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Insurance · head to head

Metromile vs Openly

Metromile logo

Metromile

Insurance

Pay-per-mile car insurance

From
On request
Rated
-
Full reviewWebsite
Openly logo

Openly

Insurance

Customizable homeowners insurance sold only through independent agents

From
On request
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.; Openly available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Metromile and Openly actually diverge.

Attributes where Metromile and Openly differ
AttributeMetromileOpenly
Pricing modelusage-basedquote
PlatformsWeb, Ios, AndroidWeb
Founded2011Unknown

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 Metromile

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

Only in Openly

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 Openly

Openly

  • Getting home insurance quotes with guaranteed replacement cost coveragenot Metromile
  • Customizing homeowners insurance policies with specific coverage limitsnot Metromile
  • Filing and managing property damage claims through digital workflowsnot Metromile
  • Accessing insurance coverage across multiple US states through independent agentsnot 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.

Openly

  • Available in only 24 states as of August 2026, with Nevada still listed as coming soon
  • Policies are not sold directly to consumers; coverage must be obtained through an independent agent, as of August 2026

Pricing, plan by plan

Metromile

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

Openly

On request

No published plan breakdown. See the Openly review.

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 Openly if

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

Openly review

Questions people ask

Is Metromile or Openly better?
Neither clearly leads. Metromile starts at On request and Openly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Metromile or Openly?
Metromile starts at On request and Openly at On request.
Does Metromile or Openly run on more platforms?
Metromile runs on Web, Ios, Android. Openly 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 Openly is typically brought in for.
What can Metromile do that Openly cannot?
Metromile covers Usage-based pricing, Per-mile tracking, Digital policy management, Mobile app.

Answered from the vendors’ own pages

Openly: How much does Openly cost?

Openly does not publish pricing on its website. The company operates through independent agency partners who provide customized quotes. To obtain coverage pricing, customers must contact a local independent agent or request a quote through mylifeprotected.com/openly.

Source
Openly: What is Openly's pricing model?

Openly uses a partnership model rather than direct sales. Insurance policies are sold through independent agency partners, with pricing determined on a case-by-case basis through customized quotes.

Source
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