Metromile Auto Insurance Review for 2025 (See Ratings & Cost Here!)

Explore our Metromile auto insurance review to learn about the company’s unique pay-per-mile model, with rates starting around $41 per month for low-mileage drivers.

Metromile bases rates on mileage and driving behavior, providing potential savings of up to 25%. As one of the best low-mileage auto insurance discounts, it offers flexible coverage options and roadside assistance. However, the company operates in just eight states.

Metromile Auto Insurance Rating

This review covers coverage options, available discounts, and factors that impact your Metromile rates, helping you decide if it’s the right choice for you.

And to see if you can save money on your auto insurance rates, enter your ZIP code in our free quote tool to compare rates from different companies in your area.

Essential Details About Metromile Auto Insurance

Metromile only offers pay-per-mile insurance, which can save drivers money if they don’t drive very often. Along with other usage-based insurance (UBI) programs, Metromile Insurance Company offers low rates for people who don’t often use their cars, making it a great option for cheap usage-based auto insurance.

While Metromile has a new owner, you can still buy car insurance policies under the name Metromile. While pay-per-mile insurance can help cut down your rates, it’s not the right fit for everyone. Keep reading to discover what Metromile auto insurance has to offer, then shop rates with other pay-per-mile providers to find the best price you’re able to get.

Metromile Auto Insurance Rates: Monthly Pricing by Coverage Level, Age, & Gender

Metromile offers flexible auto insurance rates based on coverage level, age, and gender. Auto insurance rates by age show minimum coverage starting at $41 for seniors and full coverage starting at $104 for older drivers. Younger drivers, especially under 25, may see higher premiums, ranging from $179 to $591 depending on age and coverage.

Metromile Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

This table gives great high-level information about how Metromile is priced, allowing potential customers to easily compare prices by age, gender, and other factors to find the best coverage for their unique situation. Whether you’re looking for basic protection or more comprehensive coverage, Metromile tailors its offerings to suit a variety of drivers.

The detailed pricing table above helps you compare Metromile’s rates across different coverage levels, ages, and genders. Whether you’re a young driver or a senior looking for coverage, Metromile’s flexible options ensure you can find a plan that fits your budget and needs.

Metromile Auto Insurance Rates Based on Driving History

Metromile auto insurance rates vary based on driving history, with monthly premiums for minimum coverage starting at $44 for drivers with a clean record. Rates increase for those with driving violations, such as $50 for one accident, $60 for one DUI, and $75 for a ticket. Full coverage auto insurance is also offered, and rates are adjusted according to driving record.

Metromile’s rates are designed to ensure that your driving history closely reflects your prices, thus providing you with low rates if you’re a safe driver and high, expensive rates if you have violations. Shop online — get multiple quotes and compare coverage options that fit your needs and driving record.

Metromile vs. Top Competitors: Auto Insurance Rates by Age and Gender

Compare Metromile auto insurance rates to top competitors based on age and gender. For young drivers, Metromile offers competitive pricing, with rates starting at $129 for a 16-year-old female and $136 for a 16-year-old male. This makes Metromile a good option for cheap auto insurance for 16-year-olds.

Metromile Auto Insurance Monthly Rates vs. Top Competitors by Age & Gender

When compared to major providers like Geico, State Farm, and Allstate, Metromile’s premiums are often more affordable, making it a strong option for low-mileage drivers. This table helps you see how rates differ depending on which insurance company you choose, and when you compare rates side-by-side you’ll see how it varies with your specific age and gender.

Comparing Metromile’s rates with those of other major insurers will help you make a sound decision about which auto insurance is best for your age and driving needs. Whether you’re a young driver or looking for affordable coverage, this comparison will help you find the right option.

Metromile Auto Insurance Coverage Options: Liability, Collision, and More

You’ll need to have a minimum amount of car insurance to legally drive in the eight states Metromile serves.

At Metromile, telematics is at the core of our pay-per-mile insurance.

Sr. Product Manager of Telematics, YewYin N., shares how we use telematics to accurately measure risk and help make our streets safer for everyone:

— Metromile (@Metromile) July 7, 2022

Drivers with car loans or leases also need full coverage until they own the vehicle outright. Due to these requirements, Metromile sells the basic coverage options you may need:

• Liability Insurance: You are responsible for damage that you cause to other drivers and to their property in an at-fault accident.
• Collision Insurance: If you’d like to receive assistance repairing your car after it’s been damaged in a collision, you need collision insurance. Collision: covers accidents with other drivers and with stationary objects.
• Comprehensive Insurance: There’s a lot more than car accidents that can damage your car. Comprehensive auto insurance covers damage from weather, fire, vandalism, theft, and animal contact.
• Uninsured/Underinsured Motorist: Despite car insurance being mandatory in most states, not every driver has it. Uninsured/underinsured motorist coverage covers you if another driver hits you and he or she doesn’t have adequate insurance.
• Medical Payments and Personal Injury Protection: The specifics vary, but medical payments or personal injury protection (if you live in a no-fault state) can help cover the cost of health care you need after an accident.

If you buy Metromile’s collision and comprehensive car insurance, your policy automatically comes with $1,000 of pet injury coverage (up to $1,000).

You can also add roadside assistance, rental car reimbursement, and a collision deductible waiver to your policy. The collision waiver waives your deductible if an uninsured motorist strikes you.

Metromile Auto Insurance: Strong Ratings, Customer Satisfaction, and Reliable Coverage

You can get more information about Metromile ratings here and for the most part, it got good ratings from different agencies that is good for your business practices and customer service. Metromile gets above-average satisfaction with an 845/1,000 score from J.D. Power, while Consumer Reports scores it a decent 74/100 for good feedback. They are rated A- (Excellent) for Financial Strength by A.M. Best.

Metromile Business Ratings and Consumer Reviews

A Reddit user shares their positive experience with Metromile, noting they save around $40 a month compared to Geico. They highlight the app’s features, such as real-time location tracking and error code alerts, although they haven’t needed to use the claims process in over 15 years.

On Reddit, they also emphasize the importance of full coverage, including roadside assistance, uninsured motorist coverage, and uninsured motorist property damage coverage, all offered at a reasonable monthly cost. The reviewer praises Metromile’s customer service on Reddit, describing it as professional and helpful.

Such strong ratings across several rating agencies see that Metromile is rated as a company that backs consumer-focused services. Whether you are eyeing their services for the first time or just in the market for more info, these reviews tell us Metromile is a fierce contender in the auto insurance market.

Metromile Auto Insurance: Flexible Pay-Per-Mile Plans for Low-Mileage Drivers

Metromile offers pay-per-mile auto insurance, providing affordable rates starting at $41 per month for low-mileage drivers. With potential savings up to 25% for safe driving, the company’s flexible coverage options cater to infrequent drivers. Factors that affect auto insurance rates, like driving patterns, location, and vehicle type.

However, it operates in only eight states and may not be ideal for high-mileage drivers. While its unique pricing model can save money, Metromile’s customer service and availability may not suit everyone.

Pick the cheapest auto insurance available by entering your ZIP code in our free quote comparison tool.