Metromile Car Insurance Review

Rating: 7.9 / 10 (Very good)
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Metromile – Overview

Metromile was founded in 2011 and based in San Francisco. The company’s model is aimed at those who live in cities, as well as other low-mileage drivers. Sixty-five percent of US drivers drive less than 10,000 miles per year and are consequently overpaying on their car insurance as a result. Metromile’s innovative new service offers a monthly base rate and a per mile rate that rewards those who do not use their car a lot with an average of $500 in savings a year.

Metromile Pulse - Metromile’s system functions through the Pulse device. The Pulse plugs into the diagnostic port of your car and relays your mileage information back to the company. It is important to mention that Metromile only rates based on miles driven, unlike other, performance-based insurance plans that consider speed, location, and cornering to judge the quality of your driving.

Complaints – A relatively new company, Metromile has had some negative reviews, many of which appear to be centered around outsourced claims and payment speed. However, Metromile moved all claims in-house mid-2016. The company has been diligent in addressing each complaint personally and providing the customer options for moving forward.


Metromile’s lower rates do not mean you will have to sacrifice coverage options. The company provides all the policy options usually offered by auto insurance providers. Customers can choose from multiple deductible options. What’s more, claims representatives are available 24/7.

** Currently Metromile is only available in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

Coverage options:

Bodily injury

Property damage

Uninsured and under­insured motorist coverage



Personal injury protection/ medical payments coverage

Rental reimburse­ment

Emergency road­side assistance

Plans and Pricing

Plans consist of a set base rate and a charge per mile. Metromile caps daily mileage at 250 per day (150 in NJ). If you decide to go over the daily cap Metromile will not charge you for the additional miles. Customers’ monthly bill includes the base rate for the coming month, and the mileage charge for the previous month. So if your base rate is $50 and you drive 250 miles in a given month at 5 cents a mile, your premium will be $62.50.


Metromile has a number of discounts that can save you money on your base and per-mile rate, including multi-vehicle, good driver, and mature driver (varies by state).

Auto Insurance with Metromile

Metromile’s model is clearly a good choice when considering this underserved segment of the population that doesn’t drive excessively. This can include city dwellers or those who work close to home, as well as retirees. The company truly can offer substantial savings when compared to traditional, fixed-rate auto policies. Also, the monthly mileage monitor puts the customer in control of their bill; providing the ability to effectively budget their premium. We recommend doing some research of your own to determine if Metromile is the right fit for you.


Top Rated
10 / 10
  • Our #1 Choice - Trusted by Over 18,000,000 drivers
  • Competitive Rates, Tons of Discounts (safe driver, pay-in-full, multi-car, multi-policy, quoting online & more)
  • Name Your Price Tool®
  • Bundle Auto & Property to Save 5%
  • Snapshot® is a program that personalizes your rate based on how YOU drive.
  • Loan/lease Payoff Coverage, Roadside assistance & Strong Financial Ratings

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Metromile Car Insurance