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Metromile Insurance review

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Metromile is a pay-per-mile car insurance company founded in 2011. The company advertises significant cost savings for low-mileage drivers who switch from a traditional carrier. Instead of employing local agents, the company operates through a network of nearly 900 independent agents that policyholders connect with digitally.

Perks Drawbacks
Policyholder premiums are based on the number of miles driven, which may translate to lower rates for low-mileage drivers Extremely high number of complaints filed with the National Association of Insurance Commissioners (NAIC)
Fully digital experience caters to policyholders who prefer managing their policies online Policies only offered in eight states
Mobile app rated highly on Google Play and the App Store Metromile agents work remotely via the company’s digital platform, which means speaking to a local agent typically isn’t an option

Metromile offers coverage in eight states: Washington, California, Oregon, Illinois, Arizona, Virginia, Pennsylvania and New Jersey. According to the company’s website, drivers who switch to Metromile save an average of 47% on their insurance. The company caters to individuals who want to pay for their car insurance based on how far they drive. For occasional drivers, it could be a great way to save money without sacrificing coverage.

Metromile car insurance

Metromile car insurance may be a competitive option if you’re looking for basic coverage with a pay-per-mile payment system. The company operates fully online, so if you prefer to manage your policy digitally, Metromile may appeal to you. As a relatively small provider by market share, the company is unrated by J.D. Power and AM Best. Metromile has an extremely high complaint index of 5.94 based on the NAIC Complaint Index, which may mean many customers are unsatisfied with their service. However, the company’s mobile app has a rating of 4 out of 5 stars on Google Play and 4.7 out of 5 on the App Store, showing general satisfaction with Metromile’s digital experience.

Like most auto insurance companies, Metromile offers basic coverage car insurance, such as different levels of liability insurance, comprehensive coverage, collision coverage, personal injury protection (PIP), medical payments coverage, uninsured motorist and underinsured motorist coverage. It also offers a few add-ons like glass repair, roadside assistance, pet injury protection and rental car reimbursement.

Metromile car insurance cost

Rate data pulled from Quadrant Information Services does not include average rates for Metromile car insurance. However, the company’s website details that a Metromile policy costs $29 per month, plus a per-mile fee. Per-mile fees vary depending on your personal characteristics. Imagine you have a per-mile fee of $.06. If you were to drive 200 miles in a month, you would pay a mileage rate of $12, plus the monthly base premium of $29, making your total monthly rate $41. If you’re an infrequent driver, a Metromile policy could be cost effective. The national average cost of full coverage car insurance is $1,771 annually, according to our 2022 study of quoted annual premiums. By contrast, if you were to drive 200 miles per month with Metromile, like the example above, your annual premium would be $492. Keep in mind that rates advertised by the provider can’t be verified unless you get a quote and are subject to change.

Metromile calculates your per-mile rate based on factors such as your claims history, driving record and vehicle make and model. The following life events may affect your car insurance premiums.

National average annual full coverage premium
Clean driving history $1,771
Speeding ticket conviction $2,138
At-fault accident $2,521
Adding a teen driver* $3,852

*Teen rates reflect the cost of a male or female 16- or 17-year-old driver and their married parents on one full coverage car insurance policy.

Metromile car insurance discounts

The only traditional car insurance discount that Metromile advertises is a multi-car discount that lowers your per-mile rate when you insure two or more vehicles with the company. In addition, the company’s website 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 advertised by the insurer is $541. You may want to consider contacting the company for a quote to get a more accurate idea of how much you would pay.

Metromile car services

The company doesn’t advertise any car services other than insurance.

Other Metromile perks worth considering

This Metromile insurance review wouldn’t be complete without a discussion of the company’s unique perks. As a newer digital insurance company specifically dedicated to pay-per-mile auto insurance, the company offers fewer product lines than most large insurance companies. Metromile doesn’t offer home insurance or life insurance, local agents, umbrella insurance, financial products or classic car insurance. However, for shoppers looking for any of the following features, Metromile may be an attractive option.

  • Highly-rated mobile app: As a digital company, maintaining easy-to-use, high-quality online tools is important. Metromile’s mobile app is rated 4 out of 5 on Google Play and 4.7 out of 5 on the App Store.
  • Roadside assistance: Having roadside assistance coverage can give you peace of mind if you find yourself with an empty gas tank, flat tire or in need of a tow.
  • Numerous agents: Metromile hosts more than 880 independent agents, ready to help customers buy a new policy or navigate an existing policy.
  • Potential cost savings: The company advertises the ability for low-mileage drivers to save hundreds of dollars per year.

Metromile social responsibility

Metromile does not advertise any social outreach projects on its website.

Not sure if Metromile is right for you? Consider these alternatives

Metromile is a small digital provider. While it could provide cost savings for certain drivers, it may not be for everyone. If you’d like to research additional car insurance carriers, you may want to start with the following list of auto insurance companies.

  • Allstate: If you want pay-per-mile insurance, but prefer large companies that offer various product lines, you may want to get a quote from Allstate, which offers its own pay-per-mile program called Milewise®.
  • State Farm: State Farm won a Bankrate Award for best auto insurance company overall based on its low premiums, nearly nationwide coverage and high claims satisfaction. If you’re looking for a company with high customer satisfaction ratings and low average premiums, you may want to get a quote from State Farm.
  • USAA: If you’re a military member, veteran or qualifying family member, you may want to get a quote from USAA, which tailors its offerings to military personnel. The company consistently receives high customer satisfaction scores from J.D. Power and tends to offer competitive average rates.


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:


  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Teens: Teen rates were calculated by evaluating average rates for a 40-year-old male married to a 40-year-old female who own their own home with a 16- or 17-year-old driver (male or female) on their policy. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor