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Insurance · head to head

Metromile vs Semsee

Metromile logo

Metromile

Insurance

Pay-per-mile car insurance

From
On request
Rated
-
Full reviewWebsite
Semsee logo

Semsee

Insurance

Small commercial insurance quoting that sends one submission to many carriers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Semsee 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.; Semsee the free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • They diverge on capability: Metromile covers Usage-based pricing, Semsee covers Single submission to many carriers.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Metromile and Semsee actually diverge.

Attributes where Metromile and Semsee differ
AttributeMetromileSemsee
Starting priceOn requestFree
Pricing modelusage-basedPer user per month
Free tierNoYes
PlatformsWeb, Ios, AndroidWeb
Founded2011Unknown

Identical on both: 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 Semsee

  • Single submission to many carriers
  • Appetite checker
  • Class code finder
  • Direct appointment quoting
  • ACORD forms
  • Auto-fill
  • Proposal generation
  • Wholesale and MGA access

What people use each for

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

Metromile

  • Low-mileage drivingnot Semsee

Semsee

  • A personal lines agency starting to write small commercial that has no commercial appointments and needs market access without meeting carrier production requirementsnot Metromile
  • A retail agency quoting twenty BOP submissions a month that is losing hours retyping the same risk into six carrier portalsnot Metromile
  • A wholesaler that wants a structured intake form so retail agents stop sending incomplete submissions by emailnot Metromile
  • An agency checking appetite before spending time on a submission that no carrier on its panel will writenot 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.

Semsee

  • The free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • Carrier coverage is concentrated in small commercial lines such as BOP, general liability and workers compensation, so anything with real complexity still goes to the carrier portal or the underwriter by email.
  • Quotes returned are indicative for many carriers and still subject to underwriting referral, so an agent can present a number to a client and see it change at bind, which damages trust.
  • The March 2026 acquisition by iBynd puts the product inside a wider distribution platform, and buyers should expect priority to shift towards iBynd's end-to-end ambitions rather than incremental improvements to standalone quoting.
  • Agency management system integration is limited, so quote and policy data frequently has to be re-entered into the AMS after binding, which reintroduces the duplicate entry the product exists to remove.

Pricing, plan by plan

Metromile

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

Semsee

Free
  • EssentialFree
    • Access to the Semsee carrier panel
    • Appetite checker
    • ACORD form generation
  • Professional$50/month
    • Everything in Essential
    • Quote your own direct appointed carriers
    • Class code finder
  • Enterprise$undefined/month
    • White labelled deployment
    • Advanced workflow
    • Carrier and MGA distribution features

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 Semsee if

  • You need single submission to many carriers.
  • You want to start without paying.
  • You also want appetite checker.
Semsee review

Questions people ask

Is Metromile or Semsee better?
Neither clearly leads. Metromile starts at On request and Semsee at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Metromile or Semsee?
Semsee has a free tier; the other does not. Paid plans start at On request for Metromile and Free for Semsee.
Does Metromile or Semsee run on more platforms?
Metromile runs on Web, Ios, Android. Semsee runs on Web.
Can I use Semsee for free?
Yes. Semsee 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 Semsee is typically brought in for.
What can Metromile do that Semsee cannot?
Metromile covers Usage-based pricing, Per-mile tracking, Digital policy management, Mobile app. Semsee covers Single submission to many carriers, Appetite checker, Class code finder, Direct appointment quoting.

Answered from the vendors’ own pages

Semsee: Is Semsee free?

The Essential tier is genuinely free and gives access to Semsee's own carrier panel. Quoting your own direct appointments requires the Professional tier at fifty dollars per user per month.

Semsee: Do I need carrier appointments to use it?

No. That is the main reason small agencies sign up, since Semsee's panel provides market access without production commitments.

Semsee: Is Semsee still independent?

No. iBynd acquired Semsee in March 2026, though the product is still sold under the Semsee name.

Semsee: Which lines does it cover?

Small commercial: business owners policy, general liability, workers compensation, commercial auto and some professional liability, depending on carrier.

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