Allstate Milewise Review [2025]

The COVID-19 pandemic has greatly changed how people drive, and most drivers are now looking for new ways to save money on auto insurance. Allstate Milewise can be a great fit for drivers who aren’t on the road a lot. (For more information, read our “Getting Life Insurance During the COVID-19 Pandemic“).

While some drivers will find affordable Allstate Milewise auto insurance, it’s not a good fit for drivers who rack up the mileage. Think about how you use your vehicle before you decide if Milewise is the right choice for you.

Shop around to find the best coverage with the lowest rates. Compare multiple companies before you buy Allstate Milewise auto insurance to make sure it’s the best deal for you.

Keep reading the Allstate Milewise review to learn more about the service. Enter your ZIP code now to compare free auto insurance quotes from companies near you that offer great rates for low mileage drivers.

How does Allstate Milewise work?

With many people working from home now, it doesn’t make sense to pay auto insurance for your car to sit in your garage. That’s why Allstate Milewise is a good alternative for drivers who don’t use their cars often but still need standard auto insurance coverage.

Milewise uses a plug-in telematics device that tracks the number of miles you drive. Your rate is then based on that mileage. You can also cap the number of miles per day so that you aren’t charged a lot of money if you go on a road trip.

What is pay-as-you-go car insurance? You are only charged for the miles you drive plus a daily base fee. You put money in your Milewise account, and your rates are deducted daily based on your driving.

You can’t get an accurate Allstate Milewise auto insurance quote since your rates will change constantly based on your driving. While this can save you money, your rates will vary which can be difficult for drivers who stick to a strict budget.

The Allstate Milewise app also monitors what time of day you drive, your speed, and how hard you brake. While these factors don’t affect your Allstate Milewise auto insurance rates, they can help you become a better driver.

According to the Insurance Information Institute, telematics can make you a much safer driver by offering immediate feedback. You can then quickly correct bad driving behaviors like speeding.

Although many drivers can save with Milewise, it’s not available in all states, and results will vary by driver. If you work from home, can take public transit, and don’t joyride, you may be able to see substantial savings with Milewise.

How are Allstate Milewise reviews?

Allstate Milewise reviews are generally good mainly because rates are much lower for drivers who keep their mileage low. However, Allstate Milewise reviews also have some complaints centered around the app not being very user-friendly.

Does Allstate Milewise save you money?

Whether or not Allstate Milewise will save you money is based on how much you drive as well as your personal factors. For example, if your driving record is bad, your rates can still be high even if you don’t drive much.

How much you save with Milewise depends on how much you drive. Allstate offers a feature on its website to view your estimated percent savings for miles driven between 1,000 and 10,000.

The Milewise rates are broken down into two parts. Your daily base rate is a fixed rate, and your mileage will cause your rates to vary from day to day.

First, your daily base rate is calculated using factors like your age, driving record, and vehicle type. These rates can increase or decrease every six months.

Second, your mileage is calculated each day and multiplied by your specific per-mile rates. On days you don’t drive, you only pay your daily rate. Milewise can offer significant savings if you don’t use your car every day.

For comparison, this table lists average annual Allstate rates based on the type of coverage you choose.

Allstate Average Auto Insurance Rates Based on Coverage Type

Allstate can be one of the more expensive auto insurance companies out there, so you may save a considerable amount if you try Milewise.

Read more: Allstate Auto Insurance Review

How can I sign up for Milewise?

Sign up for Allstate Milewise in four quick and easy steps.

1. Enroll by entering your ZIP code and getting a quote from Allstate. You’ll need personal information, along with vehicle information such as your car’s year, make and model, and VIN.
2. Set up your device and app. Locate your vehicle’s OBD-II port near the steering column. Most likely, you will find it on the driver’s side under the dash. Match the v-shape orientation of the plug with the port and click it into place. You will also need to download the Allstate mobile app and set up an account.
3. Monitor your insurance cost by setting a spending goal for the month. View your trips and track your progress. Have a credit card or debit card on file. When you hit your minimum balance, Milewise will automatically reload your account, so there is no need to remember the due date for your bill.
4. If you want to cancel for any reason, you’ll need to call your Allstate agent. Have your account number ready to go, and you may be asked to provide a written request for cancellation.

Milewise in the Allstate Mobile App

You can track your pay-per-mile services through the Allstate mobile app. In the app, you can access your policy details, account balance, miles driven, and safe driving status. You can also review your weekly spending and set goals.

Dig into detailed maps, get personalized driving feedback, and see your safe driving trends — safe driving trends are based on braking, speed, and the time of day that you are driving. Through the app, you can also view vehicle diagnostics, get car maintenance reminders, find a mechanic, and schedule repairs.

Is Milewise offered all over the United States?

Milewise is not offered in all 50 states. The following states offer Milewise:

• Washington
• Oregon
• Idaho
• Arizona
• Texas
• Oklahoma
• Missouri
• Illinois
• Indiana
• Ohio
• Wisconsin
• Minnesota
• Pennsylvania
• Maryland
• West Virginia
• Virginia
• Delaware
• New Jersey
• Massachusetts
• South Carolina
• Florida

Should you sign up for Allstate Milewise?

Allstate Milewise reviews are mixed, with some customers noting that they saved money and others annoyed that the Milewise device documents their driving patterns.

In addition, other Allstate Milewise complaints state that Metromile is cheaper. However, Metromile is not available all over the U.S. If you can’t get Metromile where you live, Allstate Milewise might be your best option.

It’s worth getting a quote and doing the math to determine if this would be a good deal for you based on how frequently you drive.

What are other ways to save with Allstate?

Auto insurance discounts are a great way to lower rates. While you won’t be able to get some discounts like the paid in full discount with Milewise, you may be eligible for other discounts to lower rates.

This table shows available Allstate auto insurance discounts. The amount of the discount is listed if it’s available.

Allstate Auto Insurance Discounts

If you are eligible for more than one discount, bundle them for the most savings.

After reading Allstate Milewise reviews, you may decide that Milewise isn’t right for you. In that case, you can also try Allstate Drivewise. This program monitors specific driving behaviors and offers you a reward for safe driving. You get cashback every six months based on how well you did in certain categories such as speed and hard braking.

Allstate Milewise Review: The Bottom Line

Allstate Milewise is a great option for low-mileage drivers. A daily base rate is combined with a mileage rate to create your daily rate. These charges are then deducted from your Milewise account.

While you can cap your daily mileage for things like road trips, Milewise won’t save you money if you have a long commute each day. Consider how much you use your vehicle when deciding if Allstate Milewise is right for you.

If you’re looking for low-mileage auto insurance, shop around to find the best deal for you. Compare multiple companies since every company will offer you a different rate.

Now that you know about Allstate Milewise, you can decide what type of car insurance is right for you. Enter your ZIP code to compare quotes from auto insurance companies in your area for free.