Mile Auto Insurance: User Reviews and Quotes (2025)
Mile Auto may offer big savings for low-mileage drivers, but the company is still new and only available in a handful of states.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Table of contents
Founded in 2019, Mile Auto is a relatively new insurer in the increasingly popular pay-per-mile insurance market. It offers an attractive proposition: If you drive fewer than 10,000 miles per year, the company says you could save up to 40% off your current car insurance rates with its coverage.
But Mile Auto comes with some downsides. It’s only available in a few U.S. states, it doesn’t offer any discounts, and customer reviews are poor.
Quick Facts
Mile Auto customers pay an average of $55 per month for liability coverage, which is less than similar insurers.
The company doesn’t use telematics or an app, so you’ll have to manually report your monthly mileage to Mile Auto.
Mile Auto customers report challenges reaching customer service and delays in claims processing and payouts.
How Mile Auto compares to other insurance companies
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
4.2
Best choiceBased on 93 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (40)
Arlene
May 24, 2025
Verified Purchase
Not bad
Good value for the price. I wish they had the option to pay my premium online before the due date. Weird billing practices. Otherwise, not a bad experience!
Janet
April 8, 2025
Verified Review
Mile Auto Insurance is Great
They are the most reasonable carrier. I've checked 15.
Irma
March 21, 2025
Verified Purchase
Mike Auto is for Real
I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
As long as you don’t drive a ton of miles and live in one of the nine states where the company offers coverage, Mile Auto’s rates could potentially be cheaper than other car insurance companies. Its low base rate and per-mile rate offer savings up front, but unlike traditional insurance auto insures, Mile Auto doesn’t offer discounts.
If you’re looking for a quality experience when it comes to filing a claim or getting help from an agent, you might want to consider another insurer. Customers find Mile Auto representatives challenging to reach and report issues with claims processing and payments. Unlike most insurers, Mile Auto doesn’t offer the convenience of a mobile app.
Pros
Low-mileage drivers may see significant savings
You don’t have to install a telematics device in your car
Offers roadside assistance and rental reimbursement add-ons
Cons
Available in only seven states
No bundling or discount opportunities
No scores from J.D. Power or the National Association of Insurance Commissioners
Factor  | How Mile Auto Compares |
|---|---|
| Rates | Cheaper |
| Discounts | Fewer than competitors |
| Availability | Similar to competitors |
Find Cheap Car Insurance
Liability rates start as low as $16 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How Mile Auto insurance works
Mile Auto offers coverage under a usage-based insurance model.[1] Customers pay a base rate every month of about $48. And for each mile that you drive, Mile Auto bills an additional $0.08.
Mile Auto doesn’t use telematic devices or mobile apps to record information about your driving habits. Instead, the company sends a monthly email with a link to submit a photo of your car’s odometer reading.
How Mile Auto rates compare to competitors
Mile Auto’s rates are lower than many other usage-based and pay-per-mile companies. See how its monthly full-coverage rates compare to several competitors below.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Mile Auto insurance
Your car insurance costs will depend on numerous factors, including your age, location, driving history, type of car you drive, and coverage levels you choose. You’ll pay more for car insurance if you have an incident on your record, such as an accident, speeding ticket, or DUI.
The table below shows how Mile Auto’s monthly liability-only rates compare to the national averages for drivers with a clean record and with different driving incidents.
Driver | Mile Auto Average Quote | National Average |
|---|---|---|
| Drivers with a clean record | $55 | $105 |
| Drivers with a speeding ticket | $63 | $144 |
| Drivers with an at-fault accident | $71 | $148 |
| Drivers with a DUI | $89 | $169 |
| Teen drivers | $125 | $201 |
| Senior drivers | $37 | $82 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mile Auto car insurance cost by state
Like traditional auto insurance, your monthly Mile Auto rate depends on many different factors, including your age and gender, driving record, the type of car you drive, and your location.[2] Rates can vary widely between states, even for people with similar driver profiles.
Here’s how much the average Mile Auto customer pays each month for liability insurance in seven of the states where coverage is available, compared to the overall state average.
State | Mile Auto Average Quote | State Average |
|---|---|---|
| Arizona | $53 | $93 |
| Florida | $112 | $150 |
| Georgia | $77 | $158 |
| Ohio | $35 | $72 |
| Oregon | $61 | $97 |
| Tennessee | $40 | $72 |
| Texas | $60 | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Mile Auto car insurance discounts
Mile Auto doesn’t offer any discounts. In fact, the word “discount” doesn’t appear anywhere on the company’s website. Most insurers — even Mile Auto’s pay-per-mile competitor, Metromile — offer discounts for things like insuring multiple cars or having a clean driving record.
So if you’re looking for discounts to save on insurance rates, you’ll need to go with another insurer.
How customers feel about Mile Auto
Given that Mile Auto is such a new (and limited) insurer, it doesn’t have much of a track record when it comes to people sharing their experiences. But of the reviews that are available, opinions don’t skew much in favor of the company:
Trustpilot: 2.8 out of 5 stars based on 164 reviews
Better Business Bureau (BBB): 1 out of 5 stars based on three reviews, with 13 complaints closed in the last three years (seven in the last 12 months alone)
Mile Auto customer reviews
Here’s what actual, verified consumers are saying about what it’s like to work with Mile Auto and its pay-per-mile program:
Arlene - May 24, 2025
Verified
Not bad
Good value for the price. I wish they had the option to pay my premium online before the due date. Weird billing practices. Otherwise, not a bad experience!
Janet - April 8, 2025
Verified
Mile Auto Insurance is Great
They are the most reasonable carrier. I've checked 15.
Irma - March 21, 2025
Verified
Mike Auto is for Real
I have nothing but good things to say. It has saved me a lot of money, which means everything to me. I think about all the money I have paid for insurance, and finally, this insurance, Mike Auto, has come up with a way to reduce the cost.
Irma - March 19, 2025
Verified
Response Time
I would prefer to have my problems solved before the three days they state as their response time.
…
Mile Auto ratings
When choosing a car insurance company, it’s important to make sure you’re working with a reliable, helpful, and financially stable company that’ll be able to pay out your claims when you need it.
Normally, it’s a good idea to check an insurance company’s consumer ratings on trusted sites like AM Best, J.D. Power, or the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.
But unfortunately, you won’t find any data reported for Mile Auto since the insurer is so new.
Mile Auto car insurance coverage options
Mile Auto offers the standard state-minimum coverage in each state where it operates. This typically includes liability insurance, which covers bodily injuries and property damage if you cause an accident. You can also choose a full-coverage policy with comprehensive and collision insurance.
Mile Auto also offers roadside assistance and car rental reimbursement. It doesn’t delve into any details on how these policies work or what deductibles and coverage limits you can choose from, nor does it outline any other type of coverage. But it presumably also offers personal injury protection (PIP) since that’s required for all Florida policies.
You’ll have better luck choosing from a wider range of policy options with competitors, which also generally tell you more about how the different coverage options work. Metromile, for example, also offers uninsured/underinsured motorist coverage and medical payments coverage, which Mile Auto doesn’t mention on its site.
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Other options for Mile Auto customers
Pay-per-mile coverage is Mile Auto’s bread and butter, and that seems to be all the company offers. If you’re hoping to find one insurer for your home, auto, or any other vehicle, Mile Auto isn’t for you. But if you don’t drive a lot and you’re willing to split up your policies among different insurers in order to save money, consider Mile Auto.
Mile Auto insurance FAQs
If you’re looking for an alternative to traditional auto insurance and considering a pay-per-mile option, this additional information might give you a better idea if Mile Auto is a good choice.
Is Mile Auto legitimate?
Yes. Mile Auto is a legitimate company. All insurance policies it sells are underwritten by a larger company — Spinnaker — and it’s licensed to operate in the states where it offers coverage.
What is the average cost of Mile Auto car insurance?
The average customer has a monthly payment of $55 for liability-only insurance through Mile Auto. The company can be a good option if you drive fewer than 10,000 miles each year.
Is Mile Auto good at paying claims?
Unfortunately, independent data isn’t available about how good Mile Auto is at paying claims. Many consumers report having issues with Mile Auto processing claims and payments on review sites. On Trustpilot, for example, one customer mentioned a smooth claims process — but three more mentioned having problems.
How do I cancel my Mile Auto insurance policy?
Mile Auto doesn’t mention how to cancel your current policy on its site. But if you reach out to the customer service team, they should be able to take action to process your request, or at least tell you how to cancel this type of policy on your own. You can contact customer service at 1 (888) 645-3001 from 9 a.m. to 6 p.m. Monday through Friday.
Is pay-per-mile insurance worth it?
The average driver travels 13,476 miles per year, according to Federal Highway Administration data.[3] Pay-per-mile policies can be a good choice if you drive less than that. But many seniors, students, and other people who don’t drive often may be able to save money with a pay-per-mile policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Federal Highway Administration. "Average Annual Miles per Driver by Age Group."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Edited bySarah Archambault
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.