Softwr

Software · head to head

Bold Penguin vs Metromile

Bold Penguin logo

Bold Penguin

Software

Business insurance marketplace for brokers

From
Free
Rated
-
Full reviewWebsite
Metromile logo

Metromile

Software

Pay-per-mile car insurance

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Bold Penguin has a free tier, so it costs nothing to try first.
  • Each has a real cost: Bold Penguin sold to brokers, carriers and MGAs rather than to the businesses buying insurance; Metromile the Internet Archive's capture of Metromile's homepage on 2 January 2021 stated rates start at $29/month plus a few cents per mile driven, with all miles over 250 per day (150 in New Jersey) free of charge; example given was $29 base plus 450 miles at 6 cents equaling $56.
  • They diverge on capability: Bold Penguin covers Multi-carrier quoting, Metromile covers Usage-based pricing.

Where they differ

Only the attributes on which Bold Penguin and Metromile actually diverge.

Attributes where Bold Penguin and Metromile differ
AttributeBold PenguinMetromile
Starting priceFreeOn request
Pricing modeltransactionusage-based
Free tierYesNo
Founded20192011

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Bold Penguin

  • Multi-carrier quoting
  • Instant quotes
  • Online binding
  • Customer portal
  • Commission tracking
  • API access
  • Reporting
  • Multiple carriers

Only in Metromile

  • Usage-based pricing
  • Per-mile tracking
  • Digital policy management
  • Safe driving rewards
  • Quick claims
  • Online support
  • Policy customization
  • Dashboard device

Both cover

  • Mobile app
  • Data encryption
  • Cloud deployment
  • Web support
  • Ios support
  • Android support
  • English language support

What people use each for

The jobs each tool is most often brought in to do.

Bold Penguin

  • Routing and triaging commercial insurance submissionsnot Metromile
  • Automating submission to bind through the Terminal platformnot Metromile
  • Handling complex middle market submissions with SubmissionLinknot Metromile
  • Policy checking with ClauseLinknot Metromile

Metromile

  • Low-mileage drivingnot Bold Penguin

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Bold Penguin

  • Sold to brokers, carriers and MGAs rather than to the businesses buying insurance
  • Pricing is not published

Metromile

  • The Internet Archive's capture of Metromile's homepage on 2 January 2021 stated rates start at $29/month plus a few cents per mile driven, with all miles over 250 per day (150 in New Jersey) free of charge; example given was $29 base plus 450 miles at 6 cents equaling $56.

Pricing, plan by plan

Bold Penguin

Free
  • Broker AccessFree
    • Multi-carrier quotes
    • Instant quoting
    • Commission tracking

Metromile

On request
  • Standard Coverage$undefined/month
    • Per-mile pricing
    • Base monthly fee
    • Liability coverage

Which should you pick?

Choose Bold Penguin if

  • You need multi-carrier quoting.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want instant quotes.
Bold Penguin review

Choose Metromile if

  • You need usage-based pricing.
  • You work on Web, Ios, Android.
  • You also want per-mile tracking.
Metromile review

Questions people ask

Is Bold Penguin or Metromile better?
Neither clearly leads. Bold Penguin starts at Free and Metromile at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bold Penguin or Metromile?
Bold Penguin has a free tier; the other does not. Paid plans start at Free for Bold Penguin and On request for Metromile.
Does Bold Penguin or Metromile run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Bold Penguin for free?
Yes. Bold Penguin has a free tier, so you can try it without paying. Metromile starts at On request.
What is Bold Penguin best used for?
Bold Penguin is most often used for routing and triaging commercial insurance submissions, automating submission to bind through the terminal platform, handling complex middle market submissions with submissionlink, policy checking with clauselink. Of those, routing and triaging commercial insurance submissions and automating submission to bind through the terminal platform are not what Metromile is typically brought in for.
What can Bold Penguin do that Metromile cannot?
Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal. Metromile covers Usage-based pricing, Per-mile tracking, Digital policy management, Safe driving rewards. Both handle Mobile app, Data encryption, Cloud deployment, Web support.
ShareXLinkedInRedditWhatsAppEmail

Related pages

More on Bold Penguin

More on Metromile

Keep looking

Other head to heads