Auto Insurance Comparison
Chubb vs Metromile
Side-by-side comparison of Chubb vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Chubb 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.
| Chubb | Metromile | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Chubb is the gold-standard carrier for high-net-worth personal lines — its Masterpiece Auto policy is the benchmark for what coverage depth looks like at the top of the market | 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 | Chubb review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Chubb | Metromile |
|---|---|---|
| Customer experience | 4.40 | 3.40 |
| Coverage breadth | 4.70 | 3.30 |
| Affordability | 2.50 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Chubb
Full review →Pros
- Industry-leading coverage depth, including agreed-value collector-car coverage
- High liability limits and umbrella integration
- Strong claims-handling reputation for high-value losses
- Worldwide coverage options for international travelers
Cons
- Premium pricing — not competitive for mainstream shoppers
- Eligibility skews to high-net-worth households
- Distribution is through select independent agents, not direct
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.
Chubb
Metromile
The bottom line
Chubb
Chubb is the right answer for high-net-worth households with valuable vehicles and complex coverage needs. For typical mainstream coverage, the value math doesn't work — look at GEICO, Progressive, or Travelers.
Read the full Chubb 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.