Metromile Car Insurance Review

Rating: 7.8 / 10 (Very good)
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Metromile is a San Francisco, California-based car insurance provider that specializes in working with people who drive less than 10,000 miles per year. Founded in 2012, this company recognizes that many low-mileage drivers overpay for car insurance, and therefore bases its services on a pay-per-mile basis.

How is Metromile rated?


Coverage & Benefits
Pricing and Discounts
Financial Strength
Customer Experience

Overall Rating: 7.8 / 10 (Very good)

Metromile aims to revolutionize transportation for urban dwellers by providing useful information and services that can make car ownership less expensive, more convenient, and smarter for anybody who owns or wants to own an automobile in the city. The company is among the few offering quality pay-per-mile car insurance through their smart driving app, which they affirm can save customers hundreds of dollars a year. Metromile believes that those who drive less deserve to pay less, a new approach to car insurance that sets them apart from traditional car insurance companies. City dwellers and occasional drivers will find that Metromile is the most convenient and affordable option to date.

Metromile Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost

Coverage & Benefits - 8 / 10

Metromile offers all the basic and standard policies, from liability insurance to collision coverage. Furthermore, with Metromile Pulse, a small wireless device that measures how many miles their customers drive, the company not only offers customers incredible savings, but also allows them to keep track of trips, monitor the health of their cars, and always know exactly where they parked their vehicles. Per-mile insurance is only available in California, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

Customer Experience

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

Customer Experience - 8 / 10

Beyond offering affordable car insurance, Metromile aims to simplify city living so that their clients can enjoy the benefits of having a car without unnecessary expenses and hassles. The company currently enjoys a Better Business Bureau accreditation and A+ score based on 65 customer reviews, most of which are overwhelmingly positive. Consumers who have purchased auto insurance coverages through Metromile agree that the company goes above and beyond to ensure customer satisfaction and make purchasing car insurance a breeze.

Financial Strength

Key Details

National General Insurance Group
AM Best Financial Rating

Financial Strength - 8 / 10

Metromile's Policies are underwritten by National General Insurance Group, one of the largest property and casualty insurance providers in the nation. The aforementioned insurer holds an A.M. Best financial strength rating of A-, and a long-term issuer credit rating of a-, with a stable outlook.
*The above information reflects the financial strength of the underwriter of the Metromile car insurance policies: National General Insurance Group.
*The above information reflects the financials strength of one of the partner insurance companies that this insurance marketplace offers policies through: National General Insurance Co..

Pricing & Discounts


  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Low Milage

Pricing and Discounts - 7.5 / 10

Though their approach to car insurance is based on a pay-per-mile model, car insurance rates with Metromile vary according to common factors, such as the policyholder's age, vehicle, and driving record. The company also offers additional savings such as anti-theft, multi-vehicle, and defensive driver discounts and $350, $500, or $1,000 deductibles.

Contact & Additional Information

Homepage URL
Company Phone
(888) 311-2909
Headquarters Address
690 Folsom Street, Suite 200, San Francisco, CA, 94107
Year Founded

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Customer Comments & Reviews

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Michael P
Los Angeles, California
Very easy to sign up for insurance. I'm a single guy with 3 vehicles, I have a 2015 corvette that has 9800 miles over 4 years.. It hardly gets out of the garage... I paid conventional insurance every year.. I wish I would of found out about metro-mile much sooner.... that could of been a lot of vacation money..... Dam!

Christine J
Seattle, Washington
Love Metromile for its ease in getting a hold of a customer service rep and their professional courtesy. It was so easy to file a claim. The entire process from claim to estimate took less than 2 days. I downloaded their app and sent in the easy. Thank you Metromile.

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