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Insurance · head to head

Metromile vs Verisk

Metromile logo

Metromile

Insurance

Pay-per-mile car insurance

From
On request
Rated
-
Full reviewWebsite
Verisk logo

Verisk

Insurance

Insurance data, ISO forms and rating content that most American P&C products are built on

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.; Verisk the ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • They diverge on capability: Metromile covers Usage-based pricing, Verisk covers ISO forms and rating content.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Metromile and Verisk actually diverge.

Attributes where Metromile and Verisk differ
AttributeMetromileVerisk
Pricing modelusage-basedquote
PlatformsWeb, Ios, AndroidWeb, API, Windows
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 Verisk

  • ISO forms and rating content
  • ClaimSearch
  • Extreme event models
  • Property data
  • Xactimate
  • Underwriting analytics

What people use each for

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

Metromile

  • Low-mileage drivingnot Verisk

Verisk

  • A carrier filing standard commercial lines products that must use recognised forms and loss costsnot Metromile
  • A claims organisation checking submitted claims against the industry database for prior activitynot Metromile
  • A property insurer pricing catastrophe exposure for reinsurance placementnot Metromile
  • An MGA that needs bureau content without building and filing proprietary forms in every statenot 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.

Verisk

  • The ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • Pricing is negotiated separately per product and per line, and large insurers routinely find overlapping agreements across underwriting, claims and actuarial that nobody had counted together.
  • Circular updates to forms and loss costs must be loaded into your policy system on a schedule, which is recurring work that carriers with older platforms do partly by hand.
  • The breadth of the portfolio means account management is spread across product teams, so a problem in one service does not necessarily get attention from the people selling you another.
  • Usage-based components such as data prefill and claims searches make annual spend hard to forecast, and the variance lands in the year you grow fastest.

Pricing, plan by plan

Metromile

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

Verisk

On request
  • Verisk Insurance Solutions$undefined/year
    • ISO forms and loss cost licensing
    • Data and analytics services by line
    • API access

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 Verisk if

  • You need iso forms and rating content.
  • You work on Web, API, Windows.
  • You also want claimsearch.
Verisk review

Questions people ask

Is Metromile or Verisk better?
Neither clearly leads. Metromile starts at On request and Verisk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Metromile or Verisk?
Metromile starts at On request and Verisk at On request.
Does Metromile or Verisk run on more platforms?
Metromile runs on Web, Ios, Android. Verisk runs on Web, API, Windows.
What is Metromile best used for?
Metromile is most often used for low-mileage driving. Of those, low-mileage driving is not what Verisk is typically brought in for.
What can Metromile do that Verisk cannot?
Metromile covers Usage-based pricing, Per-mile tracking, Digital policy management, Mobile app. Verisk covers ISO forms and rating content, ClaimSearch, Extreme event models, Property data.

Answered from the vendors’ own pages

Verisk: Can a carrier avoid ISO content entirely?

Only by developing and filing proprietary forms and rates, which a handful of large insurers do. For everyone else the filing and legal cost of independence exceeds the licence.

Verisk: Is Xactimate part of Verisk?

Yes. It came with the Xactware acquisition and is the dominant property claims estimating tool in North America, used by carriers and by the contractors they pay.

Verisk: Did Verisk sell off businesses?

Yes. It divested non-insurance units including its energy research business in 2023 and refocused on insurance data and analytics.

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