Insurance based on the miles you drive
Metromile is our top choice for cheap auto insurance. If you drive fewer than 10,000 miles per year, Metromile can offer you some of the best rates on the market. It is a digital-native auto insurance company that relies on a device to track your mileage and emphasizes automated claims service and online customer service. If you’re looking for a no-frills, usage-based auto insurance provider, Metromile is the right choice.
We ranked Metromile the best cheap auto insurance because its average rates are the most affordable. Metromile is a pay-per-mile car insurance company that uses a device plugged into your OBD-II port to track your driving habits and mileage. Check out the company’s affordable usage-based insurance if you drive infrequently and feel comfortable using Metromile’s technology.
Usage-based insurance: Drivers save an average of 47 percent by basing monthly insurance premiums off of miles driven.
24/7 roadside assistance: Metromile’s roadside coverage is available 24/7 for an added cost of $5 to $7 per month. Contact Metromile roadside assistance via the app, your online dashboard, or by calling 1-800-983-3400.
Very few discounts: Because Metromile rates are already low, the company does not offer many discounts.
Only available in eight states: Drivers outside Washington, California, Oregon, Illinois, Arizona, Virginia, Pennsylvania, and New Jersey cannot purchase insurance through Metromile.
Metromile’s 24/7 roadside assistance is an optional add-on to your auto insurance policy. The coverage includes fixing a flat tire, lockout, and towing. Your contract will outline the distance covered for the towing truck.
The average annual auto insurance rate from Metromile is $662, making it the cheapest insurance provider in the U.S. Its insurance costs less than one-third of the industry’s average annual cost of auto insurance, which is $2,071.
Metromile rates begin at $29 with an average monthly rate of $55. Mileage is the main factor Metromile uses to calculate your rate. Metromile tracks your mileage using a telematics device called Metromile Pulse. This device plugs into your vehicle and transmits driving data through a cell modem, providing you and Metromile with information on your mileage and driving habits.
Vehicle make/model, driving history, age, claims history, coverage changes, and credit score all factor into your per-mile cost. State laws and regulations may also impact rates. In Arizona, Illinois, Oregon, and Virginia, Metromile uses average speed, time of day, and day of the week to determine the quality of your driving.
In Virginia, Metromile considers time spent per trip when calculating your savings. Metromile tracks habits over time and calculates rates based on trends and averages, not individual data points.
Metromile is available in Washington, California, Oregon, Illinois, Arizona, Virginia, Pennsylvania, and New Jersey.
Metromile has a robust online help center that answers many frequently asked questions about the Pulse device, billing, coverage, claims, and data.
Metromile offers 24/7 virtual customer support via its online chat feature. You can file a claim anytime at claims.metromile.com or by calling 1-888-595-5485. Metromile customer service is available to help you get a quote or start a new policy 7 a.m. through 5 p.m. Pacific Time, Monday through Friday, by calling 1-888-242-5204.
Apple iOS users rated the Metromile app 4.7 out of five stars. On the Google Play store, users rated the app 3.6 stars. While you aren’t required to use the Metromile app to be a policyholder, it includes many useful features like digital insurance cards, car health monitoring, and access to roadside assistance. Below are other features we tested from Metromile’s mobile app:
One unique feature of the Metromile app is street-sweeping alerts. Metromile sends alerts by email, push notification, or text message 12 hours before scheduled street cleanings with a reminder one hour before. This feature is available to customers in the following areas:
Metromile is a relatively new auto insurance company founded in California in 2011. The company uses telematics and machine learning to provide personalized usage-based auto insurance.
In 2015, Metromile introduced a product called a Tag, which gives non-insurance customers a way to use Metromile’s driving app. The Tag wirelessly connects to smartphones using Apple’s iBeacon technology.
The same year, Metromile expanded with offices in Boston, Massachusetts, and Tempe, Arizona.2 In 2016, Metromile acquired a carrier called Mosaic Insurance to start underwriting its policies.3 This acquisition was part of a round of funding totaling $191.5 million, which also allowed Metromile to purchase licenses in all 50 states.4 Previously, the National General Insurance Group underwrote Metromile insurance products.
Metromile became a publicly listed company in February 2021. In November 2021, Lemonade announced its plans to acquire Metromile in an all-stock transaction. Lemonade completed the transaction and acquired Metromile in July 2022.
Metromile only offers personal automobile insurance. If you purchase comprehensive and collision coverage, pet coverage is included at no additional charge.
Metromile comprehensive and collision coverages come with up to $1,000 in injury fees for pets injured in an accident. This coverage is not available in Virginia or Illinois.
You can cancel Metromile at any time and get a refund for the unused portion of your premium. Metromile does not impose a cancellation fee or penalty for early termination.
If you are in California, New Jersey, Illinois, Oregon, Pennsylvania, or Washington, call 888-244-1702 Monday through Friday, 6 a.m. through 5 p.m. Pacific Time to cancel your policy. Virginia drivers can fill out an online contact form at www.metromile.com/help/ to proceed with the cancellation.
Metromile works on most cars made after 1996. Its technology requires an onboard diagnostic port (OBD-II port), which didn’t become a standard requirement in vehicles until 1996. If your car is older than 1996, or if you don’t know your car’s make or model, it may not be compatible.
The device Metromile uses to track your mileage should have little to no effect on a healthy car battery.
Metromile performs a soft pull credit inquiry for quotes in some states, which only reviews your insurance score without lowering it. Getting a quote from Metromile will not affect your credit score. Your credit report does not note soft pulls, other than listing the requester’s name.
Lemonade Insurance Company. Better Business Bureau. (2022).
San Francisco insurance company expands in Boston. San Francisco Business Times. (2015, Apr 2).
Pay-per-mile insurance startup Metromile raises $191.5M, acquires Mosaic Insurance. TechCrunch. (2016, Sep 21).
Metromile Auto Insurer Gets $192 Million, Mark Cuban and Mosaic’s 50 State Licenses. Insurance Journal. (2016, Sep 21).