Auto Insurance Comparison
Selective vs Metromile
Side-by-side comparison of Selective vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Selective 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.
| Selective | Metromile | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Selective Insurance is a Northeast-rooted multi-line carrier where personal auto sits alongside a substantial commercial book | 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 | Selective review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Selective | Metromile |
|---|---|---|
| Customer experience | 3.90 | 3.40 |
| Coverage breadth | 4.00 | 3.30 |
| Affordability | 3.60 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Selective
Full review →Pros
- Strong claims-handling reputation across personal and commercial lines
- Multi-line bundling potential including commercial coverage
- Independent agent distribution with shopping flexibility
- Solid financial strength
Cons
- Geographic limitation — Northeast/Mid-Atlantic focus
- No online quoting — independent agents only
- Mid-market pricing in a competitive region
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.
Selective
Metromile
The bottom line
Selective
Selective is a fine regional choice in the Northeast and Mid-Atlantic, particularly for buyers bundling personal and commercial lines through an independent agent.
Read the full Selective 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.