Auto Insurance Comparison
SECURA vs Metromile
Side-by-side comparison of SECURA vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
SECURA 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.
| SECURA | Metromile | |
|---|---|---|
| Overall score | 3.90 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | SECURA Insurance is a Wisconsin-based mutual operating across 13 states. | 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 | SECURA review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | SECURA | Metromile |
|---|---|---|
| Customer experience | 4.10 | 3.40 |
| Coverage breadth | 3.90 | 3.30 |
| Affordability | 3.70 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
SECURA
Full review →Pros
- Mutual structure with policyholder-aligned ownership
- Available across 13 states — moderate geographic reach
- Multi-line bundling discounts for home and auto combined
- Solid customer-satisfaction reputation in operating markets
Cons
- Limited geographic footprint outside its 13 operating states
- No online quoting — independent agents only
- Less brand recognition than national carriers
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.
SECURA
Metromile
The bottom line
SECURA
SECURA is a fine regional choice in its 13-state footprint, particularly for multi-line bundlers. Outside that footprint, it isn't an option.
Read the full SECURA 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.