Metromile Auto Insurance Review (2025)
Metromile, a pay-per-mile auto insurance provider, offers a unique coverage approach for drivers, catering to those who don't frequently use their vehicles, potentially saving them money on insurance premiums.
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Table of Contents
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Brad Larson
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...
Jeffrey Manola
Updated April 2024
Shopping for auto insurance coverage can be difficult. With countless companies and coverage options competing for your attention, you may feel overwhelmed when purchasing an auto insurance policy or searching for coverage with a new insurance company.
Metromile is one auto insurance company that offers a unique type of coverage. With Metromile, you can purchase pay-per-mile car insurance that offers the coverage you need at a lower price if you don’t drive very often. If you drive fewer than 10,000 miles per year, Metromile’s pay-per-mile insurance may be a cheap option.
In addition to pay-per-mile auto insurance, Metromile offers other standard coverage options. However, you may pay more for a standard auto insurance policy with Metromile since the company focuses on offering cheap coverage to infrequent drivers.
Unfortunately, Metromile is not available throughout the U.S., so you’ll have to research to learn whether the company offers coverage in your area. As you research auto insurance in your area, remember to get quotes from several companies to compare coverage prices.
What You Should Know About metromile
With Metromile, you pay for auto insurance based on your driving habits. One of the most important driving characteristics the company tracks is how much you drive. If you drive fewer miles, you pay less for coverage. Metromile uses a mobile app to discern and assess its policyholders’ driving habits. So if you drive safely and don’t drive very much, you could save money with Metromile.
The company claims its customers can save up to $947 annually or $79 per month. Individuals who drive more frequently and accrue more than 10,000 miles each year may not benefit from an auto insurance policy with Metromile. Still, you can get a quote from the company to see how much you would pay for coverage.
Is Metromile insurance good?
Metromile does not have a rating with A.M. Best or the Better Business Bureau. Because of this, it’s difficult to know the company’s exact financial strength. Still, Metromile offers competitive rates, especially for people who don’t drive very often.
If you drive more than 10,000 miles a year, Metromile’s rates may be higher than many other companies in your area. You can get a quote from the company to compare prices with other standard auto insurance companies.
How does Metromile work?
Metromile uses a device it calls the Metromile Pulse to monitor its policyholders’ driving habits. The Metromile Pulse plugs into your vehicle’s diagnostic port and instantly reports specific information to the company.
Metromile has a GPS feature, but customers are allowed to turn that feature off so the company can track their driving habits but not track their location. Still, some people are uncomfortable with being monitored 24/7. Some of the most common habits Metromile tracks include:
- Mileage
- Driving time of day
- Hard braking
- Acceleration
- Speeding
If you live in a state where Metromile operates, you need to consider a few things before purchasing a policy. First, your rates with Metromile may constantly fluctuate. If you drive only a few miles one month but your mileage increases in the following month, you may have to pay more for coverage.
Metromile customers also complain consistently about the company’s customer service standards. Therefore, if customer service is an important part of your auto insurance experience, Metromile may not work for you.
Lastly, Metromile is only available in Washington, California, Oregon, Illinois, Arizona, Virginia, Pennsylvania, and New Jersey. If you live in another state, you’ll have to search for car insurance with another company.
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metromile Insurance Coverage Options
Metromile offers the standard types of auto insurance most people expect from a car insurance company. These coverages include:
- Bodily injury liability. Bodily injury liability protects you if you hit someone and cause physical injuries.
- Property damage liability. Property damage liability protects you if you hit someone’s car and cause damage to the vehicle.
- Uninsured/underinsured motorist coverage. Uninsured/underinsured motorist insurance pays if someone hits you, but they don’t have proper insurance.
- Personal injury protection (PIP). Personal injury protection insurance covers medical costs, visits to the doctor, and can sometimes help with lost wages due to an accident.
- Medical payments (MedPay). MedPay helps pay for medical bills associated with injuries sustained during a car accident.
- Collision insurance. Collision auto insurance coverage pays to repair your vehicle if you are at fault in an accident and your vehicle is damaged.
- Comprehensive insurance. Comprehensive auto insurance coverage pays to repair your car if hail, wind, wild animals, theft, or vandalism damage your vehicle.
- Roadside assistance. Roadside assistance helps with flat tire repair, fuel delivery, lockout services, and towing.
- Rental car reimbursement. With rental car reimbursement, your insurance company will pay you back if you have to rent a car while your vehicle is in the shop after a covered accident.
Metromile full coverage auto insurance policies — including collision and comprehensive insurance — come with $1,000 in pet injury insurance. Additionally, if your windshield cracks, Metromile does not make you pay your deductible before the company pays to fix it.
Lastly, Metromile’s uninsured and underinsured motorist coverage automatically comes with a deductible waiver. So, if you’re driving and someone injures you or damages your vehicle, you will not have to pay a deductible before the company pays for repairs.
Does Metromile sell other types of insurance?
Metromile only sells auto insurance policies. While other companies offer discounts for bundling things like car and home insurance, Metromile does not offer this type of savings. Still, the company may be a good fit for you if you don’t drive very much.
metromile Insurance Rates Breakdown
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| Driver Profile | Metromile auto insurance | National Average |
|---|---|---|
| Clean Record | $221 | $199 |
| 1+ Ticket | $240 | $210 |
| 1+ Accident | $280 | $250 |
| DUI | $320 | $300 |
| Poor Credit | $380 | $342 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Because Metromile offers pay-per-mile coverage, it’s difficult to know exactly how much you’ll pay. Your auto insurance rates will depend on how much and often you drive. The company also monitors your driving habits and offers rates specific to your tendencies behind the wheel.
What is Metromile Pulse?
As stated earlier, Metromile uses Metromile Pulse to read and report diagnostics about your driving to the company. With Metromile Pulse, the company monitors things like:
- The days and times you drive
- How far you drive
- Your stop and start patterns
- Speeding
- Hard braking
Some people dislike that their auto insurance company constantly monitors their driving habits. If you do not want Metromile to monitor you 24/7, you should not seek a policy with the company.
Metromile Pulse can be helpful in specific scenarios. For example, the device can help you track your driving routes, find your vehicle if you lose it while it’s parked, and alert you if something is wrong with your engine.
Other insurance companies offer usage-based insurance coverage as discount opportunities, but Metromile is one of the only companies to use this type of monitoring for each customer.
How does Metromile determine my rates?
Metromile pays more attention to how much you drive than most other auto insurance companies. The company also determines your rates based on other factors, like:
- Age
- Location
- Gender
- Marital status
- Driving history
- Credit score
- Car make and model
- Coverage types
Each of these factors has the potential to impact your car insurance rates with Metromile or any other car insurance company. For example, if you are over 25, have a clean driving history, and have a good credit score, you may find that Metromile offers cheaper rates.
Remember that your car insurance rates depend partly on the type of car insurance you purchase. If you just want a liability-only policy, your rates will be less expensive than if you choose full coverage. You will also pay more if you choose add-on coverages, like roadside assistance or rental car reimbursement.
How much is Metromile auto insurance for teen drivers?
Teen and young adult drivers pay more for car insurance than any other demographic. In addition, teen drivers pay more with Metromile than older drivers because of the risk they pose behind the wheel.
Average Monthly Full Coverage Teenage Auto Insurance Rates by Gender
| Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
|---|---|---|---|---|
| Allstate | $637.83 | $608.25 | $518.58 | $448.42 |
| American Family | $480.08 | $390.17 | $390.33 | $287.67 |
| Farmers | $741.75 | $777.50 | $603.17 | $573.25 |
| Geico | $311.92 | $297.75 | $253.58 | $219.58 |
| Liberty Mutual | $778.25 | $716 | $632.75 | $527.92 |
| Nationwide | $476.17 | $410.50 | $387.17 | $302.67 |
| Progressive | $813.83 | $801.42 | $661.75 | $590.83 |
| State Farm | $349.25 | $310.83 | $284 | $229.17 |
| Travelers | $896.83 | $708.83 | $729.17 | $522.58 |
| National Average | $609.58 | $557.92 | $495.58 | $411.33 |
The national average rate for a female teen driver is $4,962 annually or $414 per month. However, Metromile charges female teen drivers around $7,561 annually or $630 per month. For males, the national average for teen drivers is $5,661 annually or $472 per month, but Metromile charges $8,103 annually or $675 per month on average.
Because Metromile’s rates are almost 35% higher than the national average, teen drivers should consider other companies for auto insurance coverage. You can add your teen driver to your insurance policy to save money. Most companies offer lower rates to teens who join an adult’s policy.
How much is Metromile auto insurance for young adult drivers?
Young adults typically pay less than teens for car insurance as long as they have a clean driving record.
Average Monthly Auto Insurance Rates by Age and by Company
| Companies | 25-Year-Old Female | 25-Year-Old Male | 17-Year-Old Female | 17-Year-Old Male |
|---|---|---|---|---|
| Allstate | $219.51 | $220.97 | $678.65 | $733.87 |
| Farmers | $172.13 | $179.75 | $810.38 | $773.12 |
| Geico | $108.35 | $111.96 | $259.76 | $385.52 |
| Liberty Mutual | $279.38 | $296.29 | $544.95 | $882.56 |
| Nationwide | $170.12 | $216.52 | $304.87 | $452.46 |
| Progressive | $192.71 | $187.71 | $527.40 | $587.72 |
| State Farm | $181.32 | $192.87 | $497.40 | $641.39 |
| Travelers | $247.44 | $255.98 | $558.84 | $664.92 |
| USAA | $162.66 | $179.06 | $520.49 | $617.89 |
The national average for young adult drivers is around $1,734 for women and $1,842 for men per year. This averages to about $145 per month for females and $154 for males. Metromile’s rates are higher. With Metromile, female young adult drivers pay $2,141 annually or $178 per month, and males pay $2,259 annually or $188 per month.
Young adult drivers should compare Metromile’s rates with rates from other auto insurance companies before choosing a policy.
Read more: Best Auto Insurance for Women
Is Metromile cheap for adult drivers?
Metromile’s auto insurance rates for adult females are around 7% higher than the national average. The company’s rates for adult men are around 5% higher than the national average.
The national average for auto insurance for a female driver is $1,476 annually or $123 per month. However, with Metromile, female adult drivers pay $1,842 annually or $154 per month. Similarly, the national average for men is $1,485 annually or $124 per month, while rates with Metromile are typically around $1,836 annually or $153 per month.
Because Metromile is a pay-per-mile auto insurance company, you’ll pay more if you drive more. However, if you’re an infrequent driver, you could pay less than the company’s average for your gender. You’ll have to get a quote from Metromile to learn more.
How much is Metromile for senior drivers?
Senior drivers pay more for Metromile on average than with other insurance companies.
Average Monthly Full Coverage Senior Auto Insurance Rates by Gender
| Insurance Company | 60-Year-Old Male With a Clean Record | 60-Year-Old Female With a Clean Record | 65-Year-Old Male With a Clean Record | 65-Year-Old Female With a Clean Record |
|---|---|---|---|---|
| Allstate | $153.92 | $149.75 | $156.50 | $158.33 |
| American Family | $99.17 | $97.92 | $107.58 | $106.33 |
| Farmers | $122.83 | $115.25 | $130.08 | $130.67 |
| Geico | $74.33 | $72.67 | $78.42 | $78.17 |
| Liberty Mutual | $157.50 | $146.50 | $168.50 | $165.92 |
| Nationwide | $104.42 | $99.08 | $112.25 | $110.58 |
| Progressive | $95.25 | $92.08 | $102.83 | $109.33 |
| State Farm | $76 | $76 | $84.17 | $84.17 |
| Travelers | $88.75 | $87.67 | $95.42 | $94.17 |
| National Average | $108 | $104.08 | $115.08 | $115.25 |
The national average for female senior drivers is $1,332 annually or $111 per month. With Metromile, female senior drivers pay $1,668 annually or $139 per month. In the U.S., senior male drivers pay $1,365 annually or $114 monthly. However, with Metromile, senior male drivers pay around $1,754 annually or $146 monthly.
Rates for senior drivers often increase around age 60 because insurance companies see individuals in their 60s and older as having more of a risk of getting into an accident.
Is Metromile expensive after a speeding ticket?
Most insurance companies charge higher rates if a person has one or more speeding tickets on their record. Metromile also increases its policyholders’ rates if they get a speeding ticket.
Average Monthly Auto Insurance Rates with One Speeding Ticket
| Company | Average Rates with Clean Record | Average Rates with 1 Speeding Violation |
|---|---|---|
| Allstate | $318.33 | $373.63 |
| American Family | $224.47 | $252.15 |
| Farmers | $288.38 | $339.92 |
| Geico | $178.83 | $220.45 |
| Liberty Mutual | $397.86 | $475.11 |
| Nationwide | $228.85 | $259.47 |
| Progressive | $282.76 | $333.52 |
| State Farm | $235.10 | $265.50 |
| Travelers | $287.31 | $355.07 |
| USAA | $161.14 | $182.77 |
The national average for auto insurance rates after a speeding ticket is $1,910 annually or $159 per month. Metromile charges around $2,407 annually or $201 each month. Companies like State Farm often offer cheaper rates to individuals with speeding tickets.
How much is Metromile auto insurance after an accident?
You can expect to pay more for your car insurance coverage if you have an at-fault accident on your driving record. Most companies will charge higher rates if you have an accident on your record because of the increased risk of you filing another claim.
Average Monthly Auto Insurance Rates for Drivers with One Accident
| Company | Average Rates with Clean Record | Average Rates with 1 Accident |
|---|---|---|
| Allstate | $318.33 | $415.64 |
| American Family | $224.47 | $310.23 |
| Farmers | $288.38 | $376.56 |
| Geico | $178.83 | $266.06 |
| Liberty Mutual | $397.86 | $517.07 |
| Nationwide | $228.85 | $283.08 |
| Progressive | $282.76 | $398.09 |
| State Farm | $235.10 | $283 |
| Travelers | $287.31 | $357.48 |
| USAA | $161.14 | $209.69 |
The national average for auto insurance after an accident is $2,180 annually or $182 per month. Metromile charges higher rates. With Metromile, you’ll pay around $2,785 annually or $232 per month with an at-fault accident on your driving record.
Your rates should decrease once the accident disappears from your record. Avoid future accidents or claims to keep a clean driving record so you can enjoy lower car insurance rates.
How much is Metromile auto insurance with a DUI?
Anyone with a DUI on their driving record should expect to pay higher-than-average rates for car insurance. If you were caught driving under the influence, insurance companies will see you as a significant risk. Some insurance companies may refuse to offer coverage.
Average Monthly Auto Insurance Rates with One DUI
| Company | Average Monthly Rates with Clean Record | Average Monthly Rates with 1 DUI |
|---|---|---|
| Allstate | $318.33 | $521.73 |
| American Family | $224.47 | $360.85 |
| Farmers | $288.38 | $393.23 |
| Geico | $178.83 | $406.32 |
| Liberty Mutual | $397.86 | $634.46 |
| Nationwide | $228.85 | $378.60 |
| Progressive | $282.76 | $330.80 |
| State Farm | $235.10 | $303.07 |
| Travelers | $287.31 | $478.45 |
| USAA | $161.14 | $292.17 |
The national average for car insurance for someone with a DUI on their record is $2,601 annually or $217 per month. Metromile’s rates are comparable. With Metromile, you’ll pay $2,653 annually or $221 monthly for auto insurance with a DUI. Learn what a DUI is here.
A DUI can impact your car insurance rates for up to a decade, depending on where you live. You should shop for auto insurance annually to find the best auto insurance rates. You may be able to take a safe or defensive driving course to save money on rates if you have a DUI.
Is Metromile auto insurance cheap for people with bad credit?
Poor credit scores result in high auto insurance rates. Insurance companies know there’s a correlation between bad credit and a higher instance of auto insurance claims. To mitigate some of the risks involved, most insurance companies charge higher rates when people have bad credit.
Average Monthly Full Coverage Auto Insurance Rates by Credit Rating
| Insurance Company | Rates with Poor Credit | Rates with Fair Credit | Rates with Good Credit |
|---|---|---|---|
| Allstate | $295.92 | $196.83 | $166.08 |
| American Family | $202.67 | $136.25 | $115.50 |
| Farmers | $269.42 | $160.50 | $139.50 |
| Geico | $148.42 | $99.75 | $82 |
| Liberty Mutual | $354.67 | $226 | $176.67 |
| Nationwide | $165.67 | $132.92 | $120.42 |
| Progressive | $205.92 | $137.92 | $109.17 |
| State Farm | $199.83 | $117.58 | $90.92 |
| Travelers | $193.58 | $127.83 | $107.25 |
| USAA | $128.75 | $75.83 | $62.75 |
| Average | $226.25 | $148.42 | $123.08 |
The national average for car insurance with bad credit is around $2,757 annually or $230 per month. Metromile charges this demographic around $2,960 annually or $247 per month.
One of the best ways to get cheaper rates is to improve your credit score. If you have bad credit, try to pay off your debt without accumulating any more. Over time, your credit score will improve, and you’ll be eligible for cheaper auto insurance rates.
You should shop online and compare car insurance quotes at least once a year to see which company in your area offers the coverage you want at a price that works with your budget.
How much is a minimum coverage policy with Metromile?
Metromile’s rates for minimum coverage are cheaper than its full coverage car insurance rates. Still, you may find cheaper coverage with a different company.
Average Monthly Minimum Coverage Rates for the Top Auto Insurance Companies
| Insurance Company | Average Minimum Coverage Rates |
|---|---|
| Allstate | $50 |
| American Family | $48 |
| Farmers | $56 |
| Geico | $24 |
| Liberty Mutual | $64 |
| Nationwide | $49 |
| Progressive | $40 |
| State Farm | $34 |
| Travelers | $39 |
| Average | $45 |
The national average for minimum coverage car insurance is around $1,463 annually or $122 per month. Metromile charges around $1,782 annually or $149 per month for a liability-only car insurance policy.
A liability-only policy is cheaper, but it does not offer as much coverage as a full coverage policy with collision and comprehensive insurance. If you can afford a full coverage policy, you may want to consider it.
How much is full coverage with Metromile?
Rates for full coverage insurance are higher than minimum coverage rates because you’re paying for collision and comprehensive coverage. With Metromile, a full coverage policy also includes pet injury protection.
Average Monthly Full Coverage Rates for the Top 10 Auto Insurance Companies
| Insurance Company | Average Full Coverage Rates |
|---|---|
| Allstate | $166 |
| American Family | $116 |
| Farmers | $140 |
| Geico | $82 |
| Liberty Mutual | $177 |
| Nationwide | $120 |
| Progressive | $109 |
| State Farm | $91 |
| Travelers | $107 |
| USAA | $63 |
| Average | $123 |
The national average for a full coverage policy is $1,622 annually or $135 per month. Metromile charges around $2,059 annually or $172 per month for a full coverage policy.
metromile Discounts Available
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| Discount | Metromile auto insurance |
|---|---|
| Anti Theft | 9% |
| Good Student | 11% |
| Low Mileage | 7% |
| Paperless | 5% |
| Safe Driver | 14% |
| Senior Driver | 8% |
Metromile offers a few car insurance discounts that could help you pay less in monthly or annual rates. Some of the company’s discounts include:
- Safety devices. If your vehicle has alarms or other safety equipment, you could save money on coverage with Metromile.
- Anti-theft devices. Metromile offers discounts if your vehicle has anti-theft or vehicle-recovery devices.
- Good driver. If you have a clean driving record with no accidents or points on your license, Metromile may offer you a discount on coverage.
- Multi-car. You can get cheaper rates with Metromile if you insure more than one car with the company.
- Online quote. You can get a small discount on coverage with Metromile if you buy a policy after getting a coverage quote online.
- Paperless. If you choose paperless billing with Metromile, the company will take a small percentage off your monthly or annual premiums.
Metromile does not offer many discounts, but auto insurance discounts can help you save as much as 25% on your car insurance policy. If you are interested in purchasing car insurance with Metromile, you can call and speak with a company representative. A Metromile employee could help you learn how much you may save with specific discounts on coverage.
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How metromile Ranks Among Providers
Metromile operates in the competitive landscape of auto insurance, where several key players vie for market dominance. Understanding its main competitors provides valuable insights into the industry dynamics.
- Progressive Corporation
- Geico (Government Employees Insurance Company)
- State Farm
- Allstate Corporation
- Nationwide Mutual Insurance Company
In the ever-evolving auto insurance market, Metromile faces robust competition from industry giants, each striving to offer innovative solutions and attract a diverse range of drivers.
Metromile Auto Insurance: The Bottom Line
Metromile offers car insurance coverage in several states in the U.S. and is one of the best auto insurance companies for people who don’t drive often. With Metromile, you pay for auto insurance based on how often you drive. So, if you drive fewer than 10,000 miles annually, you may benefit from cheaper rates with the company.
Metromile offers usage-based auto insurance, which means the company tracks its policyholders’ driving habits to discern how safe they are behind the wheel. If you do not want your car insurance company to track you while you drive, Metromile may not be a good option for you.
Before deciding on car insurance, shop online and compare quotes from several companies in your area. Comparing quotes will help you learn which companies offer the coverage you’re looking for at an affordable price.
Frequently Asked Questions
How can I get a quote from Metromile?
Metromile offers quotes on its website, or you can call the company to speak with a representative.
How can I file a claim with Metromile?
You can file a claim with Metromile on the company website or by calling (888) 595-5485. You may need to provide personal information when you call to file a claim, so have your vehicle information on hand in case you need it.
Where does Metromile offer auto insurance?
Metromile car insurance is available in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. If you live in another state, you’ll need to look elsewhere for car insurance coverage.
Do other insurance companies offer pay-per-mile insurance?
Several well-known insurance companies offer pay-per-mile auto insurance as an option. For example, Allstate offers its Milewise program, Nationwide has SmartMiles, and Liberty Mutual offers the ByMile program. In addition, many insurance companies also offer usage-based auto insurance coverage.
Before you sign up for a pay-per-mile auto insurance policy, find and compare rates with other insurance companies, so you don’t overpay for your coverage.
What is Metromile Auto Insurance?
Metromile Auto Insurance is a digital car insurance company that offers pay-per-mile insurance coverage. They use a telematics device called the Metromile Pulse to track and charge customers based on the number of miles they drive.
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