Metromile Insurance Review & Ratings (2024)
Metromile Insurance: flexible and affordable auto insurance that adapts to your usage patterns, allowing you to customize your coverage based on your specific needs and save money on premiums. Discover the benefits of Metromile's innovative usage-based insurance today and experience a more personalized approach to auto insurance. With Metromile, pay for what you drive, not for what you don't.
Ty Stewart
Licensed Life Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Life Insurance Agent
UPDATED: Nov 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 26, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Metromile Insurance
Average monthly rate for good drivers:
N/AA.M. Best rating:
A- (Excellent)Complaint level:
LowPros
- Pay-per-mile model
- Good customer service
- Easy to use app
Cons
- Limited coverage area
- Billing error
Final Verdict: Review of Metromile Insurance
Metromile Insurance is a unique car insurance company that offers pay-per-mile policies to customers in select states across the United States. With this model, customers only pay for the miles they drive, making it an attractive option for drivers who don’t travel very far.
In addition to its pay-per-mile policies, Metromile Insurance also offers a range of other car insurance products and services, including liability insurance, collision coverage, and comprehensive coverage.
Metromile Insurance is known for its excellent customer service and user-friendly mobile app, which allows customers to track their mileage and manage their policies with ease. The company also offers a variety of discounts, including low mileage, multi-car, safe driving, anti-theft device, and homeowner discounts.
While Metromile Insurance has many strengths, including its unique pay-per-mile model and good customer service, the company is only available in a limited number of states. Additionally, some customers have reported issues with billing and pricing.
What You Should Know About Metromile Insurance
Welcome to our comprehensive guide on Metromile Insurance, a revolutionary insurance provider that offers personalized coverage based on your actual usage. We will delve into the key topics related to Metromile Insurance, including its innovative pay-per-mile insurance model, and exceptional customer experience. Whether you’re a low-mileage driver or someone who wants more control over their insurance costs.
To find out how Metromile Insurance can save you money while offering you the perfect coverage simply enter your zip code below. By doing so, you can compare rates from the best insurance providers in your area and discover the benefits of Metromile Insurance firsthand. Don’t miss this opportunity to optimize your insurance experience and only pay for the miles you drive with Metromile Insurance!
Metromile Insurance Coverage Options
Metromile Insurance offers pay-per-mile car insurance policies that allow drivers to pay based on how much they actually drive their cars. The company’s primary product is its pay-per-mile insurance policy, which charges drivers a base rate each month, plus a per-mile rate for the miles they drive.
In addition to its pay-per-mile policy, Metromile Insurance also offers a range of coverage options and additional features to customers, including:
- Liability coverage: This coverage protects drivers in the event that they cause an accident that results in bodily injury or property damage to another party. Metromile Insurance offers liability coverage in varying amounts, depending on the state.
- Comprehensive and collision coverage: These coverage options protect drivers against damage to their own vehicle in the event of an accident or other covered event, such as theft or vandalism.
- Uninsured/Underinsured motorist coverage:This coverage protects drivers in the event that they are involved in an accident with an uninsured or underinsured driver.
- Roadside assistance: Metromile Insurance offers optional roadside assistance coverage that can provide help with things like flat tires, dead batteries, and lockouts.
- Glass coverage: This optional coverage provides protection against damage to the vehicle’s windows and windshield.
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Metromile Insurance Rates Breakdown
The cost of Metromile insurance varies based on a variety of factors, including the driver’s age, location, driving record, and the make and model of their vehicle. Additionally, the cost of a Metromile policy will depend on the number of miles the driver is expected to drive, as the pay-per-mile model charges drivers a base rate each month, plus a per-mile rate for the miles they drive.
While the exact cost of a Metromile insurance policy will vary, the company does offer a free quote tool on its website that can help drivers estimate the cost of coverage. To get a quote, drivers can enter some basic information about themselves and their vehicle, including their age, location, and driving history, as well as their vehicle’s make and model. They can also indicate how many miles they expect to drive each year.
It’s worth noting that drivers who do not drive very much may be able to save money by switching to a pay-per-mile insurance policy with Metromile Insurance. The company notes that customers who drive fewer than 10,000 miles per year typically save an average of $741 per year by switching to Metromile insurance. However, the exact savings will depend on the individual driver’s circumstances.
Metromile Insurance Discounts Available
Metromile Insurance offers a variety of discounts to help customers save money on their car insurance premiums. Some of the most common discounts available include:
- Low mileage discount: As a pay-per-mile insurance company, Metromile offers significant discounts to customers who drive fewer miles. Drivers who travel less than 10,000 miles per year are often eligible for the biggest savings.
- Multi-car discount: If you have more than one car on your policy, you may be able to save money with Metromile’s multi-car discount.
- Safe driving discount: Metromile rewards safe drivers with lower insurance rates. Drivers with a clean driving record and no accidents may qualify for this discount.
- Anti-theft device discount: If your car is equipped with an anti-theft device, you may be eligible for a discount on your insurance premium.
- Homeowner discount: If you own a home, you may be eligible for a discount on your Metromile Insurance policy.
Frequently Asked Questions
What is Metromile Insurance and what is its mission?
Metromile Insurance is an auto insurance company founded in 2011 that provides pay-per-mile car insurance policies. Their mission is to make car insurance more accessible and fairer for all drivers by offering policies that allow drivers to pay for only what they use, rather than a set monthly premium. They aim to achieve this by providing innovative, personalized, and affordable car insurance coverage to drivers. The company is headquartered in San Francisco, California, and currently sells insurance in seven states including California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.
What products and services are offered by Metromile Insurance?
Metromile Insurance offers pay-per-mile car insurance policies as its primary product, charging drivers a base rate each month, plus a per-mile rate for the miles they drive. In addition to its pay-per-mile policy, Metromile Insurance offers a range of coverage options and additional features to customers, including:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured and underinsured motorist coverage
- Roadside assistance
- Rental car coverage
- Glass repair deductible waiver
- Pet injury coverage
How much does Metromile insurance cost?
The cost of Metromile insurance varies based on a variety of factors, including the driver’s age, location, driving record, and the make and model of their vehicle. Additionally, the cost of a Metromile policy will depend on the number of miles the driver is expected to drive, as the pay-per-mile model charges drivers a base rate each month, plus a per-mile rate for the miles they drive. While the exact cost of a Metromile insurance policy will vary, the company does offer a free quote tool on its website that can help drivers estimate the cost of coverage. To get a quote, drivers can enter some basic information about themselves and their vehicle, including their age, location, and driving history, as well as their vehicle’s make and model.
What is the A.M. Best rating of Metromile Insurance?
The A.M. Best rating of Metromile Insurance is A-. This rating signifies that the company has an excellent ability to meet its ongoing insurance obligations. A.M. Best is an independent rating agency that evaluates the financial strength and stability of insurance companies. The rating is based on a variety of factors, including the company’s financial strength, management strategy, and long-term outlook.
Who are the founders of Metromile Insurance?
Metromile Insurance was founded in 2011 by David Friedberg and Steve Pretre.
What states does Metromile Insurance currently sell insurance in?
Metromile Insurance currently sells insurance in seven states including California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.
Does Metromile Insurance offer any innovative features or technology?
Metromile Insurance offers an app that tracks mileage and offers other helpful features. The app allows customers to monitor their driving habits and mileage in real time, which can help them save money on their insurance premiums. The app also offers features like roadside assistance and help with finding a parking spot. Metromile Insurance is committed to offering innovative technology and features that make car insurance more user-friendly and convenient.
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Ty Stewart
Licensed Life Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.