Auto Insurance Comparison
Metromile vs Bristol West
Side-by-side comparison of Metromile vs Bristol West auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Metromile edges ahead Bristol West 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.
| Metromile | Bristol West | |
|---|---|---|
| Overall score | 3.65 /5 ★★★★★ Highest overall | 3.35 /5 ★★★★★ |
| Best for | 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 | Bristol West is Farmers' non-standard arm, writing policies for drivers Farmers' main underwriting wouldn't accept — tickets, lapses, SR-22 needs |
| Read full review | Metromile review → | Bristol West review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Metromile | Bristol West |
|---|---|---|
| Customer experience | 3.40 | 3.10 |
| Coverage breadth | 3.30 | 3.30 |
| Affordability | 4.20 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
Bristol West
Full review →Pros
- Backed by Farmers — strong financial backing for a non-standard carrier
- Accepts SR-22 filings and high-risk profiles
- Available in 41 states
- Quick online quotes
Cons
- Customer satisfaction and claims experience trend below industry averages
- Not a fit for standard-risk drivers — rates are non-competitive there
- Limited coverage flexibility compared to mainstream Farmers policies
Coverage at a glance
What each carrier offers in standard policies.
Metromile
Bristol West
The bottom line
Metromile
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 reviewBristol West
Bristol West makes sense for non-standard risk where Farmers' main book won't write you. Standard-risk drivers should shop mainstream first.
Read the full Bristol West 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.