Producer
Since Metromile has now been bought out by Lemonade, customers can also purchase Lemonade coverages like home or renters insurance (Read More: Best Renters Insurance Companies).
If Metromile Insurance is not the right fit for you, use our free quote tool to shop around and find affordable insurance in your area.
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Frequently Asked Questions
Is Metromile a good insurance company?
Yes, Metromile is a good insurance company with an A.M. Best A- rating, but it is now under Lemonade Insurance.
What happened to Metromile insurance?
Lemonade Insurance Agency acquired Metromile Insurance in 2022.
Who is Metromile owned by?
Metromile is now owned by Lemonade. If you want to buy car coverage from Lemoande, read our guide on how to buy auto insurance.
How much does Metromile insurance charge?
Metromile auto insurance rates start at an average of $58 per month.
How does Metromile insurance work?
Metromile pay-per-mile car insurance tracks a customer’s mileage to see how much they drive. Metromile will charge a monthly fee, and then a per-mile fee, so rates will fluctuate month to month (Learn More: The Definitive Guide to Usage-Based Auto Insurance).
What is pay-per-mile car insurance?
Pay-per-mile car insurance is car insurance that charges based on how many miles a customer drives. You will pay a base monthly fee, and then a small per-mile fee on top of that each month.
What mileage makes insurance cheaper?
It depends on the insurance company, but most companies will charge less for drivers who travel under 10,000 miles annually.
Does Metromile offer home insurance?
Metromile used to partner with Hippo to offer a bundling deal on home and auto insurance, but since Metromile was acquired by Lemonade, all home insurance is through Lemonade. You can compare homeowners insurance quotes to find the best deal.
What states is Metromile insurance in?
Metromile is now sold under Lemonade. Lemonade is available in the following states, although availability depends on what type of insurance you are purchasing: AL, AZ, AR, CA, CO, CT, FL, GA, IL, IN, IA, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, and WI.
If Metromile isn’t in your state, you can still find cheap auto insurance by entering your ZIP in our free quote tool.
Is Lemonade Insurance a legit company?
Yes, Lemonade Insurance, which now owns Metromile, is a legitimate insurance company. It is publicly traded, and its largest shareholders are BlackRock and The Vanguard Group.
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, bus...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
