Metromile: Pay Per Mile Insurance

Why choose Metromile?

  • The Metromile app can run diagnostics on your car and get you in touch with a mechanic if you need some help
  • The Better Business Bureau has given them an A+ rating
  • On average, Metromile customers save an estimated $741 a year

Did you know...?

  • Never lose your car again! Their free app tells you where you parked your car and has even been used to recover stolen cars
  • Their headquarters are in San Francisco, California
  • You can file a claim 24/7 (they make things easy and let you file everything online) and get your own dedicated claims adjuster to help you every step of the way
  • Customer Service: 888-244-1702
  • Claims: 888-215-9176
  • Roadside Assistance: 888-215-9176
  • Metromile, 690 Folsom Street, Suite 200, San Francisco, CA 94107


Metromile is one of the few (and first) companies to offer a pay-by-mile billing model. Drivers who use Metromile pay a much smaller monthly fee starting at only $29 per month and then a small per-mile fee that gives them freedom to drive up to 250 miles (150 miles in NJ) per day.

Metromile clients attach a small device to their vehicle that automatically reports daily mileage through Metromile’s exclusive tracking software. Their team of executives includes technology experts, insurance experts, and financial experts, and they also develop and maintain their own patented software, which puts Metromile on the cutting edge of the insurance world.

Learn more about Metromile’s pay-per-mile insurance with our comprehensive review and see if it is right for you.

Metromile Reviews:

Review Platform Rating
Clearsurance 4.15/5 – 142 reviews
Glassdoor 3.8/5
Apple App Store 4.7/5

Metromile has a loyal following who highly recommend their products and services. Users of the app rate it a 4.7 out of 5 on the Apple App Store, touting its ease of use and accessibility.

Having earned an A+ rating from the Better Business Bureau, Metromile customers would gladly continue using it. As a matter of fact, 88% of Metromile customers who rated their experience on Clearsurance said they would both renew their policies and refer the company to their friends. There’s something to be said about that kind of customer loyalty.

Even the employees have positive experiences and memories of their time at Metromile. Many on Glassdoor admit there were issues when the company was a startup, but most say they enjoyed their time with the company, and the “growing pains” were acceptable and expected.

How Much Does Metromile Cost?

Metromile calculates premiums by adding the monthly base rate plus the cost per mile you drive up to 250 miles (150 miles in NJ). The base rates can start at $29 per month. Like other carriers, the base rate is calculated based on factors like age, driving experience, driving history, vehicle type, amount of coverage, and credit score. Unlike their competitors, the average mileage driven is not part of this calculation. Instead, every driver pays a low rate on each mile they drive.

Due to the unconventional method used to calculate insurance rates with Metromile, it is difficult to provide an average premium. However, according to many sources relating to Metromile premiums, the average base rate is around $40 per month, with an average per-mile fee of $0.05 per mile.

Learn more about your specific rates with Metromile and compare them to the rate of dozens of top insurance companies by simply entering your ZIP code blow!

See how Metromile stacks up against more than 60 top carriers

How Much Can I Save with Metromile?

All insurance companies offer various sorts of discounts on car insurance rates. Metromile is no different. However, Metromile’s unique pay for mile policy, which is designed to provide discounts for drivers who only drive a few miles a day, is its largest discount, and it’s a big one. Drivers who drive less than 10,000 a year can save big money by using Metromile’s cutting-edge pay-per-mile model.

The only other discount available through Metromile is the multi-car discount, where the base premium is reduced if more than one vehicle is on the policy.

Where Does Metromile Offer Coverage?

Metromile is a relatively new insurance company, which means it’s not offered everywhere. Currently, drivers can sign up for Metromile in 8 states:

Is Metromile Right for Me?

Everyone has different insurance needs. Each insurance policy, no matter how wonderful it may sound, is designed for different types of drivers. Metromile’s concept may sound great to many of us. But that doesn’t mean it’s right for everyone.

If you fit into the following categories, Metromile may be a great fit for you:

  • You drive very little daily, averaging under 50 miles per day or less.
  • You want the ease of using an app to file claims and receive any necessary help and assistance.
  • You have a relatively good driving record.
  • You are an experienced driver.

The fewer miles you drive and the lower your base rate will provide you more significant savings. If you fall into these categories, the savings may make Metromile an excellent fit for you.

Find out if Metromile is right for you!

What Else Does Metromile Offer?

Metromile is primarily an auto insurance company that also designs its own tech. However, it does offer some additional coverages for policyholders. Some of these coverage options include:

  • Collision Deductible Waiver
  • Rental Reimbursement
  • Roadside Assistance
  • Glass Repair
  • Pet Protection for pets injured in an automobile accident

Metromile FAQs

  • How Do I File a Claim with Metromile?

Metromile prides itself on the use of technology for every aspect of the business. Therefore, they prefer you to file your claim through their easy to use App. However, Metromile offers traditional ways to file a claim as well. You can call 1-888-595-5485 or file online at

  • How Does the Metromile Claims Process Work?

Metromile makes the claim process completely digital. Once you file your claim, a claims representative will contact you. You can submit any photos of the damage online through the App. The representative will review the damage and offer a payment. You may get the payment in as little as 24 hours, depending on the claim’s details. Metromile does not require you to make any repairs immediately.

  • How Do I Cancel a Metromile Policy?

Metromile makes it very easy to cancel a policy. Simply contact them through email on their website or call their customer service number at 1-888-311-2909. They do not charge any cancellation fees.

  • Does Metromile Offer Coverage in My State?

Metromile offers insurance coverage in 8 states, including California, Oregon, Washington, Arizona, Illinois, New Jersey, Pennsylvania, and Virginia.

  • Does Metromile Have a Mobile App?

Metromile uses proprietary software to create and manage their mobile App, and a great one at that. Their App is rated 4.7 by customers in the Apple App store and over 4 stars on Google Play. It is their preferred method of contact with their customer base and it makes Metromile a great option for tech-savvy drivers.

  • Does Metromile Have Spanish Offerings?

Metromile’s website and App are in English only. However, they do staff some bilingual customer service representatives through their telephone services.

Metromile in the Community

Metromile believes in building a community in the states they serve and across the US. The company has been involved in several environmental campaigns aimed at reducing carbon emissions from vehicles.

In the recent months, since COVID-19 entered the world, Metromile has worked to help support and raise funds for those affected by the disease and first responders.

You May Know Metromile from…

Metromile Spokespersons and Mascots:

Metromile does not have a designated spokesperson or mascot in its commercials or advertisements. However, the ads target typical families in middle class and working-class neighborhoods. Most commercials either use a penny to signify savings or discuss the issue with paying too much for car insurance.

Metromile on Social Media:

You can follow Metromile on Facebook, Twitter, Instagram, and LinkedIn.

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