Auto Insurance Comparison
Westfield vs Metromile
Side-by-side comparison of Westfield vs Metromile auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Westfield 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.
| Westfield | Metromile | |
|---|---|---|
| Overall score | 3.90 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | Westfield Insurance is an Ohio-rooted mutual operating in 10 states across the Midwest and South | 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 | Westfield review → | Metromile review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Westfield | Metromile |
|---|---|---|
| Customer experience | 4.00 | 3.40 |
| Coverage breadth | 4.00 | 3.30 |
| Affordability | 3.70 | 4.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Westfield
Full review →Pros
- Mutual structure with long operating history (1848)
- Solid claims-handling and customer satisfaction reputation
- Multi-line bundling — auto, home, umbrella, business
- Independent agent distribution with state-specific expertise
Cons
- Available in 10 Midwest/South states only
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget option
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.
Westfield
Metromile
The bottom line
Westfield
Westfield is a solid regional in its 10-state footprint, particularly for multi-line bundling. Outside that footprint, it isn't an option.
Read the full Westfield 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.