Metromile Auto Insurance Review [2020]

Metromile auto insurance reviews find a popular pay-per-mile insurance policy from this newcomer to the industry. Metromile car insurance costs less than $60/month, but rates vary depending on how much you drive. Metromile auto insurance quotes are unusual because they have a base rate and a per-mile rate. Metromile insurance is available in eight states.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Sep 4, 2020

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What You Should Know

  • Metromile auto insurance is a pay-as-you-drive (PAYD) insurance.
  • You can receive collision and comprehensive coverage from Metromile.
  • Your ZIP code determines Metromile rates.

Metromile auto insurance is one of few companies that offer true pay-per-mile car insurance. This usage-based insurance charges drivers on the number of miles they travel per month. Our Metromile auto insurance review will explain how the company works and how understanding auto insurance options can save you money. We’ll cover Metromile auto insurance rates and how Metromile car insurance quotes are different from traditional companies.

Metromile might not be available in your area, but you can still save on auto insurance. Just enter your ZIP code in the free comparison tool above.

What is Metromile Auto Insurance?

Metromile auto insurance is a pay-as-you-drive (or pay-per-mile) insurance company that started in 2014. The company has $140 million in total assets and provides auto insurance in eight states. They provide a variety of coverages and issue auto insurance rates based on the number of miles you travel per month.

Metromile reviews their claims like other car insurance companies. Contact the Metromile insurance phone number at 1-888-595-5485 to file a claim. You can reach the Metromile customer service line at 1-888-311-2909.

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Metromile Insurance Rates

We searched for Metromile rates but unable to find any that were available. Metromile costs depend on a low monthly rate plus the miles you drive. The miles you drive are then multiplied by cents per mile.

Your base rate could be $25 per month. Metromile will calculate your miles by cents. For example, one mile equals eight cents. Therefore, 300 miles for the month would be $24. Add $24 to your $25 base rate, and you’ll get $49 for the month. For exact numbers, you would need a Metromile quote.

The national average for auto liability insurance is about $47 per month. Check out the national average for auto insurance from the National Association of Insurance Commissioner’s (NAIC) research.

National Average Auto Insurance Rates by Coverage Type
Basic Coverage TypesAverage Annual Auto Insurance RatesAverage Monthly Auto Insurance Rates
Comprehensive$148$12
Collision$326$27
Liability$555$46
Full$1,029$86
Get Your Rates Quote Now

While comprehensive and collision insurance are cheaper on average, liability car insurance is required. Depending on the company, your coverage rates could be more expensive. According to the Insurance Information Institute, there are different financial responsibility limits for each state.

How does Metromile work?

Like most usage-based insurance options, Metromile uses a telematics device called the Metromile Pulse. This device plugs into the On-Board Diagnostics (OBD) port of your vehicle. As you’re driving, the Pulse will send information into the Metromile Mobile App. Metromile’s daily cap is 150 miles per day (250 miles per day for Washington customers).

This video explains how you can install a Metromile Pulse into an OBD port.

If you want to enroll in Metromile insurance, you’ll have to get a Metromile insurance quote from their mobile app or website. You’ll also have to agree to “electronic delivery.” This means you consent to send personal and vehicle information to Metromile electronically, mostly through the Metromile Mobile App. Once you set up a Metromile login, you should be able to access details, such as Metromile proof of insurance.

Metromile Insurance Reviews

Metromile has 171 reviews on GlassDoor and it was rated Best Place to Work in 2018. Metromile’s average GlassDoor review is 3.8 out of five stars. Metromile is a BBB accredited business with an “A+” rating. However, reviews of Metromile Insurance aren’t as good elsewhere. Metromile’s Yelp rating is 1.88 out of five stars. Metromile reviews from 2019 are being replaced by 2020 Metromile reviews on most sites.

What about Metromile customer and employee reviews? According to GlassDoor, 62 percent of former employees recommended Metromile jobs to a friend, and 73 percent of former employees approve of CEO Dan Preston.

The most reliable Metromile customer reviews come from the Google Play Store and Apple App Store. Metromile’s Mobile App rating is four out of five stars in the Google Play Store and 4.7 stars in the Apple App Store.

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Metromile Auto Insurance Availability by State

Metromile has applied for a license for all 50 U.S. states, but as of now, only provides coverage in eight:

  • Arizona
  • California
  • Illinois
  • New Jersey
  • Oregon
  • Pennsylvania
  • Virginia
  • Washington

They may expand in the near future.

Metromile Auto Insurance Coverages

Metromile offers several car insurance coverage types. Here’s a list of coverages that are available through Metromile.

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured/Underinsured Motorist
  • Collision
  • Comprehensive
  • Personal Injury Protection/Medical Payments
  • Rental Reimbursement

Comprehensive and collision coverage are offered with a choice of deductible at $250, $500, and $1000. Metromile provides a discount for insuring multiple vehicles. Discounts will vary by state. Metromile roadside assistance is also available. Ask Metromile about discounts and coverage that are available in your area.

To check out multiple pay-per-mile auto insurance rates near you, enter your ZIP code in the free comparison tool below.

Frequently Asked Questions: Metromile Auto Insurance

#1 – Is Metromile insurance any good?

Metromile appears to be one of the best pay-per-mile car insurance companies in the U.S. Although a lot of drivers have a Metromile vs. Geico debate about which is better, it’s ultimately a matter of opinion. The best way to measure Metromile and its competitors is to compare rates and coverages offered.

#2 – Does Metromile track speed?

Yes. Metromile’s Pulse device tracks speed, distance, and how much you spend on fuel.

#3 – How much does Metromile charge per mile?

It depends on where you live, your vehicle, and your age. How much Metromile costs per mile is usually calculated in cents.

#4 – Does Metromile drain your battery?

Metromile Pulse has little effect on your car battery. Just to be safe, though, unplug your Metromile Pulse after each trip.

#5 – Who owns Metromile insurance?

The owner of Metromile is Dan Preston.

#6 – Does Metromile have full coverage?

Yes, though will have to pay a deductible from $250 to $1,000.

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