Online diagnostic tools, trip tracking, and built-in GPS make Metromile an attractive pay-per-mile car insurance provider.
Metromile is one of the only companies for pay-per-mile auto insurance in the United States. Highly affordable and easy to sign up, if you are looking for a new car insurance provider, Metromile could be the right fit for you.
In this guide, we will cover everything you need to know about Metromile car insurance, including reviews from their customers and how to apply for coverage.
Metromile is a car insurance company for the urban dweller or anyone who uses their car on a sporadic basis. Why pay for insurance if you hardly use your car? Metromile provides a more practical, affordable option.
Drivers are charged a low monthly base rate and then a per-mile rate above that. The service is designed for those who drive fewer than 12,000 miles a year.
For example, assume someone has a $50 base rate and a $0.05 per mile rate. If they drove 500 miles in a month, his monthly premium would be ($500 x $0.05) + $50 = $75 – much cheaper than your standard auto insurance.
Metromile charges its customers a monthly base rate, plus a per-mile rate. This means that drivers basically pay for insurance for the little bit that they drive, versus overpaying for the entire month.
Even then, Metromile’s monthly bill depends on how many miles users drive. Customers who want a lower monthly bill can plan ahead to bike, walk, or use public transportation a few days a week.
Every Metromile customer agrees to use Pulse. Pulse is an on-board device that plugs into your OBD-II port to track your mileage. GPS is included but can be turned off.
It also has these functions:
All miles up to 250 miles/day are free (150 miles/day in New Jersey).
However, you won’t be charged an arm and a leg if you go on a long road trip. Customers won’t be penalized with higher rates for driving long miles. They just have to pay for the miles they drive above 150 miles/day in NJ or 250 miles/day elsewhere.
Metromile car insurance is available in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.
Corporate offices are located in San Francisco, Boston, and Tempe.
Metromile consists of both a base and a per-mile rate. Therefore, the total cost is unique to each customer.
Here are the factors that Metromile takes into account when calculating rates:
Billing is a little different with Metromile because customers pay per mile. Hence their bill fluctuates from month to month.
When you enroll, you will be charged a first month’s base rate, plus any needed prepayment. The second month, you’re charged your base rate plus however many miles you drove the previous month.
Payment is made monthly and customers will only get one bill per month.
Metromile uses eDelivery for bills and correspondence. Policy documents are online or on the mobile app.
Metromile car insurance provides coverage for:
Coverage Limits and Deductibles
Here are your choices for liability, comprehensive, and collision coverage.
Bodily Injury & Property Damage Liability
Metromile also offers these services:
* **Rental car reimbursement ** * Available for comprehensive/collision * Pays up to $30/day for up to 30 days * **Roadside assistance** - Helps if you’re stranded, need a tow, or are locked out of your vehicle * Up to the distance outlined in your policy * Only for covered vehicles * **Pet injury protection** * Available for comprehensive/collision * Pays up to $1,000 if pets get injured in an accident * Not available in Illinois or Virginia * **No-deductible glass repair** * Available for comprehensive * If the whole glass doesn’t need replacement
Tips for Choosing the Right Level of Coverage
Here’s what you need to know to make sure you have the right coverage at the right price:
Here are some pros and cons we found about Metromile car insurance.
These are the discounts we found for Metromile car insurance.
After reading reviews around the web, some customers see savings with Metromile. Low-mileage drivers can enjoy lower rates.
However, there’s a trend of major statewide increases in states like California that got passed onto customers. This isn’t entirely Metromile’s fault as we know that 2017 was the worst year for insurers on record.
Some customers complain about increases in both their base and per-mile rate after three or four months. The increases wiped out the savings that lured them.
However, the majority of the Metromile reviews are positive, coming to a 3.5+ star rating on most major review sites.
“Metromile has worked out wonderfully for me since now that I'm retired and drive a fraction of my former mileage. I've saved several hundred dollars a year over what my previous insurance company had been charging me a high premium simply due to my age.” - Nancy
“Best auto ins. decision I ever made. Cut my monthly expense by around $100 and the payment setup is super easy and streamlined. The website is easy to navigate and the customer service agents were very patient and helpful when I first inquired.” - Wendy
Applying for Metromile can be done online or over the phone.
To get a quote online:
To get a quote by phone:
Filing an insurance claim is never a welcome experience. Metromile wants to make it simpler.
Here are the ways you can file a claim 24 hours a day, 7 days a week.
Most insurance providers only let you file a claim online or over the phone.
At Metromile, you can do it all from the app. AVA reconstructs the scene of the accident using data from the vehicle. Certain claims can be paid right away.
Corporate Office: 690 Folsom Street, Suite 200 San Francisco, CA 94107 Get a quote or start a new policy: 1-888-242-5204 Mon - Fri, 6am - 6pm, PT Customer support: 1-888-311-2909 Mon - Fri, 6am - 6pm, PT Cancel your policy: 1-888-244-1702 Mon - Fri, 6am - 6pm, PT Other methods: Twitter: @metromile Facebook: facebook.com/metromile Instagram: instagram.com/metromile/ Website: metromile.com/help/contact
No, Metromile only offers pay-per-mile personal auto insurance at this time.
Metromile is a top favorite for drivers looking for reduced rates for not driving their cars very often. It is much more affordable than overpaying for the month.
However, Metromile has been suffering from a horrible few years along with some other insurance companies due to state rate increases. The online reviews show customers disappointed in frequent rate and premium increases.
Hopefully, going forward Metromile will be more realistic in its initial rates.
Metromile could be a solid choice for car owners who drive fewer than 10,000 miles/year. Drivers can track their mileage through the app to make sure they’re getting the best savings.
Metromile is still working out some kinks of pay-per-mile auto insurance. As the company matures, many of its issues will disappear.
Yes, you should still file a claim. Your claims representative will walk you through the process. Then you can do the repair when you’re ready.
No. To sign up with Metromile you must consent to receive correspondence by email. Your policy documents are viewable on the app or on your online account.
No, it’s not required to use the app. Everything relating to your policy is viewable on your online account. The app provides extra tools you may find useful.
The base rate varies depending on how many days in the month there are. The base rate from January which has 31 days will be a bit different from June which has 30 days.
First, try taking the device out and putting it back in. If the red light still doesn’t come in, check that your OBD-II port is functioning. You might try installing the Pulse on another vehicle if possible.
If the red light still isn’t coming on, call Metromile at 1-888-311-2909 and they will send you another device. In certain cases, they can send out devices that work with your cigarette port instead.
If you don’t get trip data from your device on your app, double check that you have cell reception where you’re parked. If not, please move your vehicle to another location with reception.