Metromile Car Insurance Quote

Metromile Car Insurance Quote

Since its 2011 debut in San Francisco, Metromile has offered mileage-based auto insurance policies that allow drivers to pay fares based on their mileage. The company monitors the mileage of its policyholders with a special Metromile pulse device. According to a Metromile study, people who drive less than 10,000 miles a year can save $1,000 a year.

On average, Metromile car insurance costs $93 per month. If your goal is to offer the best auto insurance deals, you should shop around and explore your auto insurance options. Insurify lets you compare auto insurance quotes instantly. Receive personalized offers in five minutes or less. The best part? Free.

Metromile industry ranking and results map

Industry ratings for financial stability and customer satisfaction are designed to give consumers confidence when choosing an insurance company. Metromile was not created by J.D. Power, AM Best, Standard & Poors, or other rating agencies. Moreover, his ranking in the National Association of Insurance Commissioners is surprising and raises more red flags.

Industry Ranking Metromile Rating
NAIC Complaint Index Far more complaints than average

Metromile Car Insurance Quotes by Driver History

Most auto insurance companies consider factors such as your age, geographic location, and driver’s license when making an auto insurance quote. However, Metromile is different. Fares are based on how far you travel. If you rarely drive, you can save money with one of Metromile’s unique mileage insurance policies.
Driver Profile Metromile Average Monthly Premium National Average
Clean Record $94 $77
DUI $180 $155
At-Fault Accident $112 $113
Speeding Ticket $136 $104

Metromile Car Insurance Quotes by State

Metromile is only available in eight states. Your location plays a role in your auto insurance quote. If you live in a densely populated area that tends to have higher rates of accidents and theft, you will pay more than in the countryside. Your car insurance will also cost more if your area is notorious for bad weather.
State Metromile Average Monthly Premium
Arizona $91
California $116
Illinois $88
New Jersey $101
Oregon $90
Pennsylvania $95
Virginia $70
Washington $101
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Metromile Car Insurance Pros and Cons

Metromile is best for drivers with low mileage. If you only use your car occasionally, it’s a good idea to check Metromile’s car insurance. This can be a good option if you work from home, stay at home, retire, or just don’t travel far.

Pros

  • Low mileage drivers
  • Pet injury protection comes with most plans

Cons

  • Your driving will be frequently monitored
  • High mileage drivers

Metromile Car Insurance Discounts

Metromile offers car insurance discounts to make your policy cheaper. However, they are different in every country. Discounts available in one country may not be options in another, so it’s important to explore options based on where you live.

Driver-Based Discounts

Save money on your car insurance with some Metromile car discounts. This takes effect as soon as you add a second vehicle to your policy. If you are a good driver with an impeccable history, you can also qualify for a discount. Adult driver discount applies to adult drivers who drive responsibly.

Policy-Based Discounts

Only if you sign up for a paperless statement are you eligible for a paperless discount. Metromile also offers discounts for getting deals online. There are also ongoing coverage discounts where you get great coverage with no gaps.

Bundling Discounts

You can save up to 15 percent if you combine your Metromile car insurance with homeowners insurance from our partner Hippo. Metromile also provides loyalty discounts to existing policyholders.

Metromile Car Insurance Coverage Options

Metromile offers liability insurance that covers injury or damage to other people’s property if you are at fault in an accident. Motor vehicle liability insurance pays for damage, theft, and vandalism to your vehicle. In addition, insurance companies offer health insurance for medical expenses that you and your passengers may incur after an accident.

Roadside Assistance

Roadside assistance can help in an emergency while driving. Includes towing, battery starter, tire change, locksmith service, and more. This can be a wise investment if you travel from time to time.

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Collision Deductible Waiver

If you are involved in an accident with an uninsured driver, a Metromile permit for collision reduction can alleviate the situation. This will cancel your deductions in the event of a collision, provided you can provide the name or plate number of the person responsible for the damage.

Comprehensive Coverage

Full coverage will help you if your car is stolen or damaged for reasons other than a car accident. This could be fire, vandalism, broken glass, theft, falling objects, or anything else that is beyond your control. You can choose the amount to be deducted. When combined with collision insurance, policyholders can receive a full-coverage plan.

Personal Injury Protection (PIP)

PIP is not the same as health insurance, which only makes medical payments for you and your passengers. PIP also covers lost income, funeral expenses, and basic services. It is important to note that PIP coverage is conditional and not available everywhere.

Metromile Car Insurance Reputation

If you surf the web to learn more about Metromile, you will find that your insurance provider has mixed reviews. Some policyholders and experts appreciate cheap coverage options for slow drivers. Others are frustrated by limited coverage, slow claims processing, and sudden speed increases.

Metromile Customer Service

Metromile lags behind other insurance providers when it comes to customer service. In fact, data from the National Association of Insurance Commissions (NAIC) reveals that they receive more than five times the number of complaints an insurance company of its size would normally file.

Metromile Claims Filing Process

To make a claim with Metromile, you can always contact the claims team or use the Metromile app. You must provide the names and contact details of all parties involved, insurance information, and the date, time, and location of the incident. It’s also a good idea to include a photo of the property damage and a copy of the police report.

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Metromile: Is it right for you?

If you don’t drive often, Metromile can help. Unusually in the auto insurance industry, the mileage payment model can save you money on your auto insurance. To see if it makes sense for your situation, use Insurify to shop around and see all the insurance products available to you.

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