Mile Auto Insurance

  • Customer Service: 888-645-3001
  • Claims: 888-645-3001
  • Atlanta, GA

Looking to insure your car at Mile Auto? Then let this review help you decide whether it’s the best insurance company for you. They’re known as a pay-per-mile car insurance company which lets you pay based on your mileage instead of paying a flat rate. 

This works well for many drivers and might even help you save on your insurance premiums. 

What is Mile Auto Insurance?

Mile Auto is an Atlanta-based insurance company founded in 2017. The company got its start by securing $10.3 million in seed funding. Today they pride themselves on offering affordable pay-per-mile auto insurance which they claim can save drivers 30-40% on their premiums. 

Concerned about having to install a little black box in your car that tracks your every move? Mile Auto manages pay-per-mile insurance a bit differently so you can maintain your privacy while still saving on your insurance. 

How Does Mile Auto Insurance Work?

If you’re curious about what Mile Auto Insurance has to offer, you can use their quote tool to help you see how much you can save. After providing your zip code and an estimate of the number of miles you drive each year, you’ll get an idea of how much you could pay each year.  

From there, if you like the numbers you see, you can move forward in the quote process. 

Be ready to provide the following information:

  • Full name
  • Date of birth
  • Address
  • Phone number
  • Driver’s license number
  • Marital status
  • Education level
  • Living situation
  • Vehicle Identification Number
  • Mileage
  • Type of vehicle
  • Vehicle usage

The quote you receive will include a base monthly premium. This is the bare minimum you’ll pay each month for your insurance. Plus, you’ll see a per-mile rate. This amount is how much you’ll pay per additional mile you drive.

If you’re happy with this premium price, you can finalize the coverage through the website. 

In case you want to avoid an online experience, you can obtain Mile Auto insurance through an insurance agent. Although the agent route might be more time-consuming, you’ll have easy access to support along the way. 

Before you jump right into securing insurance with Mile Auto, be sure to compare insurance rates so you can make sure you’re getting the best price. You can use our auto insurance comparison tool to compare rates of 65+ insurance companies. 

Mile Auto Insurance Rate Calculations

Like other insurance companies, Mile Auto uses many factors to determine your base auto insurance premium. Some of those include your location, driving history, vehicle type, age, gender, years of experience, and credit score. 

Additionally, Mile Auto takes the number of miles you drive into account. 

Mile Auto Mileage Tracking

Mile Auto is sensitive to the privacy concerns of constant tracking. Instead of requiring 24/7 GPS tracking, you’ll just need to send in a picture of your odometer reading once per month. 

This allows the company to determine the actual miles driven each month without keeping track of your every move.

Mile Auto also works with Verisk Data Exchange to consider your monthly mileage information. 

Mile Auto Insurance Claims

When you need to file an insurance claim, you can call Mile Auto at 888-645-3001. The Claims team is available at option ‘2’ to help you 24/7. 

Be ready to answer a series of questions about the incident and provide details about your insurance policy. 

Importantly, be sure to keep in mind that there is no mobile app available for claim filing. 

Mile Auto Insurance Discounts

Mile Auto Insurance doesn’t offer any discounts. With that, you could be missing out on the chance to tap into fairly standard claims-free discounts or prepayment discounts through other insurance companies. 

But even without low-mileage discount offerings, you can save money using pay-per-mile insurance. If you are an infrequent driver, that should help to keep your insurance costs low through Mile Auto. 

Mile Auto Insurance Coverage Options

Mile Auto insurance offerings can vary by state. But the company offers relatively basic insurance offerings. Although this is acceptable for drivers seeking standard coverage, it might not be enough for drivers looking for all the bells and whistles. 

Here’s the coverage you may find available at Mile Auto.

Mile Auto Insurance Costs

Car insurance costs can add up quickly. But as an infrequent driver, you can tap into significant savings through Mile Auto. According to Mile Auto, low-mileage drivers can save between 30% – 40% by switching from a traditional insurance policy. 

Like other pay-per-mile insurance companies, you’ll pay a base monthly insurance premium when you’re insured by Mile Auto. Additionally, you’ll see a per-mile cost that will be added to the base insurance rate. If necessary, you can break this monthly rate down into a daily base rate or week rate to get an idea of how much you’ll pay each month.

The amount you pay each month will fluctuate based on the number of miles you drive. Also, their non-intrusive tracking technology will ensure you only pay for the miles you drive.

Where is Mile Auto Insurance Available?

One big downside to Mile Auto Insurance is that it’s only available in 7 states. 

Currently, the company operates in Arizona, California, Georgia, Illinois, Ohio, Oregon, and Texas. 

They claim to be expanding into other states soon. But the slow progress could mean residents of other states might be waiting quite some time for Mile Auto to arrive.  

If you don’t live in one of these states, the best thing you can do is compare auto insurance rates of different companies on the market. That way you can still find affordable premiums even though Mile Auto isn’t an option for you. 

Mile Auto Insurance Company Customer Reviews

The customer reviews for Mile Auto Insurance are mixed. 

The company earned a C- based on a handful of customer reviews on the Better Business Bureau. But it is not Better Business Bureau accredited. 

However, the ratings are considerably higher through Trustpilot. Mile Auto earned 4.1 out of 5 stars based on 115 customer reviews. Over 70% of customers reported an excellent experience. But 8% of customers rated their experience bad.

The good reviews are centered on the savings unlocked through Mile Auto. It’s clear that some drivers can save significantly when making the switch from a traditional car insurance company. Many reported paying less than the national average for their monthly car insurance premium. 

The bad reviews are focused on a poor customer service experience. There were many mentions of a difficult claims process. Plus, some cited policy changes as the reason for their poor review. 

Pros and Cons of Mile Auto Insurance

Every insurance company has advantages and disadvantages to consider. Before jumping in with Mile Auto Insurance, take a minute to weigh the good vs bad qualities. 

First, here are the pros:

  • By the mile car insurance: Infrequent drivers stand to save money based on the pay-per-mile model. 
  • Privacy considerations: You won’t have to commit to regular tracking for this pay-per-mile insurance option. Instead, you’ll just have to send in a picture of your odometer once a month. 

Now, for the cons:

  • Monthly task: Remembering to send in your monthly odometer reading adds one more task to your to-do list. Thankfully, it’s not time consuming. 
  • No per-mile cap: Many pay-per-mile insurance companies have a daily cap on mileage. That’s not the case with Mile Auto. If you take a long road trip, you could see a big insurance spike.

How to Know if Mile Auto Insurance is a Good Fit

If you are looking for an affordable car insurance option that considers the fact that you drive fewer miles than the average person, then Mile Auto Insurance is a worthwhile option. The fact that you can access pay-per-mile insurance without committing to using a regular tracking device could make it an especially good fit for privacy-concerned drivers. 

A few people that might find the best rates with Mile Auto Insurance include college students, urban commuters, retirees, weekend explorers, public transit users, and remote workers. 

But Mile Auto Insurance isn’t the right fit for everyone. For example, if you drive more than 10,000 per year, you probably won’t find any savings through Mile Auto. Or if you live in one of the 43 states that aren’t covered, you’ll need to find another option. 

FAQs about Mile Auto Insurance

Is Mile Auto Insurance affordable?

Mile Auto is one of the most affordable pay-per-mile insurance options. If you are an infrequent driver, you can find significant savings through Mile Auto. But if you put a lot of miles on your vehicle, then Mile Auto likely won’t be able to offer any savings. 

Where is Mile Auto Insurance headquarters address?

Mile Auto Insurance is based in Atlanta, Georgia at 75 5th St NW #3320. 

Does Mile Auto Insurance offer other insurance products?

No, Mile Auto only offers auto insurance. 

How many miles can you drive each year with Mile Auto Insurance?

Technically, there is no limit on the number of miles you can drive with your Mile Auto insurance policy. But if you drive more than 10,000 miles per year, then you might not find any savings. More regular drivers should consider other insurance options. 

Does Mile Auto Insurance offer storage insurance?

Although Mile Auto Insurance doesn’t offer a storage insurance product, you can think of the monthly base rate as a storage rate. But you won’t have to make any adjustments to your insurance policy if you decide to take your car out for a drive now and then.

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