Metromile Auto Insurance Review: Can you get affordable quotes? (2024)

What You Should Know About Metromile

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

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

What is Metromile auto insurance?

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

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

What are Metromile 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.

While comprehensive and collision are cheaper on average, liability coverage 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 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 coverage.

What do Metromile reviews say?

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 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.

What is 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.

What are available 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 premiums near you, enter your ZIP code in the free comparison tool below.

#1 – Is Metromile any good?

Metromile appears to be one of the best pay-per-mile car insurers 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.