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How to cancel Metromile car insurance

With this tech-savvy insurer, canceling your coverage is an easy, fee-free process.

Aimed at city dwellers in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington, Metromile’s pay-as-you-drive model is simple and canceling your coverage is easy and free. No matter where you live, you can end your policy by phone, email or mail.

Can I cancel my Metromile policy anytime?

Yes. You have the right to cancel your policy at any time. Just be sure your new policy is in effect so you don’t end up with a lapse in coverage.

If you’re insured with Metromile, you only pay for the miles you drive. That’s why it’s not a huge hassle to cancel your policy. Once you let an agent know that you’d like to drop your coverage, they’ll begin processing your request.Like most insurers, Metromile doesn’t charge a cancellation fee.

While you can cancel your car insurance at any time, it’s a legal requirement in most states. If you’re planning to get back behind the wheel, have a new policy in place to avoid being penalized for driving uninsured.

How do I avoid paying Metromile’s cancellation fees?

Metromile doesn’t charge a cancellation fee, so you’re off the hook. However, you’ll need to mail your Metromile Pulse device back using the pre-paid envelope provided, or you’ll pay a $100 fee.

How do I cancel my policy?

As a tech start-up, Metromile makes managing your policy easy. When it comes to canceling, the company encourages you to call customer service during business hours. If you’d rather skip the sales pitch, you can send an email or mail in a written notice, but keep in mind that Metromile may still contact you to confirm cancellation.

Info you’ll need to cancel your policy

When you call or write to cancel, include the following information:

  • Your name, address, phone number and date of birth
  • Your Social Security number
  • Your driver’s license number
  • Your policy number
  • The date you’d like your coverage to end
  • Your dated signature if sending a letter

Cancel by phone

To cancel your coverage over the phone, call the customer service line at 888-244-1702, Monday through Friday from 6 a.m. to 6 p.m. PT. You’ll be connected with a representative, who’ll ask for your personal information and policy number before terminating your policy.

Depending on where you live, you may also need to inform the DMV that you’ve canceled or changed your car insurance. While you’re on the phone, ask your agent if that rule applies to your state.

Cancel by email

Unlike many insurers, Metromile gives customers the option to cancel via email. Email the details listed above. Remember, your policy is only canceled upon confirmation, so don’t assume that you’re done and dusted once you click send. Be sure to follow up with customer service if you haven’t heard back within a couple of days.

Cancel by mail

There’s also the old school route. You can mail a written notice to the insurer’s headquarters in San Francisco, California. Sign and date a letter with the same information, and send to:

  • Metromile Insurance
  • 690 Folsom St, Suite 200
  • San Francisco, California 94107

Aim to send the letter at least three weeks before you want your coverage to end. This will allow time for shipping, processing and delays.

What’s the best way to cancel Metromile car insurance?

The most seamless way to cancel your coverage is to jump on the phone. When you’re connected to an agent, the process takes a matter of minutes, though you may be asked why you want to leave the provider. If you’d rather hide behind a screen, you can email customer service or send a written notice via snail mail.

How can I confirm my Metromile policy is canceled?

You’ll receive a final notice confirming the cancellation via email and in the mail. If you canceled over the phone, it’s effective immediately. If you canceled by email or mail and haven’t heard back from anyone about a confirmation, you may want to follow up with customer service to make sure they don’t need any additional information to process your cancellation.

When is the best time to cancel or switch car insurance?

In terms of timing, it’s best to cancel or switch your policy three to four weeks before it’s up for renewal. That way, you have time to compare the best car insurance companies, pick one that caters to your needs and qualify for any early shopper discounts.

It’s also a good idea to reassess your coverage if your circumstances have changed. For example, if you bought a home or got married, a new provider might bundle your policies for a discount. If you changed cars or improved your credit rating, you can probably score a better rate. And if you’re moving states, it’s worth looking into the auto insurance laws to make sure you’re properly protected. You could get more suitable coverage with another carrier.

What should I consider before canceling my policy with Metromile?

  • Will there be a gap in my coverage? To avoid a lapse in your car insurance coverage, buy a new policy before you drop the old one. The day your old insurance ends is the day your new policy should start. Otherwise, you’ll not only have to pay out-of-pocket if you cause an accident, but you’ll probably face higher premiums in the future.
  • Will I have to pay extra for canceling before my policy expires? Metromile doesn’t charge a cancellation fee, but your new and old policies may overlap. This means you might end up paying double, so work out if it makes more financial sense to hold off.
  • Are there state laws on proving coverage? Unless you live in New Hampshire or Virginia, it’s illegal to drive without car insurance.
  • Will I lose the perks that come with my policy? Metromile’s pay-as-you-drive model is attractive for those who don’t drive often or long distances. If you drive less than 200 miles per week, it’s worth comparing similar providers to figure out if you’re getting the best deal. Also, most insurers offer a discount to new customers, but on the flipside, your current carrier might reward you with loyalty or renewal discounts.
  • Do I have any major life changes coming up? If you’re getting married, moving or buying a home soon, consider waiting to switch providers so you can score a better rate or bundle policies.

Should I cancel or adjust my policy?

If you’re not happy with your coverage, rate, customer service or claims process, you might want to cancel outright. After all, your insurance should suit your needs; if it doesn’t, there’s no point keeping that provider around. With Metromile, your coverage stops as soon as your cancellation is confirmed, and you won’t be saddled with a fee for that.

Pay-per-mile policies were once revolutionary, but now, more and more companies are offering this kind of coverage. If you like the model, compare providers and assess them against your driving needs.

There are benefits to staying with your provider, too. Metromile has a solid discounts program, so it’s worth asking an agent about ways to cut down on costs.

Ready to cancel? Compare Metromile to other providers

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Bottom line

If you’re insured through Metromile, it’s easy to cancel coverage at any time. You can terminate your policy with no fee by phone, email or mail and stop paying for your pay-per-mile coverage.

Before canceling your policy, compare car insurance providers to have a new policy in place.

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