Auto Insurance Comparison
Texas Farm Bureau vs Metromile
Side-by-side comparison of Texas Farm Bureau vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Texas Farm Bureau 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.
| Texas Farm Bureau | Metromile | |
|---|---|---|
| Overall score | 4.05 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Texas Farm Bureau Insurance is widely regarded as one of the cheapest legitimate auto insurance options in Texas for drivers who qualify | 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 | Texas Farm Bureau review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Texas Farm Bureau | Metromile |
|---|---|---|
| Customer experience | 4.30 | 3.40 |
| Coverage breadth | 3.80 | 3.30 |
| Affordability | 4.00 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Texas Farm Bureau
Full review →Pros
- Among the cheapest auto rates in Texas for clean-record drivers
- Texas-specific expertise and deep local agent network
- Strong customer satisfaction reputation in-state
- Multi-line bundling with home and life insurance
Cons
- Texas-only — not available in any other state
- Farm Bureau membership required (modest annual fee)
- No online quoting — agent-distributed
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.
Texas Farm Bureau
Metromile
The bottom line
Texas Farm Bureau
Texas residents with clean records should absolutely get a Texas Farm Bureau quote. It's frequently the cheapest legitimate option in the state.
Read the full Texas Farm Bureau 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.