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Metromile vs Next Insurance

Metromile logo

Metromile

Insurance

Pay-per-mile car insurance

From
On request
Rated
-
Full reviewWebsite
Next Insurance logo

Next Insurance

Insurance

Digital small business insurance with instant online quotes

From
$19/month
Rated
-
Full reviewWebsite

The short version

  • 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.; Next Insurance pricing varies by coverage type and business
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Metromile and Next Insurance differ
AttributeMetromileNext Insurance
Starting priceOn request$19/month
PlatformsWeb, Ios, AndroidWeb
Founded2011Unknown

Identical on both: pricing model (usage-based), 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 Metromile

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

Only in Next Insurance

Nothing recorded that Metromile does not also cover.

What people use each for

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

Metromile

  • Low-mileage drivingnot Next Insurance

Next Insurance

  • Obtaining customized insurance quotes for specific business typesnot Metromile
  • Purchasing general liability and workers' compensation coveragenot Metromile
  • Managing policies and accessing certificates of insurance onlinenot Metromile
  • Filing and tracking insurance claims with licensed advisorsnot 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.

Next Insurance

  • Pricing varies by coverage type and business
  • Quote obtained in less than 10 minutes

Pricing, plan by plan

Metromile

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

Next Insurance

$19/month
  • General Liability$19/month
    • Starting price for general liability insurance

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 Next Insurance if

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

Next Insurance review

Questions people ask

Is Metromile or Next Insurance better?
Neither clearly leads. Metromile starts at On request and Next Insurance at $19/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Metromile or Next Insurance?
Metromile starts at On request and Next Insurance at $19/month.
Does Metromile or Next Insurance run on more platforms?
Metromile runs on Web, Ios, Android. Next Insurance runs on Web.
What is Metromile best used for?
Metromile is most often used for low-mileage driving. Of those, low-mileage driving is not what Next Insurance is typically brought in for.
What can Metromile do that Next Insurance cannot?
Metromile covers Usage-based pricing, Per-mile tracking, Digital policy management, Mobile app.

Answered from the vendors’ own pages

Next Insurance: How much does NEXT Insurance cost?

NEXT Insurance general liability coverage starts at 19 dollars per month. The company provides customizable coverage through an AI-driven quote system. Discounts are available when you bundle multiple policies.

Source
Next Insurance: What types of coverage does NEXT offer?

NEXT offers general liability insurance, workers compensation, business owner's policy, professional liability, commercial property, commercial auto, tools and equipment, employment practices liability, product liability, and liquor liability insurance for 1300 plus business types.

Source
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