Auto Insurance Comparison
Hanover vs Metromile
Side-by-side comparison of Hanover vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Hanover 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.
| Hanover | Metromile | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Hanover is a multi-line carrier whose personal auto sits within a broader portfolio including commercial and specialty lines | 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 | Hanover review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Hanover | Metromile |
|---|---|---|
| Customer experience | 3.90 | 3.40 |
| Coverage breadth | 4.10 | 3.30 |
| Affordability | 3.60 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Hanover
Full review →Pros
- Available across 38 states — broader than most regional mutuals
- Strong multi-line bundling potential including specialty coverage
- Solid claims-handling reputation
- Independent agent distribution with shop-around flexibility
Cons
- No online quoting — independent agents only
- Pricing is mid-market, not a budget option
- Customer satisfaction is solid but not standout
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.
Hanover
Metromile
The bottom line
Hanover
Hanover is a mid-tier option that's most attractive when bundled with home, umbrella, or specialty coverage through an independent agent. Standalone, mainstream carriers will usually beat it on price.
Read the full Hanover 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.