Auto Insurance Comparison
Safeco vs Metromile
Side-by-side comparison of Safeco vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Safeco 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.
| Safeco | Metromile | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Safeco Insurance is Liberty Mutual's independent-agent brand — same parent company, different distribution model | 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 | Safeco review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Safeco | Metromile |
|---|---|---|
| Customer experience | 3.60 | 3.40 |
| Coverage breadth | 4.00 | 3.30 |
| Affordability | 3.50 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Safeco
Full review →Pros
- Shoppers hunting for deals.
- Those who drive passengers for profit (in certain states)
- Those searching for a house and vehicle insurance package
Cons
- People who want to get the best customer service and claims experience available
- People who decline to bundle their coverage
- People only interested in basic coverage
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.
Safeco
Metromile
The bottom line
Safeco
Safeco is a fine choice if you're working with an independent agent — they can compare it against other carriers in real time. Direct shoppers will get the same financial backing through Liberty Mutual.
Read the full Safeco 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.