Metromile Insurance Review & Ratings (2024)

Metromile Insurance: Flexible and affordable auto insurance that adapts to your usage patterns, allowing you to customize your coverage based on your specific needs and save money on premiums. Discover the benefits of Metromile's innovative usage-based insurance today and experience a more personalized approach to auto insurance. With Metromile, pay for what you drive, not for what you don't.

UPDATED: Sep 13, 2024Fact Checked

Karen Condor

Insurance and Finance Writer

Karen Condor is an insurance and finance writer who has degrees in both journalism and communications. She began her career as a reporter covering local and state affairs. Her extensive experience includes management positions in newspapers, magazines, newsletters, and online marketing content. She has utilized her researching, writing, and communications talents in the areas of human resources...

Insurance and Finance Writer

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

UPDATED: Sep 13, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Sep 13, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 13, 2024Fact Checked
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Metromile Insurance

Average Monthly Rate For Good Drivers

$115

A.M. Best Rating:

A- (Excellent)

Complaint Level:

Low

Pros

  • Pay-per-mile model
  • Good customer service
  • Easy to use app

Cons

  • Limited coverage area
  • Billing error

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!

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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.

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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.

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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.

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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.

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Frequently Asked Questions

What is Metromile Insurance and what is its mission?

Metromile Insurance is an auto insurance company founded in 2011 that provides pay-per-mile car insurance policies. Their mission is to make car insurance more accessible and fairer for all drivers by offering policies that allow drivers to pay for only what they use, rather than a set monthly premium. They aim to achieve this by providing innovative, personalized, and affordable car insurance coverage to drivers. The company is headquartered in San Francisco, California, and currently sells insurance in seven states including California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

What products and services are offered by Metromile Insurance?

Metromile Insurance offers pay-per-mile car insurance policies as its primary product, charging 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 offers a range of coverage options and additional features to customers, including:

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured and underinsured motorist coverage
  • Roadside assistance
  • Rental car coverage
  • Glass repair deductible waiver
  • Pet injury coverage

How much does Metromile insurance cost?

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.

What is the A.M. Best rating of Metromile Insurance?

The A.M. Best rating of Metromile Insurance is A-. This rating signifies that the company has an excellent ability to meet its ongoing insurance obligations. A.M. Best is an independent rating agency that evaluates the financial strength and stability of insurance companies. The rating is based on a variety of factors, including the company’s financial strength, management strategy, and long-term outlook.

Who are the founders of Metromile Insurance?

Metromile Insurance was founded in 2011 by David Friedberg and Steve Pretre.

What states does Metromile Insurance currently sell insurance in?

Metromile Insurance currently sells insurance in seven states including California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

Does Metromile Insurance offer any innovative features or technology?

Metromile Insurance offers an app that tracks mileage and offers other helpful features. The app allows customers to monitor their driving habits and mileage in real time, which can help them save money on their insurance premiums. The app also offers features like roadside assistance and help with finding a parking spot. Metromile Insurance is committed to offering innovative technology and features that make car insurance more user-friendly and convenient.

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Karen Condor

Insurance and Finance Writer

Karen Condor is an insurance and finance writer who has degrees in both journalism and communications. She began her career as a reporter covering local and state affairs. Her extensive experience includes management positions in newspapers, magazines, newsletters, and online marketing content. She has utilized her researching, writing, and communications talents in the areas of human resources...

Insurance and Finance Writer

Ty Stewart

Licensed Insurance Agent

Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications.  As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Metromile

4.12 (150 reviews)
1
May 8, 2023

Dove

Make sure you keep all correspondence... they will cheat you

I cancelled my policy as instructed but kept getting charged. I contacted them several more times and they still did not cancel. I finally got a sensible agent who canceled my policy (finally!) but he told me that he could not refund my money even though I had canceled a month ago because he didn't like something on the declarations page of my new insurance. I challenged him on that. He then said I would have to provide proof that I canceled (e...
I cancelled my policy as instructed but kept getting charged. I contacted them several more times and they still did not cancel. I finally got a sensible agent who canceled my policy (finally!) but he told me that he could not refund my money even though I had canceled a month ago because he didn't like something on the declarations page of my new insurance. I challenged him on that. He then said I would have to provide proof that I canceled (even though he saw on his screen where I had tried to cancel and had contacted them multiple times about it). He said I was never officially canceled because I did not respond to an email?? Huh? So I found the email and proved to him that I did indeed respond. If I hadn't saved that email or missed that email they would not have not have refunded my money. Since fair is fair, I asked him what they would do for me for putting me through all of this and he said "nothing" in so many words. So if they mess up and I can't prove it, they will keep my money. But if I prove they messed up and caused me all this grief, they get off scot free. Thankfully I never had to file a claim with them (see the reviews on that).
1
April 10, 2023

TiredOfMetromile

Company has a few quirks

Metromile offers low prices if you seldom drive. But the strange thing about Metromile is that, while they put a 'Pulse' device in every insured car that transmits the GPS location while parked and records every trip, they don't appear to be certain about where your car is 'garaged'. I have 2 insured cars and one is driven by my daughter. She recently took a road trip and stopped off at her mother's house in another part of our state. This trigge...
Metromile offers low prices if you seldom drive. But the strange thing about Metromile is that, while they put a 'Pulse' device in every insured car that transmits the GPS location while parked and records every trip, they don't appear to be certain about where your car is 'garaged'. I have 2 insured cars and one is driven by my daughter. She recently took a road trip and stopped off at her mother's house in another part of our state. This triggered an email from Metromile underwriting asking for proof that I haven't moved. Customer Service was absolutely no help because 'once underwriting is triggered' the required information has to be sent in to 'prove' where I am living. So we'll be finding new insurance for both cars after this ridiculous turn of events. It does make me wonder who they would handle a claim if I were to ever submit one. Goodbye Metromile!
1
June 14, 2022

jinjo

Not enough humans work here

Insurance handled by app. If you need a human that is where the trouble begins. Not enough of them at this company. They do not answer the phone on the weekends. Example Road Assistance able to handled by app- you will be fine. Accident on the weekend that does not fit their tick boxes on the app - that is where the trouble begins. They are pleasant enough but they stretch their humans too thin to be properly responsive. So far I have been una...
Insurance handled by app. If you need a human that is where the trouble begins. Not enough of them at this company. They do not answer the phone on the weekends. Example Road Assistance able to handled by app- you will be fine. Accident on the weekend that does not fit their tick boxes on the app - that is where the trouble begins. They are pleasant enough but they stretch their humans too thin to be properly responsive. So far I have been unable to complete my claim and deal with my car due to missing humans.
1
March 8, 2022

adavisv

Terrible customer service and response rate

This is hands down the worst company i have ever had to deal with. I have been a customer for quite a while, but recently had to file a claim after hitting a pothole. I am now 3 weeks into a claim, while my car sits at the shop undriveable due to bent rims and damages tires, and the person that owns my claim has not returned a single call or email or voicemail in 3 weeks! When I call the main number, they tell me something different each time or ...
This is hands down the worst company i have ever had to deal with. I have been a customer for quite a while, but recently had to file a claim after hitting a pothole. I am now 3 weeks into a claim, while my car sits at the shop undriveable due to bent rims and damages tires, and the person that owns my claim has not returned a single call or email or voicemail in 3 weeks! When I call the main number, they tell me something different each time or blame the partner company they use to process estimates (Snapsheet). When I call Snapsheet they are actually very helpful and clear on what the issue is (spoiler alert, its Metromile). I have spent countless hours on hold or getting bounced around at Metromile, while my car sits idol at the shop simply waiting for approval to replace a few wheels and tires. One of the people I spoke with at Metromile actually told me "Well, everyone is working from home now, so its very hard to get ahold of them".
5
September 30, 2021

StephB

Not too good to be true, thankfully!

To be honest, I was nervous about switching to Metromile - it seemed to good to be true and there wasn't a ton of info online. I've worked from home for several years and don't drive a ton, so the pricing made sense. I switched a couple years ago and it's been uneventful (but great!). Last month there was a freak accident where my car roof and sunroof was damaged while sitting in my driveway. I was so anxious that the "cheap" insurance I had woul...
To be honest, I was nervous about switching to Metromile - it seemed to good to be true and there wasn't a ton of info online. I've worked from home for several years and don't drive a ton, so the pricing made sense. I switched a couple years ago and it's been uneventful (but great!). Last month there was a freak accident where my car roof and sunroof was damaged while sitting in my driveway. I was so anxious that the "cheap" insurance I had would be a pain to deal with. I couldn't have been more wrong. Metromile made the whole process SO EASY and totally painless. I had a quick phone call with the claims agent who handled everything and worked directly with the auto body repair shop of my choice. The shop also said Metromile was easy to work with. My rental car reimbursement is only $30/day so I asked if they'd reimburse me for using Lyft instead (cheaper for all parties!) and they did. I submitted my Lyft receipts and got a check in the mail within a week. I'll be a Metromile customer for life.
5
January 10, 2021

digitalmello

cheapest auto insurance

Metromile is the cheapest auto insurance. You put a tracker in your car and you pay by the mile. I don't drive a whole lot so I don't have to pay that much. It is like half the price of all the other quotes that I got from other insurance companies. It also reads the engine codes and I use the app to find where i parked
2
October 15, 2020

Thorough

Save your money from this company

Very poor claims experience. It was a straightforward claim for windshield replacement because of a rock chip. Before submitting the claim I was told that deductible was $500 and that I could go ahead and get it replaced and would be reimbursed the rest. I understand that Metromile prefers and trusts safelite but I DO NOT. I trust my dealer with the quality of new glass, so went to Seattle Mini Dealership to get it replaced. After I paid almost $...
Very poor claims experience. It was a straightforward claim for windshield replacement because of a rock chip. Before submitting the claim I was told that deductible was $500 and that I could go ahead and get it replaced and would be reimbursed the rest. I understand that Metromile prefers and trusts safelite but I DO NOT. I trust my dealer with the quality of new glass, so went to Seattle Mini Dealership to get it replaced. After I paid almost $1000 on it, I was denied any reimbursement saying that safelite quoted $550 so I will be paid according to that quote. Why? Nowhere in the policy it says that if you don’t get it replaced from safelite, you won’t get the money! This is ridiculous, very poor customer experience. I have been a customer for almost 3 years with a clean record and this is what I get in return when I file a claim for the very first time? They might have done something similar during any accident I might have gotten into. Either update the policy document that you give to the customer regarding safelite or don’t deny the claim. This is a clear fraud.
3
August 24, 2020

acumama

Not great if you have a claim

The catalytic converter was stolen from my Prius. It took 24 hours for them to come tow my car to one of their locations where evaluators can assess the loss. I've been without my car for seven days. They have not been able to tell me when I'll get my car back just so I can take it in to the shop, let alone what the assessment is. Argh!
5
May 7, 2020

sfr8

Shocking Savings

I am amazed how much money I'm saving with Metromile. I was insured with another company (think Flo) for 7 years. My car is 18 years old and insurance was ~50.00/mo. for liability only. I finally decided to get a new (used) car and got a quote from Metromile just out of curiosity. I thought something was wrong with their website when I was quoted ~45.00/mo. as a base rate for BOTH CARS. I drive anywhere from 100-200 miles per month (way less...
I am amazed how much money I'm saving with Metromile. I was insured with another company (think Flo) for 7 years. My car is 18 years old and insurance was ~50.00/mo. for liability only. I finally decided to get a new (used) car and got a quote from Metromile just out of curiosity. I thought something was wrong with their website when I was quoted ~45.00/mo. as a base rate for BOTH CARS. I drive anywhere from 100-200 miles per month (way less now because of the quarantine). Three months in, my total bill has been under $55.00 each month. Oh-- and the new car has full coverage including uninsured/underinsured BI, a $250 deductible for comprehensive and collision, $0 for glass, rental reimbursement, and roadside assistance. Old car has the same liability and roadside assistance. Other insurers have quoted me anywhere from $145-195/mo. for identical coverage. I feel like I won the insurance lottery or something. (I should say I have a spotless driving record with not even a parking ticket and credit scores in the upper 700's.) If you don't drive much, it's worth checking out. But of course, YMMV-- in this case quite literally.
5
April 28, 2020

joybran

Saved money and got great service

I wasn't driving much, so I decided to find out if I could save money with Metromile. Not only did I save over 60% on my car insurance but I got great service. My car broke down a couple of times, and the roadside assistance was great!
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