Metromile Review (2021)
Metromile car insurance offers low-cost insurance for drivers who drive fewer miles. A device plugged into your car works with an app to track your miles, and rates are calculated with a base rate plus a charge for miles driven. While you can save an average of $62/month, Metromile reviews leave a lot to be desired. If you don’t drive a lot Metromile might be the company for you, but otherwise you’ll likely want to go with a different car insurance company.
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UPDATED: Feb 12, 2021
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- Metromile car insurance tracks your mileage and only charges you for the miles you drive in addition to a base rate
- Metromile car insurance company has more customer complaints than other companies the same size
Metromile car insurance is a great option for people who drive less than 10,000 miles a year. It’s one of the car insurance companies that offers discounted rates based on miles driven, or usage-based insurance.
Metromile offers pay-as-you-drive car insurance, allowing drivers who rack up little mileage to pay lower rates. A telematics device is used along with an app to track how much you drive. Rates are then calculated by mileage.
Before you buy Metromile car insurance, shop around to see the best rates. Enter your ZIP code now to receive free car insurance quotes today.
How does Metromile work?
Pay-per-mile car insurance is a relatively new idea. According to Forbes, companies can offer cheaper insurance for drivers with really low mileage because the chance of an accident is slimmer. This means the insurance company takes fewer risks.
A device plugs into your car, and you use an app on your phone to track your mileage.
Metromile calculates your rates in two different ways. First, your base rate is calculated based on normal car insurance rate factors like age, driving record, type of coverage, and where you live. Second, the rest of your rate is calculated based on how far you drive each month.
For example, let’s say your base rate is $40. If your rate per mile is five cents and you drive 200 miles in a month, you would pay $10, plus the $40.
Any mileage over 250 per day is free so you can still take that road trip without having to worry about extra costs.
The downside of this is that your rate will change each month depending on how much you drive. This can be difficult for those that budget their monthly expenses.
Although Metromile car insurance quotes aren’t available since prices are determined by usage, there are still other ways to add to your savings.
Metromile offers car insurance discounts as well as low rates. Common discounts available include multi-car, anti-theft, and continuous coverage discounts.
Metromile offers all of the basic car insurance coverages, such as liability, collision, and comprehensive. Roadside assistance, rental reimbursement, pet injury protection, and no-deductible glass repair are also offered.
These discounts and coverage options allow you to personalize your auto insurance and get the rates and options you need.
Metromile insurance is currently only offered in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.
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Is Metromile worth it?
There are pros and cons to using Metromile.
While Metromile looks good on paper, there are some customer service concerns. Metromile reviews show a high number of customer complaints about slow claims services and even some about the billing process.
If you are a driver who works from home, a stay at home parent, or live close to public transportation, Metromile might be a great fit for you.
The upside is that if you are able to drive very few miles, you can really save money. The downside is if you ever do have to file a claim, you might run into some headaches.
While it is possible to get affordable Metromile car insurance, you’ll still want to shop around to make sure you’re getting the best deal.
Depending on your driving habits, Metromile car insurance rates based on mileage might not be the cheapest for you. Enter your ZIP code to compare quotes from multiple companies for the best savings.