Metromile Car Insurance Review

Metromile Car Insurance offers pay-per-mile liability, comprehensive, collision, and PIP coverage in 8 states. Metromile Car Insurance quotes look primarily at how well and how much you drive to calculate insurance rates. The Better Business Bureau gave Metromile car insurance rating a strong A+.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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Here's what you need to know...

  • Metromile offers pay-per-mile car insurance
  • Currently, Metromile is available in eight states
  • Metromile offers liability, comprehensive and collision, body injury, PIP, and more

Why pay a lot if you don’t drive a lot? Pay-per-mile saves you cash with every mile you spend on the road. Metromile is a car insurance startup that wants to change the way people pay for their coverage.

Rather than being overcharged based off factors like credit and age, Metromile looks at how well and how much you drive to save you money with every mile.

Don’t forget to shop around before making a final decision on car insurance. Enter your zip code above and we’ll send you free auto insurance quotes from multiple providers today.

About Metromile

Metromile launched in 2011 and has grown to house 200 employees. It is a subsidiary of Mosaic Insurance Company. The company counts your mileage and determines your monthly bill according to how far you drove during the last billing period. You won’t be charged on other driving factors like speed or breakage, just distance.

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Is Metromile car insurance legitimate?

BBB accredited since 2013, Metromile has a strong A+ rating. The company holds a 4.7 and 3.8 out of 5 stars on the iOS App Store and Google Play Store respectively.

Similar to Root car insurance, Metromile presents a unique, tech-based approach to calculating auto insurance premiums that changes the way people do business.

It’s 2018, and it’s no secret that the traditional insurance model in the US needs work. Startups taking advantage of AI, data science, and other technologies are making it easier and more convenient to access personalized, affordable car insurance. 

There’s no doubt Metromile is just a pioneer in the many car insurance app-based companies to come.

Where is Metromile available?

At the time of this review, Metromile car insurance is available in eight states:

Metromile Costs: How much is a mile?

All miles over 250/day are free (150/day if you live in New Jersey).

Coverage Options

  • $250, $500, and $1000 deductible options
  • Rental reimburse­ment
  • Emergency roadside assistance
  • Comprehensive and collision
  • Liability
  • Bodily injury
  • Property damage
  • PIP/medical payments
  • Underinsured/uninsured motorist

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How does Metromile work?

Metromile uses a device to monitor your driving. Metromile Pulse is free, wireless and connects to your car’s OBD-II port. The device links to the Metromile Pulse app so the driver can track their mileage, keep track of their car’s health, and always know where it’s parked.

How to Get a Metromile Quote

The Metromile site offers a free personalized quote online “in under two minutes.” You can try them risk-free without any cancellation fees.

If you don’t drive frequently or tend to only travel short commutes, Metromile’s auto insurance could potentially save you hundreds a month.

Compare Before You Buy

An accident happens in a matter of seconds no matter how much you drive. As tempting as it may be, you should never scrimp on coverage just to save money.

A lot of people think car insurance is a scam and they don’t need more than the basics just to abide by state laws, but having at least a comprehensive and collision policy in place can save you thousands in the vent of an accident.

If your budget is tight, you can still find decent coverage. Enter your zip code below and answer a few questions to get matched with providers based off your needs.


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Average Monthly Car Insurance Rates by State