Auto Insurance Comparison
Travelers vs Metromile
Side-by-side comparison of Travelers vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Travelers 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.
| Travelers | Metromile | |
|---|---|---|
| Overall score | 4.25 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Travelers is the carrier most often picked by drivers who'd rather pay a bit more for confidence in the claims process | 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 | Travelers review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Travelers | Metromile |
|---|---|---|
| Customer experience | 4.40 | 3.40 |
| Coverage breadth | 4.70 | 3.30 |
| Affordability | 3.60 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Travelers
Full review →Pros
- One of the bundling choices offered by Travelers is house, vehicle, and pet insurance.
- Lots of discount opportunities
- A range of benefits for environmentally conscious homes
Cons
- Base premiums typically run above GEICO and Progressive for most driver profiles
- Less competitive specifically for young drivers and high-risk profiles
- Agent availability varies by region — Travelers leans on independent agents rather than captive offices
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.
Travelers
Metromile
The bottom line
Travelers
If you've had a frustrating claims experience with a low-cost carrier and you're ready to pay a bit more for service depth, Travelers is the right next stop. It's not the cheapest option, but it's one of the most reliable.
Read the full Travelers 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.