Auto Insurance Comparison
Metromile vs Root
Side-by-side comparison of Metromile vs Root auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Metromile is essentially tied with Root 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 | Root | |
|---|---|---|
| Overall score | 3.65 /5 ★★★★★ Highest overall | 3.60 /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 | Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, and Root prices your policy based on actual driving behavior |
| Read full review | Metromile review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Metromile | Root |
|---|---|---|
| Customer experience | 3.40 | 3.50 |
| Coverage breadth | 3.30 | 3.50 |
| Affordability | 4.20 | 3.80 |
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
Root
Full review →Pros
- Low-mileage drivers
- Drivers who do everything to keep themselves safe on the road
- Prospective customers want to save on renters and vehicle insurance.
Cons
- high-risk drivers in the high-risk categories.
- Insurance agents who prioritize work
- drivers who seek a comprehensive insurance plan
Coverage at a glance
What each carrier offers in standard policies.
Metromile
Root
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 reviewRoot
Root is worth trying if you're a genuinely safe driver who's comfortable with a 3-week test and digital-only service. If you need immediate coverage or prefer human agents, look elsewhere.
Read the full Root 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.