Allstate Milewise Review [2024]
Low-mileage drivers can save money on auto insurance with Allstate Milewise. Milewise uses a telematics device that plugs into your vehicle to track your mileage. Allstate Milewise auto insurance rates are then calculated using a daily base rate plus the fee for your mileage.
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Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
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UPDATED: Jan 30, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 30, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Allstate Milewise offers pay-as-you-go insurance with no set monthly rate
- The Allstate Milewise device records your mileage as well as your speed, when you drive, and braking habits
- Milewise from Allstate is best for low-mileage drivers like stay-at-home parents or people who work from home
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.
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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.
| Annual Miles Driven | Average Percent Savings |
|---|---|
| 10,000 | 20% |
| 8,000 | 31% |
| 5,000 | 49% |
| 2,000 | 66% |
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
| Type of Allstate Coverage | Annual Rates | Monthly Rates |
|---|---|---|
| Low Coverage | $4,628.03 | $385.67 |
| Medium Coverage | $4,896.81 | $408.07 |
| High Coverage | $5,139.02 | $428.25 |
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.
- 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.
- 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.
- 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.
- 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.
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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
| Auto Insurance Discounts | Allstate (%) |
|---|---|
| Anti-lock Brakes | x |
| Anti-Theft | x |
| Claim Free | x |
| Continuous Coverage | x |
| Daytime Running Lights | x |
| Defensive Driver | x |
| Distant Student | x |
| Driver's Ed | x |
| Driving Device/App | x |
| Early Signing | x |
| Electronic Stability Control | x |
| Farm Vehicle | x |
| Good Credit | x |
| Good Student | x |
| Green Vehicle | x |
| Life Insurance | x |
| Low Mileage | x |
| Military | x |
| Multiple Policies | 10 |
| Multiple Vehicles | x |
| Newer Vehicle | x |
| Occupation | x |
| On-Time Payments | x |
| Paperless Documents | x |
| Paperless/Auto Billing | x |
| Passive Restraint | x |
| Senior Driver | x |
| Utility Vehicle | x |
| Vehicle Recovery | x |
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.
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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.
Frequently Asked Questions
What is Allstate’s pay-per-mile program?
Allstate’s pay-per-mile program is called Milewise. It offers a rate based on how many miles you drive. It takes a daily rate and adds it to the per-mile rate, giving you your total cost per day. As you drive and accrue daily mileage charges, your account pays for these trips. It replenishes automatically when your balance is low. You can track your pay-per-mile services through the Allstate mobile app.
How does Allstate Milewise work?
Allstate Milewise uses a device to track your mileage and calculates your auto insurance rates based on the miles you drive.
How does Allstate Milewise calculate the cost?
Allstate follows the formula daily rate + per-mile rate = total cost per day. You pay a low daily rate and a per-mile rate when you drive. When your account reaches its minimum balance, it automatically replenishes via the credit card on file. This ensures your account remains funded to cover your trips.
Can Allstate Milewise save me money?
Yes, if you drive infrequently, Milewise can potentially save you money on auto insurance.
Is Allstate a good choice for pay-per-mile insurance?
Allstate offers reliable coverage and claims service with its Milewise program. This program is a good choice for people who drive less than the average driver, such as stay-at-home parents, commuters, people who work from home, and retirees. 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.
Are there any discounts available with Allstate Milewise?
While some discounts may not apply, you may still be eligible for other discounts based on factors like your driving record and vehicle type.
Is Allstate Milewise available in all states?
No, Milewise is not available in all states. Availability may vary.
How can I sign up for Allstate Milewise?
You can sign up for Allstate Milewise in four quick and easy steps.
- Get a quote: Enter your ZIP code and information about your vehicle and driving history to get a quote.
- Get the device: If you decide to enroll, Allstate will send you a Milewise device, which plugs into your car.
- Plug in the device: Plug the Milewise device into your car under the dash and steering column.
- Start driving: The device will automatically start tracking your mileage and charges.
What happens if I have a long daily commute?
If you have a long daily commute or drive frequently, Allstate Milewise may not be the most cost-effective option for you.
Can I use Allstate Milewise for commercial vehicles or rideshare services?
Allstate Milewise is not available for commercial vehicles or rideshare services. It is designed for personal use only.
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Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.