Metromile offered a pay-per-mile car insurance product aimed at drivers who log relatively few miles each year. This product may have been most suitable for those who worked from home and retirees.
Metromile tracked mileage through a device that was plugged into the vehicle and could collect information on miles driven, vehicle location and basic car health. Drivers who were comfortable with that sort of tracking device may also be comfortable with the telematics discount programs offered by other insurers.
Metromile historically had more complaints than expected relative to its size, according to state insurance regulator data. This suggests consumer dissatisfaction in areas like claims handling and customer service.
Since the acquisition, Metromile’s pay-per-mile insurance has been offered under the Lemonade brand in select states. Compare quotes from Lemonade, other insurers offering pay-per-mile and traditional car insurance companies that offer a discount through telematics programs to find the best Metromile alternative for you.
Alternatives to Metromile car insurance
 NerdWallet rating 3.5/5 |  NerdWallet rating 4.8/5 |  Not Rated |
Discounts Average set of discounts | Discounts Great set of discounts | Discounts Very few discounts |
Ease of use Above average | Ease of use Above average | Ease of use Above average |
NAIC complaints Far more than expected | NAIC complaints Fewer than expected | NAIC complaints Far more than expected |
Bottom line Lemonade prices coverage based on mileage and driving habits, depending on your state, with potentially lower rates if you drive infrequently and practice safe driving. | Bottom line Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers. | Bottom line Safe drivers may save with Root, which sets its rates primarily based on driving history, but its discount offerings are limited. |
Lemonade Car Insurance
Lemonade assumed Metromile’s pay-per-mile product and offers it in a few states. Eligible drivers can expect a similar product and service to what was available directly through Metromile.
» Read more: Lemonade Auto Insurance Review 2026
Nationwide Car Insurance
Nationwide’s SmartMiles coverage combines a base rate with mileage tracking, similar to what Metromile offered. However, Nationwide has broader availability and additional features, like a road trip exception that limits mileage charges on longer trips. Nationwide might be a better choice for drivers who don’t live in the states where Lemonade offers usage-based coverage and want more consideration for occasional long drives.
» Read more: Nationwide Auto Insurance Review 2026
Root Car Insurance
While Root doesn’t offer a strictly pay-per-mile car insurance, it does base pricing off of driving habits and miles driven. This product is best for drivers with safe driving habits.
» Read more: Root Auto Insurance Review 2026
Frequently asked questions
In which states does Metromile sell policies?
In which states does Metromile sell policies?
Metromile sells auto insurance in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington.
How do you file a claim with Metromile?
How do you file a claim with Metromile?
You can file a claim through the Metromile app, on the website or by calling 888-595-5485.
Does Metromile sell any other insurance products?
Does Metromile sell any other insurance products?
No, Metromile only sells auto insurance.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
