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Last reviewed: May 20, 2026

Auto Insurance Review

Published: May 20, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Metromile Auto Insurance Review

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. Acquired by Lemonade in 2022, the brand is being integrated into Lemonade's broader insurance platform.

Headquarters
1501 W. Fountainhead Pkwy, Suite 200, Tempe, AZ 85282
Website
www.metromile.com
Phone
888-311-2909

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Key takeaways

Metromile pioneered pay-per-mile auto insurance — you pay a base rate plus a few cents per mile driven.

— QuoteYeti editorial team
  1. 02 Best fit for low-mileage drivers (under ~10,000 miles per year). For higher-mileage drivers, the math doesn't work.
  2. 03 Acquired by Lemonade in 2022; now part of Lemonade's auto offering.

Metromile ratings

Overall score
Customer experience 3.40/5
Coverage breadth 3.30/5
Affordability 4.20/5

Pros and cons

Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.

What's working

  • Top pro Low-mileage drivers
  • Drivers looking for lower rates
  • Drivers who value technology-focused insurance 

What's not

  • Top con High-mileage drivers
  • Those who want to bundle insurance types
  • Drivers who want a robust set of coverage options

Our verdict

The bottom line

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.
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