Metromile was founded in San Francisco in 2011 and provides personal, pay-per-mile car insurance. So if you drive less, you’ll pay less for your premiums.
Metromile currently provides their unique auto insurance policies in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.
Some insurance products offered through Metromile are underwritten by insurers in the National General Insurance Group.
To date, Metromile has raised $205 million in funding.
With pay-per-mile car insurance from Metromile, you get a low base rate, then pay just pennies per mile. Designed for low-mileage drivers, Metromile offers complete coverage options for a fraction of the cost.
Metromile’s low-mileage customers save an average of $611 a year. Try it risk free, there’s no cancellation fee.
Miles are measured through a free device that easily plugs into your car and all miles over 250 a day are free.
Metromile offers a variety of specific auto insurance discounts to their customers so be sure you’re taking advantage of all the savings you’re eligible for by contacting your current Metromile agent or unlocking them on Insurify!
|Discount Type||Discount %|
|Multiple Vehicle Discount||Varies|
|Anti-Theft Device Discount||Varies|
|Defensive Driver Discount||Varies|
|Good Driver Discount||Varies|
|Continuous Coverage Discount||Varies|
|Home Owner Discount||Varies|
|More Vehicles Than Drivers||Varies|
|Accident Free Discount||Varies|
|Mature driver discount||Varies|
|Driving training discount||Varies|
|Paperless documents discount||Varies|
|Married Professional Discount||Varies|
For a young company, Metromile provides much of the same services as a standard insurance company.
They offer excellent customer service and 24 hours a day, 7 days a week claims service. You can report or track a claim online at claims.metromile.com or over the phone.
Glass claims will have the deductible waived if the glass or windshield can be repaired rather than replaced.
Metromile also offers deductible options of $250, $500, and $1,000 to their customers.
Metromile also offers a smart driving app in accompaniment to your Pulse plugin. The app allows you to keep track of trips and parking, your car’s maintenance, how much you spend on gas, and more.
|Rental Reimbursment||Reimburses the per day cost of a rental car (daily and maximum reimbursement may vary)|
|Pet Coverage||Helps cover veterinary expenses in the event that your pet is injured or dies in a collision.|
|Road Side Assistance||Typically adds coverage for towing, tire changes, lockout services, and more|
|Automatic Online Payments||Forgetful? This option automatically charges your credit or debit card that you provided so that you never have to worry.|
|Online Payment||Hate those annoying IVR menus? Pay your bill online.|
|Credit Card Payment|
|Debit Card Payments|
|Mobile App Payments||Welcome to the 21st century, some companies allow you to pay your bill through their phone app, just make sure you own a smart phone!|
Metromile Insurance Company offers personal, pay-per-mile car insurance for low-mileage drivers. According to Metromile, 65% of drivers overpay to subsidize high mileage drivers.
Metromile offers a low monthly premium rate, usually $30, plus a few cents per mile, $0.32, when you drive. Like other insurance companies, rates will vary for driver and several factors can influence your rate, including age, type of vehicle, and your driving history.
Metromile offers all miles over 150/day for free.
Miles are measured using Metromile Pulse, a small free wireless device that easily plugs into your car’s OBD-II port and securely tracks your miles.
Available coverages and discounts may vary by state, but will most likely include:
Uninsured and underinsured motorist coverage
Personal injury protection/medical payments coverage
Rental reimbursement: $30/day up to 30 days while your car is being repaired
Emergency roadside assistance