Pay per mile: Metromile auto insurance review |

Pay per mile: Metromile auto insurance review

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Calling low-mileage drivers: Metromile could save you a bundle on auto insurance.

When you buy a car insurance policy, your provider assumes that you’re the typical American who drives every day.

But what about city dwellers who drive only on weekends — or even a mere few times a month? Metromile has a solution that can save low-mileage drivers money: pay-per-mile coverage.

Description Drive less, pay less: Metromile offers pay-per-mile driving that offers huge potential savings for low-mileage drivers. Available only to residents of California, Washington, Oregon, New Jersey and Illinois.
States served California, Illinois, Oregon, Pennsylvania, Virginia, Washington
Roadside assistance Optional
Pay schedule monthly
Claims methods online, phone
New car protection Yes, cars under 1 year old & 15,000 miles


  • Easy claims online or by phone
  • Handy driving app
  • Multi-car discounts
  • All miles over 250 per day are free


  • Limited service to only 7 states
  • Older vehicles excluded
  • Not all drivers eligible
Defensive driving discount No
Good student discount No
Loyalty discount No
Homeowner discount No
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No
Other discounts Pet injury coverage - provides pet coverage for vehicle accidents

What is Metromile?

Metromile is an auto insurance startup based in the heart of a city that’s difficult to drive in: San Francisco. Founded in 2011, Metromile is changing the way we shop for car insurance through its innovative approach and convenient online platform. This provider is designed to benefit urban drivers who typically don’t drive as much as their suburban counterparts, with what it calls “pay per mile” insurance.

With Metromile, you’re quoted a monthly base cost along with a fixed per-mile rate. You agree to transmit your mileage through its proprietary Metromile Pulse, a device that plugs into your car. Policies come with a 24/7 customer service and a claims team accessible through a full-service app.

Recommended provider


  • Pay by miles driven
  • Low base rates
  • Drive less, pay less


Drive less, pay less: Metromile offers pay-per-mile driving that offers huge potential savings for low-mileage drivers. Available only to residents of California, Washington, Oregon, New Jersey and Illinois.

  • Easy claims online or by phone
  • Handy driving app
  • Multi-car discounts
  • All miles over 250 per day are free

How does Metromile track my mileage?

When you sign up with Metromile, you’re sent the Metromile Pulse, a device that plugs into your car’s onboard diagnostic port. This device transmits your driving data to Metromile’s system, where it’s available for you to view and play with through the Metromile app. You can also use the app to pull up your insurance cards or policy documents, see where you last parked, learn about your car’s check-engine light and more.

Where is Metromile auto insurance available?

Metromile is a fairly new provider, so, unfortunately, it isn’t available everywhere. If you’re interested in getting auto insurance coverage with Metromile, you’ll need to live in one of the following states:

  • California
  • Illinois
  • New Jersey
  • Oregon
  • Pennsylvania
  • Virginia
  • Washington

Who is Metromile auto insurance best for?

Metromile is best suited for drivers who primarily use other means of transport, reserving their car use to a few hundred miles a month. With Metromile, you’re quoted a base rate in addition to a rate per mile that’s typically a few pennies. Monthly bills are adjusted to reflect that base price and the cost of your total miles driven in the previous month. Whether you’re looking for a convenient way to get coverage or don’t believe in paying more than you need to, Metromile’s unique approach makes it stand out from the rest.

What car insurance coverage does Metromile offer?

While its coverage options are designed for those who don’t rely heavily on their vehicles, policies are similar to what other providers offer:

  • Bodily injury. Covers costs related to injuries or deaths to other parties in the event of an accident that’s your fault.
  • Property damage. Covers damage to another person’s property from an accident
  • Uninsured Motorist Bodily Injury (UMBI). Covers medical costs for you and your passengers if the other person doesn’t have insurance
  • Underinsured Motorist Bodily Injury (UIMBI). Covers medical costs for you and your passengers if the other person doesn’t have enough coverage to cover them.
  • Medical payments. This can cover medical deductibles and copayments that aren’t covered by your health insurer if you’re in an accident.
  • Personal Injury Protection (PIP). Covers your medical costs regardless of who’s at fault for the accident.
  • Collision coverage. Pays for repairs to your vehicle after an accident, regardless if you are at fault.
  • Comprehensive coverage. Protects against damages that aren’t in your control, like fire, vandalism and theft.
  • Collision deductible waiver. If you’re in an accident with an at-fault driver who’s uninsured, your collision deductible will be waived
  • Underinsured Motorist Property Damage (UMPD). This type of coverage pays for damage to your vehicle if you’re hit by an uninsured or underinsured driver.

Discounts on Metromile auto insurance

Your rates are determined by the number of miles you actually drive, and according to Metromile, customers save an average of $500/year compared to other providers. Metromile also offers a multi-vehicle discount that reduces the base rate and per-mile rate for each vehicle you add to your policy.

Does Metromile offer any special programs?

  • Pet injury protection. Full coverage comes with up to $1,000 toward vet bills for your pets injured in an accident.
  • Rental reimbursement. Collision and comprehensive coverage also comes with up to $30 daily for up to 30 days to cover a replacement car while yours is in the shop.
  • Roadside assistance. This add-on can get you a tow truck or other help if you’re stranded on the road.
  • Mileage over 250 is free. You’ll only be charged for up to 250 miles per day.
  • Adjustable deductible. Choose between a $250, $500, or $1,000 deductible
  • Smart app. Metromile’s smart app offers car health updates, street sweeping alerts, access to ID cards and more.
  • Deductible-free glass repair. You won’t need to pay a deductible on your comprehensive coverage when repairing your windows.

Pros and cons of Metromile auto insurance


If you’re a sporadic driver who’s OK with tracking your mileage, you could save hundreds of dollars over traditional policies.

  • Easy claims. File a claim online or call a toll-free number to report your policy number, accident information, names and vehicles involved in your accident.
  • Handy driving app. A sweet app can track your trips, decode your car’s diagnostic codes and alert you to city-specific sweet-sweeping and parking reminders.
  • Multi-car discounts. Add more than one car to your quote to save on each car’s base and per-mile rates.


There’s a lot to like with Metromile. But it comes with plenty of restrictions at the moment.

  • Limited states. While Metromile plans to expand, it currently services only California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia or Washington.
  • Older vehicles excluded. Metromile’s mandatory mileage device excludes older vehicles that may not have a port to plug it in.
  • Not all drivers eligible. Underwriting guidelines could prevent some drivers from qualifying for pay-per-mile insurance.

Metromile auto insurance customer reviews

While Metromile has only been around since 2011, it has held an official accreditation on the BBB website since 2013. Additionally, it boasts an impressive A+ rating and 4.59/5 composite score backed by a long list of positive reviews, which are rare in the auto insurance industry.

However, there are a few negative reviews and customer complaints. Unhappy customers mention billing issues, trouble with communication, and extra charges. Even so, there are far fewer complaints than other providers.

How to apply for Metromile auto insurance

Metromile’s innovative approach to car insurance extends to its robust online platform, which allows customers to get a quote and purchase coverage instantly. Here’s how:

  1. Visit the Metromile home page and enter your zip code to get started
  2. Enter your name, address and birthdate
  3. Enter your vehicle information (Make, model, mileage, etc.) and click “Next step”
  4. Add driver information including marital status, employment info, etc.
  5. Select your desired policy options and verify that all information is correct
  6. Upload any necessary documents (license, etc.)
  7. If you’re satisfied with your quote, enter your payment details to pay for your policy.

If you’d rather apply by phone, you can reach Metromile at 1.888.964.4132.

How to file an auto insurance claim with Metromile

Just like applying for coverage, filing an auto insurance claim with Metromile is easy, and can be done online, via app or by phone.


  1. Visit the Metromile website and click the “Claims” option in the top right corner.
  2. Scroll down, then click “Start a claim”.
  3. Select “All other claims”, then select the incident from the drop-down menu.
  4. Select any and all options that apply to your situation, then click “Start”.
  5. Login to your Metromile account. If you’re not a Metromile customer, click “File a claim with a Metromile policy number.”
  6. Follow each of the steps and enter any necessary information when prompted. Here’s what you might need:
  • Incident details (What happened, date, location, etc.)
  • Vehicle information for all parties
  • Driver information for all parties
  • Insurance information for all parties (Policy number, insurer, etc.)
  • Contact information for all parties

Submit your claim. Once your claim is filed, you’ll be matched with a claims professional who can answer any questions and inform you about the next steps.

By phone:

Simply call (888) 595-5485 to speak with an agent who will walk you through the claims process.

How to contact Metromile

You can reach Metromile by phone, email, through social media, or online. Visit the contact page on the Metromile website for more details.

Does Metromile offer other types of insurance?

No, this startup is focused on rolling out pay-per-mile insurance in states with dense urban populations. If you’re looking for a provider that offers multiple types of coverage, you may want to look elsewhere.

Alternatives to Metromile

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Allstate Included free
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Bottom line

If you’re a city-slickin’ car owner who doesn’t drive much, look into this cool new startup to potentially save on your auto insurance. With an innovative business model and convenient online system, this provider might be a great choice if you’re looking to save. But if you prefer a more personal experience or don’t meet its eligibility requirements, you may want to compare your options to find a more suitable provider.

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