Software · head to head
Haven Life vs Metromile
The short version
- Only Haven Life has a free tier, so it costs nothing to try first.
- Each has a real cost: Haven Life stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs; 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: Haven Life covers Instant quotes, Metromile covers Usage-based pricing.
Where they differ
Only the attributes on which Haven Life and Metromile actually diverge.
| Attribute | Haven Life | Metromile |
|---|---|---|
| Starting price | Free | On request |
| Pricing model | freemium | usage-based |
| Free tier | Yes | No |
| Founded | 2016 | 2011 |
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 Haven Life
- Instant quotes
- No medical exam
- Fast underwriting
- Multiple term options
- Online application
- Digital policy delivery
- Policy management portal
- 24/7 accessibility
Only in Metromile
- Usage-based pricing
- Per-mile tracking
- Digital policy management
- Mobile app
- Safe driving rewards
- Quick claims
- Online support
- Policy customization
Both cover
- 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.
Haven Life
- Life insurance shoppingnot Metromile
- Family protectionnot Metromile
- Quick policy purchasenot Metromile
- Financial securitynot Metromile
Metromile
- Low-mileage drivingnot Haven Life
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Haven Life
- Stopped accepting new applications on 12 January 2024. MassMutual wound the business down, citing low consumer adoption and high customer acquisition costs
- havenlife.com now redirects to massmutual.com
- Existing policies remain valid and are administered by MassMutual, but the product cannot be bought
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 $56.
Pricing, plan by plan
Haven Life
Free- Quote ToolFree
- Instant quotes
- No medical exam
- Coverage customization
- Term Life Insurance$undefined/month
- 10, 20, or 30-year terms
- Fast underwriting
- Guaranteed rates
Metromile
On request- Standard Coverage$undefined/month
- Per-mile pricing
- Base monthly fee
- Liability coverage
Which should you pick?
Choose Haven Life if
- You need instant quotes.
- You want to start without paying.
- You work on Web, Ios, Android.
- You also want no medical exam.
Choose Metromile if
- You need usage-based pricing.
- You work on Web, Ios, Android.
- You also want per-mile tracking.
Questions people ask
- Is Haven Life or Metromile better?
- Neither clearly leads. Haven Life 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, Haven Life or Metromile?
- Haven Life has a free tier; the other does not. Paid plans start at Free for Haven Life and On request for Metromile.
- Does Haven Life 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 Haven Life for free?
- Yes. Haven Life has a free tier, so you can try it without paying. Metromile starts at On request.
- What is Haven Life best used for?
- Haven Life is most often used for life insurance shopping, family protection, quick policy purchase, financial security. Of those, life insurance shopping and family protection are not what Metromile is typically brought in for.
- What can Haven Life do that Metromile cannot?
- Haven Life covers Instant quotes, No medical exam, Fast underwriting, Multiple term options. Metromile covers Usage-based pricing, Per-mile tracking, Digital policy management, Mobile app. Both handle Data encryption, Cloud deployment, Web support, Ios support.
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