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Mile Auto car insurance review

This pay-per-mile policy helps low-mileage drivers save money while respecting data privacy.

finder.com's rating: 4.5 / 5

★★★★★

  • Get a quote if you’re a low-mileage driver that lives within the service area
  • Pick something else if you prefer a brand with more customer ratings
  • Low-mileage drivers get the best savings

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served Illinois, Oregon
Roadside assistance Optional
Accident forgiveness No
New car protection No
Pay schedule monthly
Claims methods phone
Rideshare coverage No
SR-22 support

Pros

  • Savings for low-mileage driving
  • No tracking devices needed
  • Your choice of repair shops

Cons

  • Illinois and Oregon only
  • Basic coverage options
  • No discounts
  • No online account
  • Lack of website info
Anti-theft device discount No
Bundling discount No
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 None

Review by


Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Mile Auto is a small car insurance brand created to help low-mileage drivers in Arizona, Illinois, Georgia and Oregon. It offers the only pay-per-mile policy that doesn’t require you to track your mileage with a device or app installed in your car.

That means you can benefit from this policy even if you don’t like using many tech-y features or sharing your driving data.

However, Mile Auto doesn’t offer much optional coverage, and you’ll also pay extra service charges on your monthly bill with no option to bypass these fees. If you’re not comfortable trusting a little-known brand for accident protection, you may want shop around for insurers with more customer reviews and ratings to back them up.

That said, Mile Auto’s coverage is plenty for casual driving, and you could benefit from hundreds of dollars in yearly savings if you drive less than 10,000 miles a year. This policy may work well for full-time students, remote workers, empty-nesters or senior citizens that live within this insurer’s small service area.

How to get a free quote for Mile Auto car insurance

You can jumpstart the process using Mile Auto’s quick quote feature, which estimates your mileage rates and how much you could save.

  1. From Mile Auto’s website, enter your ZIP, annual mileage and current insurance payment in the quote tool.
  2. Fill out a few basic personal details, like your birth date and car’s make and model.
  3. View your estimated base and per-mile rates. If you like what you see, select Get a Full Quote.
  4. Complete additional questions about yourself, your car, driving history and coverage. Select Continue.
  5. View your full quote, edit any details as needed and enter your payment information to start your policy.

If you have any questions about your quote or coverage, you can call customer service at 888-645-3001.

What info do I need to apply?

Help the application process go smoothly with several key pieces of information:

  • Home address and phone number
  • Driver’s license
  • Vehicle make, model and license plate or VIN
  • Driving record
  • Coverage needs and policy start date
  • Payment information

What discounts can I get with Mile Auto?

Because Mile Auto is a pay-per-mile company, there are no discounts on top of its rates. However, the company claims to save customers as much as 30% to 40% from their previous car insurance, rewarding low annual mileage.

Mile Auto car insurance reviews and complaints

Mile Auto holds an A rating from the Better Business Bureau (BBB) for its few customer complaints, though it isn’t accredited with the agency. The company began offering pay-per-mile insurance in 2010 and has seen few BBB complaints as of April 2021.

On Trustpilot, Mile Auto boasts a 4.5 out of 5 rating from over 100 customers, a high score for a small brand that serves only a few states. The company does ask its customers to leave a rating on Trustpilot, and it typically responds to negative reviews within a week.

Positive reviews focus on Mile Auto’s cheap rates and helpful answers from customer service during office hours. On the other hand, negative reviews cite problems with a short window to send in odometer pictures and no ability to update your payment details online. Customers give the company solid marks during the claims process overall.

Our star ratings for Mile Auto, explained

Our car insurance experts rate Mile Auto with 4.5 out of 5 stars because of its top customer satisfaction and low rates that save as much as 40% on your car insurance. Mile Auto also receives an A rating from the BBB, showing that it quickly answers customer complaints.

Alternatives to Mile Auto

Compare Mile Auto’s policy features with other companies that offer usage-based policies, including Progressive, Geico and Root. Select Get quote to see your customized rate.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Savvy
Optional
Depends on provider
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Compare up to 4 providers

What car insurance coverage does Mile Auto offer?

Mile Auto offers the basic protection you need when you choose to drive, but not much more than these necessities. You also won’t find gap coverage that some drivers need to pay off their loan or lease after serious car damage.

  • Property damage liability. Meet or go above state requirements to pay for vehicle damage after an at-fault accident.
  • Bodily injury liability. Help other drivers and passengers get the medical attention they need without worrying about costs.
  • Uninsured/underinsured motorist. Take care of vehicle damage and bodily injuries in situations where the at-fault driver is unable to pay.
  • Personal injury protection (PIP). Make sure your medical bills get paid, no matter who’s at fault.
  • Collision. Protect your car if it gets damaged during an accident.
  • Comprehensive. Cover non-collision incidents, such as theft or storm damage.
  • Roadside assistance. Opt for coverage to take care of minor roadside needs like fuel delivery or a battery jumpstart.
  • Rental reimbursement. Get the convenience of a rental car while your own is getting accident-related repairs.

Pros and cons of Mile Auto car insurance

Pros

  • Savings for low-mileage driving. According to the company, this policy could save you money if you average 10,000 miles or less per year.
  • No tracking devices needed. You don’t have to worry about installing a device or black box in your car to track your driving.
  • Your choice of repair shops. Go anywhere you choose for accident repairs.

Cons

  • Few service areas. Mile Auto only serves, Arizona, Illinois, Georgia and Oregon, but will expand to other areas soon.
  • Basic coverage options. The company keeps options simple, possibly because their customers drive less often and need less coverage.
  • No discounts. Special groups and safe drivers don’t get the discounts they would with standard insurance.
  • Lack of website info. Mile Auto lacks detail about its coverage or claims process online.
  • Charges service fees. While your insurance rate might not cost much, the company charges office, credit card and mileage monitoring fees that add to your premium.

How to make a claim with Mile Auto

Let Mile Auto know you need to file an accident claim by calling the company at 888-645-3001.

Frequently asked questions about Mile Auto car insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you. We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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