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Insurance · head to head

Kin Insurance vs Metromile

Kin Insurance logo

Kin Insurance

Insurance

Home and auto insurance sold direct with pricing by address quote

From
On request
Rated
-
Full reviewWebsite
Metromile logo

Metromile

Insurance

Pay-per-mile car insurance

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Kin Insurance specific premium rates not disclosed; quote-based pricing only; 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.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Kin Insurance and Metromile actually diverge.

Attributes where Kin Insurance and Metromile differ
AttributeKin InsuranceMetromile
Pricing modelquoteusage-based
PlatformsWebWeb, Ios, Android
FoundedUnknown2011

Identical on both: starting price (On request), free tier (No), user rating (Not yet rated), category (Insurance).

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 Kin Insurance

Nothing recorded that Metromile does not also cover.

Only in Metromile

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

What people use each for

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

Kin Insurance

  • Homeowners insurancenot Metromile
  • Property coveragenot Metromile
  • Insurance comparison and quotesnot Metromile

Metromile

  • Low-mileage drivingnot Kin Insurance

Where each one falls short

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

Kin Insurance

  • Specific premium rates not disclosed; quote-based pricing only
  • Pricing varies by property address and coverage details

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

Kin Insurance

On request

No published plan breakdown. See the Kin Insurance review.

Metromile

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

Which should you pick?

Choose Kin Insurance if

Nothing in the data separates Kin Insurance from Metromile on the points above - pick on price and on how each one feels to use.

Kin Insurance 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 Kin Insurance or Metromile better?
Neither clearly leads. Kin Insurance starts at On request and Metromile at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Kin Insurance or Metromile?
Kin Insurance starts at On request and Metromile at On request.
Does Kin Insurance or Metromile run on more platforms?
Kin Insurance runs on Web. Metromile runs on Web, Ios, Android.
What is Kin Insurance best used for?
Kin Insurance is most often used for homeowners insurance, property coverage, insurance comparison and quotes. Of those, homeowners insurance and property coverage are not what Metromile is typically brought in for.
What can Kin Insurance do that Metromile cannot?
Metromile covers Usage-based pricing, Per-mile tracking, Digital policy management, Mobile app.

Answered from the vendors’ own pages

Kin Insurance: How much does Kin Insurance cost?

Kin Insurance does not publish standard rates. To get pricing, enter your property address on the website or call 855-717-0022 for a personalized quote.

Source
Kin Insurance: How can I compare Kin Insurance pricing?

Kin Insurance provides quote-based pricing customized to individual properties and coverage needs. Contact their sales team at 855-717-0022 or use their online quote tool.

Source
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