Auto Insurance Comparison
Metromile vs National General
Side-by-side comparison of Metromile vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Metromile edges ahead National General 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 | National General | |
|---|---|---|
| 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 | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Metromile review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Metromile | National General |
|---|---|---|
| Customer experience | 3.40 | 3.40 |
| Coverage breadth | 3.30 | 3.70 |
| Affordability | 4.20 | 3.60 |
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
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Coverage at a glance
What each carrier offers in standard policies.
Metromile
National General
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 reviewNational General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General 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.