Metromile Insurance Review & Ratings (2024)

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

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 Company History and Mission

Metromile Insurance was founded in 2011 by David Friedberg and Steve Pretre. The company is headquartered in San Francisco, California. Metromile Insurance’s mission is to make car insurance more accessible and fairer for all drivers. The company aims to achieve this by offering pay-per-mile insurance policies that allow drivers to pay for only what they use, rather than a set monthly premium.

Metromile Insurance’s founders recognized that many drivers were paying too much for car insurance, regardless of how much they actually drove their cars. They believed that a usage-based insurance model could help make car insurance more affordable and transparent for drivers.

The company has since grown rapidly, expanding to several states and offering a range of coverage options and additional features. Despite its growth, Metromile Insurance has remained committed to its mission of providing innovative, personalized, and affordable car insurance coverage to drivers.

The company is committed to offering transparent pricing and easy-to-understand policies, so customers can make informed decisions about their coverage. Metromile Insurance also strives to offer innovative technology and features that make car insurance more user-friendly and convenient, such as its app that tracks mileage and offers other helpful features.

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.

In what parts of the U.S. is Metromile insurance offered?

Metromile Insurance is currently offered in select states across the United States. As of February 2023, Metromile Insurance policies are available in the following states:

• Arizona
• California
• Illinois
• New Jersey
• Oregon
• Pennsylvania
• Virginia
• Washington

Metromile Insurance is continually expanding its coverage area, so it’s possible that the company may offer policies in additional states in the future. To find out if Metromile Insurance is offered in your state, you can follow these four steps:

• Go to the Metromile Insurance website.
• Scroll down to the bottom of the homepage and click on the “Insurance” link in the footer.
• On the Insurance page, click on the “States We Serve” link in the navigation menu.
• You will be taken to a page that shows the states where Metromile Insurance is currently offered. If your state is listed, then you may be able to purchase a policy from Metromile Insurance.

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 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.

Seamless Claims Process With Metromile Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Metromile Insurance offers a user-friendly claims process, with multiple convenient options for filing a claim. Policyholders can submit claims online through the company’s website, over the phone with a dedicated claims representative, or even through their mobile app. This flexibility ensures that customers can choose the method that best suits their preferences and needs.

Average Claim Processing Time

One crucial aspect of any insurance provider is the speed at which they process claims. Metromile Insurance is known for its efficient claim processing. While specific processing times can vary depending on the complexity of the claim, customers generally experience a smooth and relatively quick claims process.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s performance in handling claims. Metromile Insurance has garnered positive reviews from customers regarding its claim resolutions and payouts. Customers appreciate the transparency and fairness in the claims settlement process, making it a favorable option for those seeking hassle-free claims.

Unleashing Innovation With Metromile Insurance Digital and Technological Features

Mobile App Features and Functionality

Metromile Insurance offers a feature-rich mobile app that enhances the overall customer experience. The app allows policyholders to track their mileage in real-time, providing insights into their driving habits and potential premium savings. Additionally, it offers features like roadside assistance and helps users find parking spots, making it a comprehensive tool for on-the-go insurance management.

Online Account Management Capabilities

The company’s online account management capabilities provide policyholders with easy access to their insurance information. Customers can view and manage their policies, make payments, and review claims status conveniently through the online portal. This digital accessibility simplifies the insurance management process.

Digital Tools and Resources

Metromile Insurance is committed to leveraging digital tools and resources to enhance customer convenience. Whether it’s accessing policy documents, obtaining insurance quotes, or receiving educational resources, the company’s digital offerings empower customers to make informed decisions and stay connected with their coverage.

How Metromile Ranks Among Providers

Metromile Insurance has positioned itself as an innovative player in the insurance market, particularly appealing to low-mileage drivers seeking a more personalized and cost-effective solution. The company’s focus on transparency, user-friendly technology, and unique pricing models are strengths that contribute to positive customer experiences.

Competitors:

• Root Insurance: Root Insurance is known for its usage-based insurance model, utilizing telematics to assess individual driving behavior. This model appeals to drivers looking for personalized rates based on their driving habits.
• Progressive: As one of the largest auto insurance providers, Progressive offers a variety of coverage options. It is known for its Snapshot program, which tracks driving habits to determine discounts, somewhat similar to Metromile’s pay-per-mile model.
• Allstate: Allstate is a well-established insurance company offering traditional coverage as well as usage-based options like Drivewise. It competes with Metromile by providing choices for drivers seeking more flexible and personalized insurance.
• GEICO: GEICO, known for its affordability, competes with Metromile by offering competitive rates and a variety of coverage options. GEICO also has a strong online presence, simplifying the quote and claims process.

Customer Reviews of Metromile Insurance

Metromile Insurance has generally positive customer reviews, with many customers praising the company’s pay-per-mile model and excellent customer service. Here is an overview of some of the key strengths and weaknesses of Metromile Insurance based on customer reviews:

Strengths:

• Pay-per-mile model: Many customers appreciate that they only pay for the miles they drive, which can lead to significant savings for drivers who don’t travel very far.
• Good customer service: Several customers have praised the company’s customer service team for being responsive, helpful, and easy to work with.
• Easy to use app: The Metromile app makes it easy for customers to track their mileage, view their bills, and manage their policy.

Weaknesses:

• Limited coverage area: Metromile Insurance is only available in a handful of states, which can be a drawback for customers who live outside of the company’s service area.
• Billing error: Some customers have reported issues with billing and pricing, with a few customers stating that their bills were higher than expected or that they experienced billing errors.