Auto Insurance Comparison
ALFA vs Metromile
Side-by-side comparison of ALFA vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
ALFA 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.
| ALFA | Metromile | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | ALFA Insurance is Alabama Farm Bureau's insurance arm, operating primarily in Alabama with limited presence in Georgia and Mississippi | 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 | ALFA review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | ALFA | Metromile |
|---|---|---|
| Customer experience | 4.00 | 3.40 |
| Coverage breadth | 3.60 | 3.30 |
| Affordability | 3.90 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
ALFA
Full review →Pros
- Competitive auto rates in Alabama for clean records
- Strong Alabama agent network with deep state expertise
- Solid in-state customer satisfaction reputation
- Multi-line bundling discounts
Cons
- Geographic limitation — Alabama, Georgia, Mississippi only
- Farm Bureau membership required
- No online quoting — agent-distributed
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.
ALFA
Metromile
The bottom line
ALFA
ALFA is a solid Alabama Farm Bureau choice for in-state residents with clean records. Outside its three-state footprint, it isn't an option.
Read the full ALFA 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.