Auto Insurance Comparison
Safety vs Metromile
Side-by-side comparison of Safety vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Safety comes out clearly 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.
| Safety | Metromile | |
|---|---|---|
| Overall score | 4.00 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Safety Insurance has been a Massachusetts mainstay since 1979 and competes seriously in MA, NH, and ME | 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 | Safety review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Safety | Metromile |
|---|---|---|
| Customer experience | 4.20 | 3.40 |
| Coverage breadth | 4.00 | 3.30 |
| Affordability | 3.80 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Safety
Full review →Pros
- Strong Massachusetts market presence with deep regulatory expertise
- Solid customer satisfaction reputation in operating states
- Competitive bundling discounts when combined with home insurance
- Local agent network with strong state-specific knowledge
Cons
- Only available in MA, NH, and ME
- Mid-market pricing, not a low-cost option
- Limited national brand recognition
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.
Safety
Metromile
The bottom line
Safety
Safety is a fine choice for Massachusetts drivers in particular. Outside MA/NH/ME, it isn't relevant.
Read the full Safety 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.