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Mile Auto car insurance review

Last updated:  

Find basic coverage and savings with this pay-per-mile policy.

finder.com's rating: 4.5 / 5

★★★★★

  • Get a quote if you’re a low-mileage driver in Illinois or Oregon
  • Pick something else if you’re outside its service area
  • 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

Expert review

Sarah George

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 an up-and-coming service meant to help low-mileage drivers in Illinois and Oregon save money. You could save hundreds of dollars a year if you don’t drive much, and you won’t even need a telematics device installed in your car. Because rates are so low, coverage is fairly standard, without many bonuses.

However, it currently lacks some features its competitors offer, such as online account management. It’s more hands-on too, since you have to submit a picture of your odometer every month. If those are both turnoffs, consider other mileage-based insurers, especially if you’re looking for a streamlined digital experience.

What car insurance coverage does Mile Auto offer?

Mile Auto offers the basic protection you need when you choose to drive:

  • 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.

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 its customers 30% to 40% off their premium, rewarding their low annual mileage.

Pros and cons of Mile Auto car insurance

Pros

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

Cons

  • Few service areas. Mile Auto only services Illinois and Oregon but will expand to other areas soon.
  • Basic coverage options. The company keeps options simple, possibly because their customers drive less often.
  • 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.
  • No online account management. The company provides nothing in convenient tech options, like an online account or mobile app.

Alternatives to Mile Auto

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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How to apply for Mile Auto car insurance

Jumpstart the process for a Mile Auto policy through an independent agent. You’ll need to call the company to connect with an agent near you 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

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

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