Allstate promises affordable coverage and a wide range of auto policies. Accessible local agents, easy-to-bundle policies, and an A+ financial stability rating from AM Best are the reasons 16 million people use Allstate. Learn more about pay-per-mile and non-owner insurance from Allstate below.
Allstate’s pay-per-mile program, Milewise, offers the same coverage and claims service as its other auto insurance products. It charges a daily base rate — for example, $1.50 — plus a per-mile rate — for example, 6 cents — for covered vehicles.
To participate in Milewise, you need a telematics device that plugs into your onboard diagnostic port (OBD-II port) and transmits data through a cell modem. The Milewise device ships on your policy’s effective date. Once plugged in, you should check the Allstate app or website to ensure trips are being recorded. Each trip should appear within 48 hours.
The Milewise device collects information on driving speed, miles, time of day, driving events, and location. If you don’t install the Milewise device, Allstate charges a default mileage use rate of 40 miles each day.
Allstate’s mobile app helps you budget your Milewise policy. You can access your policy details, account balance, mileage, and safe driving status. You’ll also be able to review trips at a glance, look over your weekly spending, and set savings goals to maximize your Milewise savings. On top of that, Milewise includes access to personalized driving feedback and vehicle diagnostics through Allstate’s car health program.
Each vehicle on your Milewise policy will receive a classification of pay-per-mile or unlimited. Pay-per-mile is best for lower mileage vehicles, but unlimited works better for cars you drive frequently, because you’ll pay a set daily rate no matter how many miles you drive. Both classifications bill conveniently when your account reaches its minimum balance.
Whereas most insurance policies charge the same premium every month, Milewise rates are variable and can change from month to month depending on how much you drive and what your rates are. Milewise bases rates on factors such as driver age, vehicle type, and driver profile and history, much like with a traditional auto insurance policy. Car insurance for young drivers is more expensive, as are premiums for drivers with poor credit.
You’ll be able to find the cheapest car insurance company if you have a clean driving record compared to someone with a ticket or accident on their driving record. If you have an at-fault accident on your driving record, you’re more likely to file a claim in the future.
In Arizona, Florida, Massachusetts, Minnesota, Missouri, Oklahoma, Pennsylvania, South Carolina, Texas, and Wisconsin, these rates fluctuate based on your driving behavior. They can increase if you go over 80 mph, brake suddenly (slowing down more than eight mph in one second), or drive between 11 p.m. and 4 a.m.
Allstate recommends you keep your tracking device plugged in even for unlimited vehicles so you can receive personalized driving feedback, account details, and Allstate rewards points.
Allstate’s non-owner car insurance benefits drivers who wish to pay month-to-month for limited coverage. Consider non-owner car insurance if any of the following statements is true:
- You rent cars often.
- You use car-sharing services or borrow a friend’s car frequently.
- You want continuous coverage as you reinstate your license or file an SR-22/FR-44.
Allstate’s non-owner policy provides liability insurance only; the policy covers bodily injury and property damage to others. It will not cover damage to your car, injuries, or commercial driving activities.