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Metromile car insurance review Jul 2020

Last updated:  

Cheap rates based on how much you drive’s rating: 5.0 / 5.0


  • Get a quote if you don’t drive much or you’re a safe driver.
  • Pick something else if you drive a lot or don’t want to deal with an app.
  • Good drivers will save the most


Roadside assistance

New car protection

Accident forgiveness


States served Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, Washington
Roadside assistance Optional
Pay schedule monthly
Claims methods online, phone
New car protection Yes
Accident forgiveness No
Rideshare coverage No (they used to offer the service but they are no longer accepting new applications)
SR-22 Yes


  • Rates from $29/month plus pennies per mile
  • Low-mileage drivers could save $611/year
  • All miles over 250 a day are free
  • Easy app and online claims plus 24/7 support


  • Limited service to only 7 states
  • Older vehicles excluded
  • Not all drivers eligible
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount No
Good student discount No
Loyalty discount No
Homeowner discount No
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount Yes

Expert review

Kelly Waggoner

Review by

Kelly Waggoner is editor-in-chief at Finder US. She's worked with publishers, magazines and nonprofits throughout New York City, including ghostwriting a how-to on copyediting for the Dummies series. Between projects, she toys with words, flips through style guides and fantasizes about the serial comma's world domination.

Expert review

If you’re a car owner who doesn’t drive much, look into this cool new startup to 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. You’re quoted a base rate in addition to a rate per mile that’s typically a few pennies, and you’re only charged based on the miles you actually drove each month.

Not everyone will find a good deal with Metromile though. Commuters with a long drive might not save much, and drivers who aren’t as careful on the road might not qualify.

Best of 2020
Finder experts pick Metromile as a 2020 best brand for car insurance.

Who is Metromile auto insurance best for?

Metromile is best suited for safe drivers or those who don’t drive much. 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.

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.

Have an older car? The plug-in device can be retrofitted for older cars with an extra adapter for your car’s cigarette lighter.

Metromile car insurance application process

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.
  • Underinsured motorist bodily injury. Covers medical costs for you and your passengers if the other person doesn’t have insurance.
  • Underinsured motorist property damage. This type of coverage pays for damage to your vehicle if you’re hit by an uninsured or underinsured driver.
  • Medical payments. This can cover medical deductibles and copays that aren’t covered by your health insurer if you’re in an accident.
  • Personal injury protection. 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 of if you are at fault.
  • Comprehensive coverage. Protects against damages that aren’t in your control, like fire, vandalism and theft.

What extra benefits and add-ons does Metromile offer?

Metromile also offers some perks and add-ons you might like.

  • Mileage over 250 is free. You’ll only be charged for up to 250 miles per day. So if you go on a trip, there’s no need to worry.
  • Roadside assistance. This add-on can get you a tow truck or other help if you’re stranded on the road.
  • 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.
  • Pet injury protection. Full coverage comes with up to $1,000 toward vet bills for your pet is injured in an accident.
  • Deductible-free glass repair. You won’t need to pay a deductible on your comprehensive coverage when repairing your windows.
  • Smart app. Metromile’s smart app offers car health updates, street sweeping alerts, access to ID cards and more.
  • Collision deductible waiver. If you’re in an accident with an at-fault driver who’s uninsured, your collision deductible will be waived.

What discounts can I get with Metromile?

Metromile doesn’t offer the typical discounts that traditional insurance providers offer. However, according to Metromile, customers save an average of $611 per year compared to other providers because of its unique per-mile system.

Metromile does offer a multi-vehicle discount that reduces the base rate and per-mile rate for each vehicle you add to your policy.

Ready to get insured?
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.

Need help? Talk to a customer specialist


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.

  • Pay for your actual use. Your rate is based on how much you use your car and how well you drive, not any risk assumptions based on your age, gender or other demographics.
  • 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. The sweet app can track your trips, decode your car’s diagnostic codes and alert you to city-specific street-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 Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington.
  • Older vehicles excluded. Metromile’s mandatory mileage device excludes older vehicles that may not have a port to plug it into.
  • Not all drivers eligible. Underwriting guidelines could prevent some drivers from qualifying for pay-per-mile insurance.

How to apply for Metromile car 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.

  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 (888) 964-4132.

Metromile reviews and complaints

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.

Other comparison sites like NerdWallet and ValuePenguin agree Metromile can save low-mileage drivers a lot of dough and that it’s easy to use the app and get covered. They’re also quick to point out Metromile’s flaws for people who drive a lot, aren’t available in Metromile’s coverage area or don’t have the best driving record.

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 contact Metromile

You can reach Metromile by phone or by filling out an online email form on its website.

  • To get a quote call 1-888-242-5204
  • To get customer support call 1-888-311-2920
  • To file a claim call 1-888-595-5484 or go to

Metromile’s cancellation policy

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 type of insurance 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.

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 insurance, you may want to look elsewhere.

Compare Metromile to competitors

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Common questions about Metromile

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

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