Auto Insurance Comparison
Metromile vs Kemper
Side-by-side comparison of Metromile vs Kemper auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Metromile edges ahead Kemper 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 | Kemper | |
|---|---|---|
| Overall score | 3.65 /5 ★★★★★ Highest overall | 3.55 /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 | Kemper is a diversified carrier with a major non-standard auto presence and several specialty sub-brands |
| Read full review | Metromile review → | Kemper review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Metromile | Kemper |
|---|---|---|
| Customer experience | 3.40 | 3.30 |
| Coverage breadth | 3.30 | 3.60 |
| Affordability | 4.20 | 3.70 |
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
Kemper
Full review →Pros
- Strong specialty positioning for non-standard auto and Hispanic-market customers
- Quick online quoting with bilingual service in key markets
- Backed by parent company financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Kemper does not have a telematics program.
- Kemper does provide a mobile application, but its capabilities are restricted, and its website is sparse.
Coverage at a glance
What each carrier offers in standard policies.
Metromile
Kemper
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 reviewKemper
Kemper makes sense for non-standard risk or Spanish-language service needs in its core states. For standard-risk shoppers, mainstream carriers typically price more aggressively.
Read the full Kemper 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.