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Metromile vs Bold Penguin

Metromile logo

Metromile

Software

Pay-per-mile car insurance

From
On request
Rated
-
Full reviewWebsite
Bold Penguin logo

Bold Penguin

Software

Business insurance marketplace for brokers

From
Free
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: 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.; Bold Penguin sold to brokers, carriers and MGAs rather than to the businesses buying insurance
  • They diverge on capability: Metromile covers Usage-based pricing, Bold Penguin covers Multi-carrier quoting.

Where they differ

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

Attributes where Metromile and Bold Penguin differ
AttributeMetromileBold Penguin
Starting priceOn requestFree
Pricing modelusage-basedtransaction
Free tierNoYes
Founded20112019

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 Metromile

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

Only in Bold Penguin

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

Both cover

  • Mobile app
  • 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.

Metromile

  • Low-mileage drivingnot Bold Penguin

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

Where each one falls short

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

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.

Bold Penguin

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

Pricing, plan by plan

Metromile

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

Bold Penguin

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

Which should you pick?

Choose Metromile if

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

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

Questions people ask

Is Metromile or Bold Penguin better?
Neither clearly leads. Metromile starts at On request and Bold Penguin at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Metromile or Bold Penguin?
Bold Penguin has a free tier; the other does not. Paid plans start at On request for Metromile and Free for Bold Penguin.
Does Metromile or Bold Penguin 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 Metromile best used for?
Metromile is most often used for low-mileage driving. Of those, low-mileage driving is not what Bold Penguin is typically brought in for.
What can Metromile do that Bold Penguin cannot?
Metromile covers Usage-based pricing, Per-mile tracking, Digital policy management, Safe driving rewards. Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal. Both handle Mobile app, Mobile app, Data encryption, Cloud deployment.
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