Auto Insurance Comparison
AAA vs Metromile
Side-by-side comparison of AAA vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
AAA edges ahead Metromile in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| AAA | Metromile | |
|---|---|---|
| Overall score | 3.75 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | AAA sits at the intersection of insurance and membership — its auto coverage is competitive on service and roadside, but headline rates frequently run above more pure-play competitors like GEICO or Progressive | Metromile's pay-per-mile model is genuinely interesting for low-mileage drivers — work-from-home professionals, retirees, urban drivers — where the per-mile pricing can produce dramatically lower premiums |
| Read full review | AAA review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | AAA | Metromile |
|---|---|---|
| Customer experience | 4.30 | 3.40 |
| Coverage breadth | 4.00 | 3.30 |
| Affordability | 3.00 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
AAA
Full review →Pros
- Roadside assistance and member benefits genuinely earn the brand's reputation
- Strong claims-handling and agent service in most regions
- Broad coverage options with consistent multi-state availability
- Solid bundling discounts for members with home or life policies
Cons
- Headline rates typically run above the national average for non-members or light users
- Quality varies meaningfully by regional AAA club — service and pricing aren't uniform
- Not the best fit for high-risk drivers or drivers seeking the lowest possible rate
Metromile
Full review →Pros
- Low-mileage drivers
- Drivers looking for lower rates
- Drivers who value technology-focused insurance
Cons
- High-mileage drivers
- Those who want to bundle insurance types
- Drivers who want a robust set of coverage options
Coverage at a glance
What each carrier offers in standard policies.
AAA
Metromile
The bottom line
AAA
AAA makes sense if you'd use the membership perks anyway. If you're a careful driver who just wants the cheapest competent coverage, USAA (if eligible) or GEICO typically beat AAA on price by a comfortable margin.
Read the full AAA reviewMetromile
Metromile (now Lemonade's auto product) is a genuinely good fit for low-mileage drivers. For typical commuters, the per-mile pricing makes it more expensive than mainstream alternatives.
Read the full Metromile reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.