Metromile reviews and ratings
- Metromile has fewer customer complaints than other companies of a similar size
- Pricing is based on mileage, with typically lower rates than traditional insurers for those who drive less
- Available in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington
Metromile offers pay-per-mile car insurance aimed at city dwellers. The company estimates that people who drive fewer than 10,000 miles per year can save hundreds of dollars annually. If you don’t drive much and don’t mind having your mileage tracked, Metromile might be the auto insurer you’re looking for.
Metromile had fewer than the median number of complaints to state regulators in 2016 for a company of its size, according to the National Association of Insurance Commissioners.
Metromile car insurance rates are broken into two parts: a base rate and a per-mile rate, typically a few cents per mile. Metromile’s app then tracks your mileage using a device plugged into your car’s diagnostic port. Your monthly premium equals the per-mile rate multiplied by the number of miles you drove during the past month, added to your base rate.
Let’s say you have a base rate of $40 per month and pay 5 cents per mile. If you drive 500 miles in a month, your total premium would be (500 * $0.05) + $40, which totals $65 ($25 + $40).
If you take the occasional road trip, don’t worry; your habit won’t result in a staggering insurance bill. Policyholders in six of the seven states that Metromile serves — California, Illinois, Oregon, Pennsylvania, Virginia and Washington — aren’t charged for more than 250 miles per day; in New Jersey, it’s 150 miles.
Auto insurance options and availability
Metromile offers all the usual types of auto coverage you’d expect, with add-on options available, including:
- Rental reimbursement: If you have collision and comprehensive insurance and your car is in the shop due to a claim, Metromile will pay up to $30 per day for up to 30 days for you to rent a car.
- Roadside assistance can help pay if you need a tow, get a flat tire or are locked out of a vehicle covered by the policy.
- Pet injury protection is included in Metromile’s comprehensive and collision coverage in all states it serves except Illinois and Virginia. It provides up to $1,000 if your dog or cat is injured in an accident.
- No-deductible glass repair if you purchase comprehensive coverage, and the glass doesn’t need to be replaced entirely.
Here’s where Metromile auto insurance is available:
More about Metromile
The Metromile Pulse device tracks your mileage. The free device plugs into the diagnostic port of your car and transmits data to the insurer. Unlike other usage-based car insurance programs, Metromile doesn’t determine premiums based on other data such as speed, cornering or braking.
Metromile’s mobile app is where you can check your mileage as recorded by the Pulse device. You can also view policy documents, your auto insurance ID cards and next month’s charges based on mileage. Other app features include:
- Parking: Find your parked car and get street sweeping alerts to avoid tickets
- Trip data, including speed, distance and how much you spend on gas
- Car health, which tells you what your check-engine light means and where to find a mechanic