Auto Insurance Comparison
Metromile vs Titan
Side-by-side comparison of Metromile vs Titan auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Metromile comes out clearly ahead Titan 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.
| Metromile | Titan | |
|---|---|---|
| Overall score | 3.65 /5 ★★★★★ Highest overall | 3.05 /5 ★★★★★ |
| Best for | 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 | Titan is a non-standard auto carrier that's now part of Nationwide's portfolio, specializing in SR-22 filings and drivers with adverse records |
| Read full review | Metromile review → | Titan review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Metromile | Titan |
|---|---|---|
| Customer experience | 3.40 | 2.90 |
| Coverage breadth | 3.30 | 2.80 |
| Affordability | 4.20 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
Titan
Full review →Pros
- Backed by Nationwide — solid financial strength for a non-standard carrier
- Strong SR-22 specialization
- Accepts profiles other carriers reject
Cons
- Customer satisfaction below industry averages
- Limited geographic footprint
- Not a fit for standard-risk drivers
Coverage at a glance
What each carrier offers in standard policies.
Metromile
Titan
The bottom line
Metromile
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 reviewTitan
Titan is worth a quote if you need SR-22 filing in the states it operates. Standard-risk drivers should shop mainstream first.
Read the full Titan 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.