Auto Insurance Comparison
Metromile vs Esurance
Side-by-side comparison of Metromile vs Esurance auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Metromile comes out clearly ahead Esurance 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 | Esurance | |
|---|---|---|
| Overall score | 3.65 /5 ★★★★★ Highest overall | 3.00 /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 | Esurance was a digital-first Allstate subsidiary that operated from 1999 to 2020 |
| Read full review | Metromile review → | Esurance review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Metromile | Esurance |
|---|---|---|
| Customer experience | 3.40 | 3.00 |
| Coverage breadth | 3.30 | 3.00 |
| Affordability | 4.20 | 3.00 |
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
Esurance
Full review →Pros
- Strong digital-first user experience during its operating years
- Solid financial backing as an Allstate subsidiary
- Pioneered online auto insurance quoting
Cons
- No longer writing new policies — the brand was retired in 2020
- Existing policies transitioned to Allstate administration
- If you're shopping for new coverage today, Esurance is not an active option
Coverage at a glance
What each carrier offers in standard policies.
Metromile
Esurance
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 reviewEsurance
Esurance is no longer an active carrier. If you're shopping today, see our Allstate review — that's where the Esurance book now lives.
Read the full Esurance 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.