As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Metromile is changing the auto insurance landscape as we know it with coverage that is custom-tailored to your driving needs. Individuals who don’t put many miles on their car often choose its pay-per-mile coverage over traditional types of policies, finding that they can potentially save hundreds of dollars per year.
Who Benefits Most and Least from Metromile Insurance?
- People who drive fewer than 10,000 miles per year
- Individuals looking to save money on their premium
- Customers who appreciate extra benefits including car diagnostics and pet coverage
Not the Best For…
- Those who are wary of companies tracking every mile they drive
- Many U.S. residents, as Metromile is only available in a few states
- Motorists seeking additional coverage for their home, RV, or business
Metromile: Is pay-per-mile coverage cost-effective?
Rather than offering one set price based on driving history and coverage limits, Metromile is revolutionizing how people pay for auto insurance. Using its Pulse device, which is plugged directly into one’s vehicle, customers only get charged for each mile they drive along with an affordable monthly base rate. The company leans heavily on technology, allowing drivers to sign up for and manage their policy online, yet is only offered in a handful of states across the nation.
While Metromile might appear to be one of the cheapest options available, many customers find that its claims processing is difficult to navigate and that the company raises prices considerably from time to time without any notice.
Metromile Car Insurance Quotes and Discounts
Metromile isn’t like other car insurance companies—instead of paying one set price no matter how often you drive, its rates are calculated in a completely different way. Not only does Metromile’s coverage include a low base rate, but its pay-as-you-go plans are geared toward low-mileage drivers. Ultimately, that means that you can’t necessarily take a quote from Metromile and compare it to any other company out there, as it’s not an apples-to-apples situation.
To find the best car insurance quote for your specific driving habits, make sure to use Insurify. You’ll be able to quickly and easily compare up to 10 different quotes at once and see if Metromile’s prices are the best fit for your budget.
Auto Insurance Quotes Comparison: Metromile vs. Competitors
Insurify’s data team stacked up quotes from Metromile, GEICO, and Progressive to see how Metromile measured up to its competitors. Below are the quotes for a 30-year-old female who lives in San Jose, California, and has a clean driving record:
These would be the same driver’s quotes if she were to have a speeding ticket on her record, for driving at 75 mph in a 50 mph zone:
Finally, these would be her rates if the same driver were to have an at-fault accident on record:
Metromile offers very competitive rates and is usually on par with Progressive and GEICO for this specific driver profile. But you’ll have to get a personalized quote to see which company would be the cheapest option for your driver profile. Consider using a quotes comparison website like Insurify, which lets you compare quotes across different insurance companies within minutes.
Drivers Can SAVE with these Discounts from Metromile
As Metromile is unlike any other traditional insurance company, the level of discounts it provides is also somewhat unique. Between its already low base rate and its pay-per-mile structure, customers often find that rates are far lower than expected. This eliminates the need for a variety of additional discounts, as low prices can be obtained simply by purchasing coverage.
Metromile offers discounts for drivers with multiple vehicles, homeowners, and married couples. You could also get a discount if you’ve taken a defensive driving course, have been accident-free for a long time, or have had continuous coverage for a long time. Metromile also gives out loyalty discounts to those who have stayed on their policy for a couple years. Savings amounts vary based on the state you live in, so customers should contact Metromile for an exact quote.
States Where Metromile Car Insurance is Offered
Metromile is actively expanding its coverage area; however, at this time, only residents of the following states can apply for coverage: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. Keep in mind that the coverage offered by Metromile is designed for individuals with a strong driving history who operate their vehicles for personal use only.
Click here to find the cheapest car insurance quotes in your state.
Metromile Auto Insurance Coverages
At first glance, you might think that a per-mile insurance plan would only offer a minimal level of coverage, but Metromile’s auto policies are quite robust. The company has four different levels of liability protection, and each driver can obtain a policy that includes all of the following:
Getting into an auto accident can certainly ruin your day, but what’s even worse is thinking about the potential expenses that can occur due to car damage and injuries. Metromile offers both bodily injury and property damage coverage, two essential forms of liability protection. No matter who is at fault, your policy will help to pay towards repair bills and medical costs.
Uninsured/Underinsured Motorist Bodily Injury
Even a minor collision can result in a doctor visit or two, and in most cases, the at-fault party’s insurance will pay toward your bills. But what if that person doesn’t have enough coverage or, even worse, no coverage at all? That’s where uninsured/underinsured motorist bodily injury protection comes in, offering some financial relief after you’ve been hurt.
Uninsured/Underinsured Motorist Property Damage
Fixing your vehicle after an accident can cost more than you’d think, and if the at-fault party doesn’t have enough coverage, or any at all, to pay your repair costs, would you be able to afford the bill? Whether you can or not, you’ll have peace of mind thanks to Metromile’s underinsured motorist property damage coverage, as it helps to offset any remaining expenses.
As an extra form of protection, Metromile offers medical payments as a part of its auto coverage offerings. If you’re injured in a car accident, this policy will help to pay toward your healthcare expenses, and in some instances, can even be combined with the payments from your medical insurance.
Personal Injury Protection
The costs associated with an injury extend far beyond a doctor bill as your entire life can be disrupted for weeks or months at a time, depending on how seriously you’re hurt. Personal Injury Protection, also known as PIP, can provide funds to help cover lost wages, childcare expenses, funeral costs, and more.
Most scenarios in which your car sustains damage from anything other than a collision is covered under your comprehensive plan, ensuring that you’re not left paying to fix vandalism or damage after a break-in. Hail, flooding, earthquakes, and many more hazards that are out of your control are often included under this type of policy.
Most states require collision coverage, often considered to be one of the foundational elements of auto insurance. If you get into an accident with another vehicle or you hit a wall, tree, or any other object, this part of your policy will help to pay toward your repair costs. Remember, collision coverage will only help to cover the expenses for your vehicle and will not pay toward any other repairs.
Other Special Auto Coverages Offered by Metromile Insurance
Metromile aims to give drivers an array of coverage options and never approaches auto insurance with a one size fits all way of thinking. For an additional fee, you can enroll in any one of these additional policies:
Collision Deductible Waiver
If you’re in an accident and the at-fault driver is not insured, Metromile will waive your collision deductible. You must provide either the name or license plate number of the at-fault party within 10 days to Metromile for this coverage to apply.
A tiny chip in your windshield can turn into a considerable crack almost overnight, and rather than driving with this damage, Metromile allows you to get it repaired at a reduced cost.
When your vehicle needs extensive repair work and you’re left without a car, it can severely impact your day to day life. Metromile will cover the cost of a rental vehicle, based upon your coverage level, for up to 30 days while your car is in the shop.
There’s nothing worse than being stranded on the side of the road thanks to a dead battery or a flat tire. If you elect to have roadside assistance, you can count on Metromile to help with these issues and more, based upon what’s outlined in your contract.
Taking our furry friends with us on a road trip or around town to run some errands is often fun, but what if they got hurt in an auto accident? With pet coverage, Metromile will pay up to $1,000 toward your pet’s medical expenses.
Other Insurance Products Offered by Metromile Insurance
The old saying about valuing quality over quantity certainly applies when it comes to Metromile, as it is one of the few companies that doesn’t offer an extensive array of insurance products.
At this time, customers can only obtain auto coverage through Metromile and will have to partner with another company for additional types of insurance.
How Can I Buy Auto Insurance from Metromile?
Rather than partnering with captive agents in the eight states they serve, Metromile keeps all of its business under one roof, making it easy for customers to obtain a quote and purchase coverage. You can get a quote online by answering a few simple questions, ultimately allowing you to enroll and make your payment directly on its website. If you prefer to speak to someone, customers can contact Metromile six days a week.
It’s essential to keep in mind that Metromile can only offer you a quote for its specific auto coverage. Rather than calling several different companies to price shop, you can see the rates of up to 10 companies at once by using Insurify.
How Can I Pay for My Metromile Car Insurance Policy?
Metromile aims to make paying your premium as easy as possible, allowing customers the ability to manage their policy online or through the app. Depending on the state you live in, you might have one of the following options:
- Pay your bill online using a debit or credit card
- Enroll in auto-pay using a debit or credit card
- Call Metromile to arrange for payment using a check. You will receive specific instructions regarding where to mail your payment
How Often Will Metromile Increase My Premiums?
It’s fantastic to find out that you can sign up for auto coverage at an incredibly low rate, but can you feel confident that things won’t dramatically change? Customers often gripe that Metromile increases its mile rate without much explanation, leading some to turn away from the company.
Depending on the state you live in, Metromile explains that your premium might go up due to any of the following reasons:
- Your age
- The age of your vehicle
- When and how you drive
- Any change in your license status
- Adding more drivers to the policy than there are vehicles
How Does Metromile’s Claims Process Work?
While many facets of Metromile’s coverage is unique, its claims process is very similar to other auto insurance companies. If you are involved in an accident, you can file a claim online at claims.metromile.com, or you can begin the process over the phone. You will be assigned a specific representative from its claims team to work with and can reach out to them via phone or email with any questions along the way. The status of your claim can also be viewed through the Metromile app.
As each state works a bit differently regarding auto repairs, claim timeframes, and more, it’s best to direct specific questions to your claims representative. He or she will be able to give you an overview of the process and will be there to assist you step by step.
Some sources point to a former partnership between Metromile and another insurance provider when it comes to handling claims, but in 2017, the company announced that it was bringing its claims team in-house with the goal of a more streamlined and comprehensive process.
How Can I Cancel My Metromile Car Insurance Policy?
Canceling your policy with Metromile is nearly as easy as signing up for coverage, and the company will never charge any termination fees. Simply call its customer service department at 1 (888) 244-1702 to cancel your policy; at this time, cancellations cannot be completed online.
Before you end your per-mile car insurance, make sure you have another policy in place so that you don’t experience any lapse in coverage. Visit Insurify to find and compare rates in your area in just a few minutes.
How Much Does Uber/Lyft Coverage Cost with Metromile?
Most major car insurance companies steer entirely clear of ridesharing coverage, as it can often increase a driver’s liability. Metromile, however, did formerly dip its toe into this area and, in 2015, launched coverage for Uber drivers only. Using the Pulse device which plugs into your vehicle’s OBD-II port, the company could easily track your mileage rate and bill you accordingly.
Today, Metromile does not offer any coverage for ride-sharing as it advertises savings for low-mileage drivers only.
Insurance Companies Similar to Metromile
Only a few companies are delving headfirst into the pay-per-mile model, so at this time, Metromile has a limited number of competitors. While there are plenty of car insurance companies on the market, only Metromile, Esurance, and Root offer this unique coverage option.
While Esurance does provide more traditional policy types, it also features a pay-as-you-go system. Both Esurance and Root utilize telematics just like Metromile, and while prices do end up being quite comparable across all three companies, there are some other factors to consider.
Customers sometimes prefer Esurance as it includes the potential for a far more significant number of discounts as well as the ability to purchase other policies for one’s home, boat, condo, and more. Like Metromile, Esurance is only available in a handful of states.
Root is often a top competitor with Metromile due to similar types of policy offerings and low prices. While it is available in over a dozen states, the company is far newer and has a lower financial strength rating than Metromile.
According to Insurify’s internal database of over 2 million car insurance applications and analysis of external sources, drivers looking to switch their car insurance and ultimately chose Metromile most often switched from the following providers:
But what if Metromile doesn’t work out? Drivers who used to hold Metromile car insurance most often switched to the following companies:
Metromile Customer Satisfaction and Policyholder Reviews
Customers who don’t drive often and are looking for straightforward coverage when they do often sing the praises of Metromile, stating that the company’s prices are fantastic, and it’s an excellent option for city dwellers. Metromile’s use of telematics often impresses many, and as long as you don’t have to file a claim, you can count on its customer service.
Unfortunately, the rave reviews tend to stop there, as a high number of complaints have been lodged against Metromile with the Better Business Bureau. Customers complain that its rate increases are unreasonable, the claims process is shady at best, and billing issues are common:
Metromile Mobile App Review
Just as customer reviews of Metromile as a whole are quite mixed, its app tends to be either a slam dunk or a total dud according to who you ask. The app will let you know if street sweeping is expected in your area, can alert you when your check engine light comes on, and offers access to your account info with ease.
In general, iPhone users tend to favor Metromile’s app far more than when using it on a Google device, leading many to wonder if customer frustration is simply due to a UX issue.
|App store||Ratings (Out of 5)||User reviews|
|Mobile App (iOS)||4.6||14,321|
|Mobile App (Android)||3.5||725|
Frequently Asked Questions: Metromile Car Insurance
How much does Metromile cost?
Metromile is designed to be a low-cost auto insurance option, charging customers an affordable monthly base rate and an additional price per each mile driven. If you don’t drive often, its policies may be far cheaper than other options in your area. Each customer will pay a different cost for coverage, allowing it to be fully customizable to meet your needs.
How does Metromile Pulse device track my driving habits?
Speeding, slamming on the brakes, or driving at night might all negatively affect your rates with other auto insurance companies, but Metromile is different. The company only logs your mileage and will not raise your rates due to the way you drive.
Is Metromile as cheap as it seems?
In general, pay-per-mile options are more cost-effective for customers who drive less than 10,000 miles per year. If you want to make sure you’re purchasing the best auto coverage for both your budget and liability needs, head over to Insurify. You’ll be able to compare up to 10 quotes at once and see whether Metromile is the best option for you.
Is Metromile the cheapest car insurance in your area?
Many satisfied customers note that they save far more money with Metromile than they expected, as they only pay for coverage during the times they’re actually using their vehicle. However, it’s essential to consider Metromile’s pricing as a whole, and remember that you are charged both a base rate and a per-mile rate each month. While its coverage could be the cheapest in your area, your best bet is to visit Insurify first. You’ll be able to compare cheap car insurance quotes in a matter of minutes and select the best coverage for your needs.
Metromile Auto Insurance Overview
Founded in 2011 in Redwood City, California, Metromile is working to disrupt the auto insurance industry as we know it. Founders David Friedberg and Steve Pretre planted the company’s headquarters in San Francisco and have since opened several more locations across the country. Metromile is one of the only pay-per-mile insurance companies on the market, yet it’s only available in select states.
Rather than partnering with captive agents, all underwriting, claims, and customer service functions are done in-house, giving customers the ability to handle multiple needs with one phone call. Metromile relies heavily on technology, utilizing a mobile app, online login function, and telematics to appeal to tech-savvy customers.
Reviews of Metromile as a whole are mixed, with some noting that prices are raised unfairly and that the claims process is complicated. Others who drive infrequently and have never been involved in an accident love its low rates.
Metromile Contact Information
|Customer support||1 (888) 311-2909
|Get a quote or purchase coverage||1 (888) 242-5204|
|Policy cancellations||1 (888) 244-1702
|Headquarters address||690 Folsom St Suite 200
San Francisco, CA 94107
|Claims service||1 (888) 595-5485|