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
| 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
| State | Metromile Average Monthly Premium |
|---|---|
| Arizona | $91 |
| California | $116 |
| Illinois | $88 |
| New Jersey | $101 |
| Oregon | $90 |
| Pennsylvania | $95 |
| Virginia | $70 |
| Washington | $101 |
Metromile Car Insurance Pros and Cons
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
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
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.
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
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.
