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Intro
Metromile is a car insurance provider that sells pay-as-you-go insurance in seven states (and growing). With Metromile’s pay-per-mile insurance, drivers pay a small base rate plus a per-mile fee depending on how much they drive. Metromile installs a tracking device in the policy holder’s car to calculate how much they have driven. Pay-as-you-go car insurance is a great option for anyone who doesn’t use their car regularly.
Pros and Cons
Pay-per-mile insurance is the perfect type of car insurance for anyone who owns a car but doesn’t drive regularly. Most car insurance companies charge customers the same rate regardless of how much they drive. Metromile’s per-mile billing system comprises only a small monthly rate plus a per-mile rate, rewarding policy holders who drive less. If you’re the sort of person who only uses your car to get around on the weekend or has a very short commute to work, Metromile can save you hundreds of dollars per year on vehicle insurance.
Of course, if Metromile is good for people who drive less, then naturally it isn’t so good for people who drive more. Although Metromile doesn’t charge for miles driven after you pass 250 mi/d, if you even come close to the cap it does become much more expensive than regular car insurance.
The one glaring downside to this service is that Metromile is still only available in seven states (although the list is growing). Here are the states where Metromile currently operates: California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington.
Types of Auto Insurance
Metromile offers all the standard types of auto insurance and add-ons you’ll find with other car insurance providers. The only thing that is different about Metromile is the billing system, which works on a per-mile basis rather than a flat monthly insurance premium.
Here are the types of auto insurance offered by Metromile:
  • Bodily injury liability
  • Property damage liability
  • Collision
  • Comprehensive
  • Uninsured and underinsured motorist coverage
  • Personal injury protection / medical payments coverage
  • Rental reimbursement
  • Emergency roadside assistance
Additional Features
Because Metromile’s billing system is so different to other car insurers, we think it’s worth explaining how it works.
  • Policy holders pay a base rate starting from $29 per month and a per-mile rate starting from 6c per mile. Let’s say you drive 500 miles in a given month. Your insurance premium for that month would be $59 comprising the $29 base rate and $30 for mileage.
  • Like other insurance companies, the actual base rate and per-mile rate are determined by a variety of factors. These include driver age, credit history, driving history, type of vehicle, and length of insurance history.
  • Drivers are charged for every mile up to 250 mi/d (or 150 mi/d in New Jersey). You won’t be charged for any miles over the mileage cap. Miles reset at the beginning of each month.
  • Customers must agree to have the Metromile Pulse tracker installed in their car. This wireless device plugs into your car’s OBD-II port, counting your miles to calculate your monthly bill.
  • Choice between four levels of liability coverage.
  • Choice between $250, $500, and $1,000 deductible options.
  • Multi-car discount applies, with a reduced base rate and per-mile rate for each additional vehicle.
  • Pay-per-mile insurance doesn’t take into account factors like how fast you drive or how hard you brake. The only thing that goes into determining your premium each month is how many miles you drive.
{"":"All policies include access to Metromile’s smart driving app, which helps keep track of your trips, monitor your car’s health, and locate your car wherever you parked it. It even gives you street-sweeping alerts in major cities. With the Metromile driving app, drivers can see how their speed varies on each trip, how much they spend on gas, and how long each drive takes. These sorts of analytics are great if you’re looking to learn how little changes can cut down on mileage and gas costs."}
How to Apply
Although the billing system is different, a Metromile insurance application is still much the same as any other vehicle insurance application. Metromile let’s you apply online or over the phone. If you like your rate, you can e-sign and purchase car insurance instantly.
Be prepared to give the following information:
  • Name, address, and date of birth
  • Vehicle information, including make, model, and year
  • Information about your driving history and the driving record of any co-applicants
Filing a Claim
Even though customers pay on a per-mile basis, Metromile’s claims service is similar to other car insurers. With Metromile, you get access to a 24/7 claims team for help with regular claims, glass repair, or roadside assistance. Policy holders may file a claim through their Metromile smartphone app or by contacting the claims team at (888) 595-5485 or claims@metromile.com. According to Metromile, some claims are resolved within a few hours.
Contact Details
Interested in purchasing pay-per-mile insurance from Metromile? Its customer support staff are on hand Monday to Friday, from 6am-6pm Pacific Time (9am-9pm Eastern Time).
  • Phone: 888-242-5204
  • Address: Metromile Inc. 690 Folsom St #200, San Francisco 94107
Summary
Pay-per-mile insurance was introduced in the UK a few years ago and has recently made its way to the United States courtesy of a handful of innovative companies like Metromile. It’s sad fact of car insurance that millions of casual drivers get overcharged by insurers. Thankfully, Metromile now offers these drivers a way to pay only for the mileage they use. If you don’t drive every day, you are less likely to get in an accident than a person who drives long distances every day. Thankfully, Metromile recognizes this and offers casual drivers the chance to save hundreds of dollars on their car insurance premium every single month.