Auto Insurance Comparison
Metromile vs SafeAuto
Side-by-side comparison of Metromile vs SafeAuto auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Metromile comes out clearly ahead SafeAuto 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 | SafeAuto | |
|---|---|---|
| Overall score | 3.65 /5 ★★★★★ Highest overall | 3.15 /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 | SafeAuto's pitch is straightforward: minimum-coverage policies at competitive prices for drivers who need to be legal and not much more |
| Read full review | Metromile review → | SafeAuto review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Metromile | SafeAuto |
|---|---|---|
| Customer experience | 3.40 | 3.00 |
| Coverage breadth | 3.30 | 2.80 |
| 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
SafeAuto
Full review →Pros
- Among the cheapest options for state-minimum-only coverage
- Now backed by Allstate's financial strength
- Quick online quotes including SR-22 filings
Cons
- Limited coverage menu — designed primarily for minimum-coverage shoppers
- Customer satisfaction trends below industry average
- Available in only 25 states; not all customers get the same experience
Coverage at a glance
What each carrier offers in standard policies.
Metromile
SafeAuto
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 reviewSafeAuto
SafeAuto is the right answer if you genuinely only need state-minimum liability and price is the only factor. For anyone needing real coverage, this isn't the carrier.
Read the full SafeAuto 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.