Metromile Car Insurance

3.2 8 reviews
You're shopping in zipcode 79504 Change


The largest discounts from Metromile are: Multiple Vehicle Discount, Paperless documents discount, Persistency discount

Discount Type Discount %
Multiple Vehicle Discount Varies
Paperless documents discount Varies
Persistency discount Varies
Driving training discount Varies
Mature driver discount Varies
Accident Free Discount Varies
More Vehicles Than Drivers Varies
Home Owner Discount Varies
Continuous Coverage Discount Varies
Loyalty Discount Varies
Good Driver Discount Varies
Defensive Driver Discount Varies
Anti-Theft Device Discount Varies
Married Professional Discount Varies

Payment Methods

  • Complete Tick Automatic Online Payments
  • Complete Tick Online Payment
  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments
  • Complete Tick Mobile App Payments

Features and Services

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 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. 

  • Complete coverage options
  • Only pennies-per-mile
  • 24/7 Roadside assistance
  • Free smart car app
  • No cancellation fees

  • 24/7 service 24/7 service
  • Mobile app Mobile app
  • Roadside assistance Roadside assistance
  • Online account management Online account management

Optional Coverage

  • Complete Tick Rental Reimbursment
  • Complete Tick Pet Coverage
  • Complete Tick Road Side Assistance

Metromile Insurance by State

Metromile provides Uber and Lyft driver insurance in the following states:

Metromile Insurance Products

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:

  • Bodily injury

  • Property damage

  • Uninsured and under­insured motorist coverage

  • Collision

  • Comprehensive

  • Personal injury protection/medical payments coverage

  • Rental reimburse­ment: $30/day up to 30 days while your car is being repaired

  • Emergency road­side assistance

    • flat tire

    • Lockout

    • Towing

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Company History

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 Reviews

5 Stars
37% Complete
4 Stars
12% Complete
3 Stars
12% Complete
2 Stars
12% Complete
1 Star
25% Complete
Most Positive Review
By Senteza
February 7, 2018

They were accurate with their rates.

Most Critical Review
By Ernst
August 8, 2018

Bait and switch company. Raised my rates 100% after 6 months. No tickets or accidents during that time. Claimed that this is due to raising costs in California. I found rates even better than those before the raise.