Auto Insurance Comparison
Grange vs Metromile
Side-by-side comparison of Grange vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Grange 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.
| Grange | Metromile | |
|---|---|---|
| Overall score | 3.90 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Grange Mutual is a Midwest-and-Southeast regional carrier that competes through independent agents | 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 | Grange review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Grange | Metromile |
|---|---|---|
| Customer experience | 4.00 | 3.40 |
| Coverage breadth | 4.00 | 3.30 |
| Affordability | 3.70 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Grange
Full review →Pros
- Mutual structure with long operating history
- Available across 13 central U.S. states — broader than many regionals
- Good bundling discounts when combined with home insurance
- Solid customer satisfaction reputation
Cons
- No online quoting — every policy through an independent agent
- Pricing is mid-market, not budget
- Less brand recognition than national carriers
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.
Grange
Metromile
The bottom line
Grange
Grange is a solid mid-tier choice in its 13-state footprint, particularly if you bundle with home insurance. Outside that footprint, look elsewhere.
Read the full Grange 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.