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Metromile Car Insurance Review

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Things to remember...
  • Metromile car insurance may be a good choice for drivers traveling less than 10,000 miles annually
  • They currently offer coverage in eight states
  • A device must be installed in the vehicle to track monthly miles

Metromile is an insurance company that charges customers by the mile. Drivers pay a flat monthly base rate and then they pay an additional premium per mile driven.

A wireless tracker from Metromile plugs into the car’s diagnostic port and keeps track of the miles driven each month. The device does not store data on speed or braking like similar devices such as Progressive’s Snapshot and Allstate’s Drivewise.

Compare car insurance quotes right here to see how Metromile compares to other car insurance companies. Enter your zip code above to get started.

What to Know about Metromile

This car insurance company has applied for licenses in all 50 states but currently is available only in the following states:

  • Arizona
  • California
  • Illinois
  • New Jersey
  • Oregon
  • Pennsylvania
  • Virginia
  • Washington

Metromile and Uber have partnered for Metromile to provide car insurance for Uber drivers who are off the clock.

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Who is Metromile right for?

Metromile is a good insurance choice for people who travel few miles a year. The CEO of Metromile, Dan Preston explains, “Sixty-five percent of drivers pay higher premiums to subsidize the minority who drive the most.

“Our go to market strategy is focused on large urban areas and aimed at developing a brand with each city that we roll out into. The people who switch to pay-per-mile insurance commute differently. They take multiple forms of public transit, walk, bike or even ride-share to work so a usage-based option makes more sense to them.”

A person who drives 10,000 miles a year can expect to save about $300 annually compared to traditional car insurance plans, while those who drive 2,500 miles a year could save $650 annually.

Metromile is mobile-friendly and offers an app to allow customers to easily track their mileage and even be notified when their vehicle throws a diagnostic code.

Metromile offers free miles over 250 per day (150 miles per day in New Jersey), so customers don’t need to fear a huge car insurance charge for taking a road trip.

Metromile’s Car Insurance Coverage Offerings

Metromile offers the standard car insurance coverage types available from traditional car insurance companies including:

  • Bodily Injury
  • Property Damage
  • Uninsured/Underinsured Motorist Coverage
  • Collision
  • Comprehensive
  • Personal Injury Protection/Medical Payments
  • Rental Reimbursement
  • Emergency Roadside Assistance

First party coverage benefits, like comprehensive and collision coverage, are offered with a choice of deductible at $250, $500, and $1000.

Metromile offers a discount for insuring multiple vehicles with them. Other discounts vary by state.

Getting a Quote from Metromile Online

The Metromile website offers an online quote tool. Located prominently at the top of their page is a box to enter a zip code to begin a quote search. After entering a zip code, a potential customer will be prompted to give more information to calculate an accurate quote.

Customers seeking a quote should be prepared to give the following information:

  • Name
  • Address
  • Birthday
  • Vehicle Information
  • Marital Status
  • Driver’s License Number
  • Residence Status
  • Education Information
  • History of Traffic Violations
  • Email Address
  • Personal Information Regarding Spouse/Partner

Once all information is input, potential customers will receive an estimate of their premium based on that information.

Metromile’s Health

When choosing a car insurance provider, the monthly premiums are a primary focus, but other characteristics should be examined as well as they indicate the kind of customer experience likely.

Metromile is accredited with the San Francisco Better Business Bureau and has received an A+ rating with 4.59 out of 5.0 stars. Generally, customers in this area are highly satisfied with their interactions with Metromile

The financial health of an insurance company can indicate the ability of that company to pay claims now and in the future. A positive rating and outlook demonstrate a secure financial standing.

While Metromile itself is not rated by A.M. Best, a respected independent financial health rating agency, it is backed by National General Insurance Company which has received an Excellent rating and a Stable outlook.

Overall, the health of Metromile is good. They are a growing company with solid backing.

How to Save Money on Car Insurance

If you drive fewer than 10,000 miles a year, Metromile might be the best company for you, but you won’t know that for sure until you compare your quote from them with quotes from other companies.

To accurately compare quotes, you need to make sure you know what kind of coverage you’re looking for and then compare identical coverage types between different companies.

Basic coverage is the minimum level of protection required by the state in which you live. It generally covers damage you do to other parties’ vehicles and persons.

If you want protection for your own vehicle and person, you’ll need first party benefits including comprehensive and collision coverages as well as personal injury protection or medical payments plan.

To make the best decision on coverage, you need to be informed about the coverage types available and the terminology related to car insurance.

Right here on this page, we have a quote comparison tool. All you have to do is enter your zip code to get started, then you’ll be able to receive multiple car insurance quotes at once without having to re-enter all your information for each different company.

Our tool is free and easy to use! Get started now by entering your zip code below.

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