Metromile Insurance review

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In almost every state, drivers planning to legally operate a vehicle on the road are required to carry car insurance. While there are plenty of auto insurance carriers to choose from, your particular driving habits may match certain insurance companies better than others. If you are someone who does not drive very often, Metromile car insurance may be the right policy for you.

Metromile is the leading pay-per-mile car insurance company in the country. Since its founding in 2011, the company has expanded coverage to eight states, saving drivers an average of $741 per year on their insurance. Metromile caters to individuals who want to pay for their car insurance based on how far they drive and for occasional drivers, it is a great way to save money without sacrificing coverage.

Metromile car insurance

Metromile fills an important gap in the insurance industry—insuring infrequent drivers who do not want to pay a huge premium for car insurance. Metromile is a perfect option for people who only use their car a few times per month. The company offers all the same coverages you would find from a national provider at a much lower cost.


Metromile offers basic coverage car insurance, as well as a few add-ons. Here are the coverage options you have with Metromile:

  • Full coverage: Metromile offers full coverage car insurance, including collision, comprehensive, liability and medical payments coverage.
  • Roadside assistance: Roadside assistance is an add-on policy that offers coverage for lockouts, flat tires and towing.
  • Glass repair: If your windshield or windows get damaged in a covered claim and you have comprehensive insurance, you will not have to pay a deductible towards the cost of glass repairs.
  • Rental car reimbursement: Metromile will pay for a rental car up to $30 a day for up to 30 days if your vehicle is in the shop after a covered accident.
  • Pet injury protection: Pet injury protection is included for free as part of all full coverage policies, with the exception of policies in Illinois and Virginia. Metromile will pay up to $1,000 if your dog or cat is hurt in a covered accident.


Metromile insurance does not advertise many discounts on its website. Currently, the only way to get a lower rate is to insure multiple vehicles with Metromile. Because the company only sells personal car insurance, there is no option for policy bundling. However, the multi-car discount provides savings on each vehicle and your per-mile rate.

Depending on how often you drive, Metromile’s pay-per-mile model could save you a lot of money regardless of discounts. You can get a Metromile quote anytime using the online rate tool.

How much does Metromile cost?

Metromile charges a monthly base rate, plus a small fee for every mile you drive. According to the website, monthly rates start at $29 and vary depending on personal factors like where you live, your driving record, your claims history and your age. The per-mile rate is just a few cents, and if you drive more than 250 miles in one day, you do not get charged past that distance.

You can check out Metromile’s website for a more detailed breakdown of the cost. For example, the company claims that drivers who travel 2,500 miles per year can save $947 annually on their car insurance. For drivers who travel 10,000 miles per year, the average savings is $541.

Metromile ratings, reviews, customer satisfaction and complaints

Metromile does not have as many industry ratings as other national insurance companies like Allstate or Geico. However, Metromile has an extremely high complaint rate based on the NAIC Complaint Index. As of 2020, the company’s complaint index was nearly twice as high as the insurance industry average based on 25 customer complaints.

The Metromile App

Metromile uses a small in-car device to track drivers’ mileage. The device connects to a mobile app where drivers can see how far they have gone and how much they are paying for insurance.

The Metromile app can also be used to file a claim and manage your policy. If your car is stolen while the in-car device is installed, you can even use the mobile app to see where your car is using the GPS locator.

The Metromile app is available for iOS and Android devices and gets great reviews by customers. On the Apple App Store, the Metromile app has a 4.7 star rating based on over 18,000 reviews. It has a 4-star rating on the Google Play Store based on over 900 reviews.

Reasons Metromile is a good option

Metromile is a great option for drivers who travel short distances and do not want to pay a huge premium for car insurance. This makes it ideal for college students, retirees or anyone working from home

The pay-per-mile model is more affordable for infrequent drivers, but it still offers standard coverage. In addition to full coverage insurance, Metromile also has roadside assistance, deductible-free glass repair coverage and even pet coverage.

Frequently asked questions

How much does Metromile insurance cost?

Metromile charges drivers a monthly base rate plus a small charge for each mile driven. Metromile advertises that monthly rates start at just $29 per month and the fee for each mile is just a few cents. If you drive more than 250 miles in one day, you will only be charged the per-mile fee for those 250 miles. That means if you drove 300 miles in one day, you will essentially get the remaining 50 miles free.

Where is Metromile insurance available?

Metromile currently sells personal car insurance in eight states—Washington, California, Oregon, Illinois, Arizona, Virginia, Pennsylvania and New Jersey. However, not all coverages are available in every state.

How does Metromile track driving distance?

When you buy a car insurance policy from Metromile, you will be mailed a small telematics device, called the Pulse, which plugs into your car’s diagnostics port and tracks your mileage. You can use the Metromile app or online portal to see how far you have driven each day, and based on the per-mile rate, determine how much you will pay for insurance each month. The Pulse device is GPS enabled which can help you recover the car if it is stolen and collects basic information about your car’s health.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as, The Simple Dollar, and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor