Allstate Milewise Review (2024)
Our Allstate Milewise review explains how drivers can save up to 15% with low-mileage auto insurance. Allstate Milewise only tracks mileage, not driving habits, making it an affordable option for high-risk drivers. Compare Allstate Milewise costs below starting at $60/mo to get cheap insurance by the mile.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
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UPDATED: Feb 26, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Milewise is Allstate’s pay-per-mile insurance program
- Allstate tracks your mileage to determine how much you pay for coverage
- Milewise is available in 21 states
Milewise is Allstate’s pay-per-mile auto insurance program that determines how much you’ll pay each month based on how many miles you drive. If you’re looking for auto insurance for infrequent drivers, Milewise might be the best choice.
Explore this Allstate Milewise review to see if it’s the best pay-per-mile auto insurance for your needs. Then, compare your options with other companies to find the cheapest pay-per-mile auto insurance.
Allstate Milewise Explained
Milewise is Allstate’s pay-as-you-go insurance program that helps low-mileage drivers keep their rates down.
The average American drives 13,500 miles per year, or a little over 1,000 per month. If your annual mileage is close to or over the average, you should consider a different usage-based insurance program like Drivewise to lower your car insurance costs.Scott W. Johnson Licensed Insurance Agent
Pay-per-mile insurance isn’t right for everyone, but it can help the right type of driver save significantly on their coverage.
When you’re looking for cheap usage-based auto insurance, Milewise might be the best choice, especially if you’re already an Allstate customer. Before signing up, you should be aware that Milewise doesn’t only track your miles — it also looks at things like when you drive, speeding, and hard braking.
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Allstate Milewise Pros and Cons
Like other auto insurance for limited-use vehicles and drivers, Milewise has its benefits and disadvantages. When you sign up for Milewise, you can expect the following pros:
- Lower monthly rates
- Personalized driving recommendations
- Earn Allstate rewards points for safe driving
While it makes it easy to save, there are a few drawbacks you should be aware of with Milewise. These include:
- Only available in 21 states
- Device tracks your car all the time, even when you’re a passenger
- Your data is always tracked, which some drivers are uncomfortable with
Milewise might be the best choice for you, but you’ll need to be an Allstate customer to purchase it. Learn more about Allstate in our comprehensive Allstate auto insurance review.
Allstate Milewise Customer Reviews and Complaints
When you’re looking for the best pay-as-you-go auto insurance companies, looking at customer reviews is one of the first steps you should take. Allstate’s Milewise tends to get positive reviews.
Many customers report that Milewise significantly reduces the amount they pay for coverage, especially drivers looking for auto insurance for telecommuters.
However, some customers reported that they didn’t understand what Milewise tracked and felt like their rates were unfairly high. You can avoid this by reading this guide or speaking with a representative before signing up.
As for Allstate Milewise device reviews, most users agree that the plug-in device and app work as they should. Many drivers are impressed with the accuracy of Allstate’s tracking abilities.
Comparing Allstate Milewise Insurance Rates
Comparing your pay-per-mile insurance options is an important step in finding the best coverage for your needs. Check out the table below to see how Milewise stacks up against its biggest competitors.
Company | Program | Tracking Method | Monitoring | Availability | Potential Savings | Monthly Rate |
---|---|---|---|---|---|---|
Allstate | Milewise | Plug-in device | Mileage | 21 states | 15% | $124 |
American Family | DriveMyWay | Mobile app | Driving behavior | Utah only | 20% | $100 |
Geico | DriveEasy | Mobile app | Driving behavior | 33 states | 25% | $110 |
Liberty Mutual | RightTrack | Plug-in device | Driving behavior | 41 states | 30% | $120 |
Nationwide | SmartMiles | Plug-in device | Mileage | 45 states | 20% | $110 |
Noblr | Noblr | Mobile app | Driving behavior | 10 states | 15% | $120 |
Progressive | Snapshot | Mobile app | Driving behavior | 12 states | 30% | $135 |
Root | Root | Mobile app | Driving behavior | 34 states | 25% | $130 |
State Farm | Drive Safe & Save | Plug-in & mobile | Mileage & driving | 49 states | 30% | $130 |
Travelers | Intellidrive | Plug-in device | Driving behavior | 38 states | 20% | $120 |
As you can see, Milewise is a solid option compared to its competitors. To learn more, you can check out our State Farm vs. Allstate auto insurance comparison.
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How Allstate Milewise Works
Unlike traditional insurance policies that set a flat fee you’re charged every month, Milewise only charges you for the miles you drive. The amount you’re charged is made up of two parts, which you can explore below.
The best Allstate Milewise mileage is 7,000 miles per year or less. You’ll likely still see savings if you drive a bit more, but the best savings are for people who put a limited number of miles on their car.
How to Install Allstate Milewise
Milewise is an easy way to save on your coverage when you’re trying to figure out how to get a low-mileage auto insurance discount. Signing up for Milewise is as simple as following these steps:
- Sign up for Milewise by speaking with an Allstate representative
- Plug in the device in your car’s diagnostic port once you receive it
- Download the Allstate app
Milewise will begin tracking your miles as soon as you plug in the device and start driving.
Allstate Milewise vs. Allstate Drivewise
When it comes to UBI programs, many drivers confuse Allstate Milewise vs. Drivewise because they’re similar programs. However, there are some key differences between each. Check the table below to see the differences.
Feature | Milewise | Drivewise |
---|---|---|
Policy Add-On | No | Yes |
Tracking | Mileage | Driving Behavior |
Availability | 21 States | All States Except NY |
Discount | Up to 15% | 25% |
Monthly Rates | $124 | $83 |
While they’re not the same, Drivewise can be a good alternative if you’re concerned about annual mileage affecting insurance rates and if Milewise isn’t offered in your state. You can learn more in our Does annual mileage affect auto insurance rates? review.
Allstate Milewise Review: Bottom Line
Milewise by Allstate is an excellent pay-per-mile insurance program, especially for drivers who are already Allstate customers. However, the program is only available in 21 states, meaning you might have to find an alternative for low-mileage insurance.
As with standard policies, you should compare your options before signing up for Milewise. Many companies offer low-mileage insurance, and you might find a program that suits your needs better than Milewise.
Frequently Asked Questions
Is pay-per-mile auto insurance a good idea?
Pay-per-mile auto insurance is a good idea if you’re an infrequent driver. The best annual mileage for cheap insurance is 7,000 miles per year — if you drive more than that, pay-per-mile insurance might not save you money.
Are Allstate Milewise reviews good?
Allstate Milewise complaints are generally low, but the program isn’t considered as good because it’s only available in a few states.
Does Allstate Milewise track my speed?
One of the things Milewise tracks is your speed. To keep your rates as low as possible, Allstate suggests avoiding driving over 80 mph.
Does Allstate Milewise use GPS?
Yes, Milewise uses GPS tracking to determine how many miles you drive each day. Reviews state that there aren’t many Allstate Milewise device problems when it comes to GPS tracking.
How is Allstate Milewise tracked?
Milewise uses a device that plugs into your car to track your daily miles. The device pairs with the Milewise app so you can see exactly how many miles you drive.
Does Allstate use telematics?
While Allstate offers programs that use telematics (like Milewise and Drivewise), a standard Allstate policy does not track your driving.
What is the difference between Allstate Milewise and Drivewise?
Both Milewise and Drivewise track your driving habits, including the miles you drive, when you drive, and speeding. The big difference between these programs is that Drivewise offers safe drivers a discount on their regular policies, while Milewise determines your monthly rates by how much you drive.
When did Allstate start Milewise?
Allstate started its insurance for low-mileage drivers in 2016 when it launched Milewise.
What is the Allstate Milewise daily cap?
Allstate stops charging you once you reach 250 miles in a single day. In some states, the cap is 150 miles.
Will my Allstate auto insurance rates go up if I drive more miles?
If you have a regular Allstate policy, your mileage won’t increase your rates. If you sign up for Milewise, your rates will increase with every mile you drive.
What is the best mileage for cheap Allstate Milewise insurance?
The best mileage to keep Allstate Milewise costs low is under 20 miles per day. While you can still save if you drive more miles, you won’t see as good of rates.
What’s the best pay-per-mile auto insurance program?
While the best low-mileage auto insurance program depends on your situation, most drivers agree that Allstate’s Milewise is one of the best programs. Other excellent options include companies like Metromile and Mile Auto.
Is Allstate pay-per-mile worth it?
Pay-per-mile insurance is worth it if you’re a low-mileage driver. There are plenty of companies that offer insurance by the mile, but many drivers suggest using Milewise.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.