Metromile Review for 2022

Metromile is a usage-based car insurance company that offers pay-per-mile insurance coverage. With Metromile insurance, you can save an average of 47% over traditional car insurance rates. Metromile insurance rates include a monthly base rate that starts at $29. Metromile Pulse (the company's vehicle plugin) tracks your mileage and charges you a per-mile rate of a few cents added to your monthly base rate. So the less you drive, the more you save with Metromile.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview: Metromile Company Details
Company Details: Metromile 
Address425 Market Street, ST #700
CitySan Francisco
ZIP Code64105
Phone Number1-800-242-5204
Year Founded2011
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Are you looking to save on auto insurance coverage? Usage-based car insurance is one way to save because it is based on your individual driving statistics. Some companies offer usage-based programs, while others, like Metromile auto insurance company, are entirely usage-based.

So can you buy Metromile auto insurance? Are affordable Metromile auto insurance policies available? How do Metromile auto insurance rates compare to traditional car insurance rates? Read this review to find out.

Before we get started on this Metromile auto insurance review, why not use your ZIP code in the free tool on this page to start comparing rates from insurance companies in your area?

What is Metromile auto insurance?

Metromile insurance is a usage-based insurance company currently available in eight states:

  • Washington
  • California
  • Oregon
  • Illinois
  • Arizona
  • Virginia
  • Pennsylvania
  • New Jersey

There are different types of usage-based insurance, and Metromile falls into the pay-per-mile insurance category. As you might have guessed, the company charges you per mile you drive. Keep reading for more.

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How does Metromile work?

Metromile uses both an app and a vehicle plugin device. The Metromile Pulse device plugs into your vehicle and uses telematics technology to track your mileage, speed, and braking.

Using your Metromile login in the mobile app, you can see mileage tracked, find where you parked your vehicle, vehicle data, and more.

What coverage options does Metromile offer?

Metromile offers the standard coverage options and some additional add-ons like rental car reimbursement, roadside assistance, pet injury protection, and no-deductible glass repair.

How much does Metromile cost?

We don’t have average Metromile auto insurance quotes or rates, but you can save an average of 47 percent by switching from traditional car insurance to Metromile.

Your rates start with a monthly rate (which can be as low as $29) adjusted based on your age, where you live, current driving record, and other typical factors. Metromile then charges a few cents per mile, so the less you drive, the more you save.

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What are Metromile’s pros and cons?

Metromile sounds great, right? So what are the pros and cons? Pros include the savings, particularly if you drive less than 10,000 miles per year, and the variety of add-ons available, including pet injury protection if you have full coverage.

Cons include that Metromile is currently only available in eight states, the savings aren’t nearly as significant if you’re a heavy commuter, and the plugin device and app will track you any time you use your vehicle.

In fact, vehicle tracking through telematics is one of the major concerns associated with the usage-based insurance market as a whole.

The Insurance Information Institute reports that this is enough of a concern that some states have enacted laws that require insurance companies like Metromile to specifically outline exactly how data is tracked, stored, and used so customers can make informed decisions.

Metromile: What’s the bottom line?

Metromile is a pay-per-mile usage-based auto insurance company. The company uses both an app and a vehicle plugin to track your mileage and some basic driving habits like speed and braking.

Metromile advertises that you can save an average of 47 percent on your rates over traditional auto insurance, particularly if you drive less than 10,000 miles per year. Still, it’s currently only available in eight states across the country.

Now that you’ve read our Metromile review, are you ready to start shopping? Use your ZIP code in our free tool to compare rates from insurers in your area today.

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