About Metromile Auto Insurance

If you don’t use your water or electricity at home, you don’t pay for it, right? With their pay-per-mile insurance, Metromile Auto Insurance uses this same concept to help customers who drive less than 10,000 miles per year save $500+.

Despite allowing urban dwellers to simplify the car-owning experience—and even helping “make car ownership a possibility where it wasn’t before”—Metromile insurance policies provide the same level of coverage that you’re used to with other carriers. You’ll just pay less.

Metromile also promises customers access to a 24/7 claims team, along with a OBD-II dongle (more next) that can decode your check engine light, manage how much you drive, and even remember where you parked your car.

If you live in the city and drive relatively little, you deserve lower rates than someone who commutes 60 miles a day, right? But is Metromile really as “revolutionary” as they’d like you to think? Even if they are, does this mean they’re your best option?

Let’s start answering your questions by looking at the “engine” that powers Metromile insurance.

Metromile Pulse OBD-II Dongle & Smartphone App

Formerly known as Metronome, Metromile’s Pulse is a small wireless device that plugs into your car’s diagnostic port (the same one used by your mechanic to diagnose problems with your car), without the need for tools or any other hassle.

According to Metromile, any information shared through your OBD-II port will be collected by the company, including the health of your vehicle (things like a check engine light). It can also track your miles driven, your location using GPS (this can be turned off at any time), and its onboard accelerometer and gyroscope can measure changes in velocity and angle (useful in the event of an accident). If you choose, you can download a CSV of all your data.

Finally, Pulse’s data can be accessed through Metromile’s app or through their online dashboard, where you can see routes that cost the least to drive, track and compare your gas mileage over time, monitor your car’s health, and even receive street sweeping alerts (currently available in Chicago, San Francisco, San Diego, and Los Angeles).

If you receive any alerts, Pulse can help you decode the problem and even put you in contact with Metromile’s staff mechanic, who will help address whatever’s going on.

Metromile App Alert for Car HealthIf Pulse alerts you to any potential problems, getting in touch with Metromile’s staff mechanic is as easy as pressing a button.

Given Metromile’s focus on technology—not to mention the fact that they specialize in insuring low-mileage drivers—how much can you expect to pay?

How Much Does Metromile Auto Insurance Coverage Cost?

We’ll talk about how Metromile establishes their rates in just a second, but in a nutshell, all their premiums are based on a monthly base rate, plus “a few cents” per mile. Here’s a quick example:

Let’s say you have a base rate of $35 per month, plus $0.05 per mile. If you drove 5,000 miles per year, you’d pay a total of $670 in total, or about $55 per month.

  • $35 base rate X 12 = $420
  • 5,000 miles X $0.05 per mile = $250
  • $420 + $250 = $670 per year

Pro tip: For a more personalized approach, be sure to use the savings estimator when you get a quote at Metromile.com, or call an agent directly.

However much you pay, your bill will consist of the current month’s base rate, plus your mileage charge for the previous month. If you don’t drive any miles during a month, you’ll only be charged the base rate.

You can earn multi-vehicle and mature driver (55+) discounts on your Metromile policy. There are no fees for terminating your policy, although you will be required to sign up for paperless document delivery and automatic billing.

Are Metromile’s Rates Really Based On Mileage?

If you go on a road trip, you won’t be charged for any miles you drive over 150 miles per day (250 miles in WA). You also won’t be charged when driving a rental vehicle. What happens if you regularly exceed your allotted mileage?

According to Metromile’s FAQ, you’ll be assessed your standard per-mile charge, but “you will never be penalized or have your rate increase purely because of an increase in annual miles. You are allowed to drive as much as you’d like …”

With average annual auto rates just north of $900, we can see from the numbers above that Metromile might be a drastically less expensive option compared to traditional insurance. However, if we were to triple the annual mileage in our example to 15K, this would result in a new annual premium of $1,170—far higher than the national average.

So, while Metromile’s eligibility (again, more soon) might not be based on mileage, their insurance is for low-mileage drivers and rates probably won’t be very competitive once you break the 10,000-mile mark.

The Partnership Between Metromile & Uber

Metromile and Uber have partnered to provide insurance 24/7 for Uber drivers, whether the policyholder is driving their car for personal use or while on the clock for Uber. This way, Metromile claims that most drivers will save money on their personal insurance premiums, since they drive relatively fewer personal miles and are avoiding costly commercial insurance policies.

Metromile’s FAQ reads:

“The partnership between Uber and Metromile enables coordination to verify data on both sides. Because Metromile logs all miles, we can subtract all miles between a ride being accepted and a ride ending (cancellation or a passenger safely exiting the vehicle) and bill only for personal miles.”

Before moving on, let’s talk about which coverages you can choose from with Metromile.

What Coverages Does Metromile Auto Insurance Offer?

Metromile Auto Insurance offers 4 different levels of liability protection, along with “full” coverage:

Pro tip: Remember that if your car is leased or financed, the bank might require higher coverage than you’d otherwise choose, which can increase your premium.

The reason you want coverage on your vehicle is so that it’ll be covered in the event of an accident. But what can you expect from the Metromile claims process?

Metromile Insurance Claims

Once you file a claim for a covered vehicle, you’ll be assigned a “dedicated Metromile customer experience advocate” to walk you through the process and answer your questions.

The Metromile claims team will also help you locate local repair facilities and keep you updated on the work as it progresses. If you require glass coverage, Metromile can make everything easy and convenient, regardless of which window needs replacement.

What Are Metromile’s Eligibility Requirements?

Before diving in, it’s important to note that Metromile’s policies are underwritten by National General Insurance. This means your coverage is provided by NGI, while Metromile only acts as the agent who sells you the policy. As such, Metromile isn’t the one approving or declining coverage.

The primary eligibility criterion for a Metromile policy is an OBD-II port, which has been required on most new vehicles sold in the U.S. since 1996. If you don’t have one you won’t be able to connect the Pulse or track miles, thus defeating the premise behind the company.

Metromile is currently only available in in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. You’ll also need to own or lease a permanent vehicle (Metromile doesn’t offer named non-owner policies). If you don’t reside in one of these, you can sign up for Metromile’s waitlist, where you’ll be notified when they come to your state.

Whether or not you qualify for a Metromile policy (and how much you’ll pay once you do) largely comes down to factors used by other insurance carriers; namely, your age, the type of vehicle you drive, the history (accidents and citations) of you and any other drivers in your household, and credit history and length of prior insurance, depending on state.

Despite what you might assume based on the data that’s transmitted from the Pulse Dongle, Metromile specifically states that “per-mile insurance doesn’t consider other driving factors such as how fast you drive, how suddenly you turn, or how hard you brake, just how many miles you drive.”

Has Metromile Received Positive Online Reviews?

Whether you’re reading about them through top-ranked consumer-focused sites like NerdWallet, Better Business Bureau, Compare.com, and many more, the consensus seems to be that if you drive infrequently (less than 10K per year), you could potentially save a decent chunk of change with Metromile.

On the flip side, many seemed to agree that if you don’t (at least) meet this basic guideline, you could potentially spend much more than a traditional auto policy.

Here on HighYa, 17 Metromile customers provided their feedback at the time of our research, giving the insurance agent an average rating of 2.4 stars. Common compliments revolved around significant savings (one reviewer claimed to have saved 50%) and solid claims experiences. Most complaints appeared to reference high premiums and confusing/frustrating claims experiences. In most instances, Metromile responded to these complaints directly.

Metromile’s iOS app had an average rating of 3.5 stars during our research, while their Android app came in slightly higher at 3.8 stars. Clearly, most users were pleased with the apps’ performance, although some complained that the designers sacrificed functionality for a more streamlined experience.

Should You Buy a Metromile Insurance Policy?

Based on what we’ve learned here, it seems like a good idea to obtain a Metromile quote if you:

  1. Drive less than 10K miles per year, due to the company’s unique pay-per-mile model. In fact, if you’re dead set on purchasing a policy like this, Metromile is the only game in town.
  2. Drive for Uber. Most lower-priced carriers specifically exclude livery—or, at least consider it a high-risk exposure and charge accordingly. As such, Metromile might provide a competitive price in this instance.

Regardless, remember that most insurance companies utilize highly complex variable rating systems to determine policy premiums. Just like any other carrier, what you pay could be much higher or lower than your neighbor, depending on thousands of different factors.

Also, if you’re looking for some of the cool features of Metromile’s dongle—like the ability to track mileage and gas usage, provide maintenance alerts, or even provide a Wi-Fi hotspot—you have options like Hum by Verizon, Vinli, Automatic, and more. If you’re on the hunt for something bare bones that only provides diagnostics, you can probably find a dongle at your local auto parts store for $30 or less.

Did you take Metromile up on their pay-per-mile auto insurance? Tell us all about your experience by writing a review below!

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23 Customer Reviews for Metromile Auto Insurance

Average Customer Rating: 2.2
Rating Snapshot:
5 stars: 4 4 stars: 2 3 stars: 1 2 stars: 3 1 stars: 13
Bottom Line: 30% would recommend it to a friend
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  • 3 out 4 people found this review helpful

    Pathetic

    I have them as an insurance company. I drive 3 miles a day. My base rate used to be $58 a month with 8.3 cents per mile when I first signed up. Only 6 months in and they raised my rates to $60 a month and 9.3 cents per mile. Sounds like they will do this EVERY 6 MONTHS! Then I just received an e-mail saying that my policy is canceled cause the expiration date on my card changed. Did anyone call me before they went and canceled my policy? Look elsewhere... I am.

    Bottom Line: No, I would not recommend this to a friend

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  • 5 out 9 people found this review helpful

    Three weeks since accident and STILL no estimate

    • Bend, OR,
    • Sep 18, 2016

    What can I say? The monthly premium is certainly better than Geico, who I was with for years before. Unfortunately, all the horror stories I've read about MetroMile's auto claim service are starting to look like they're true.

    Bottom Line: No, I would not recommend this to a friend

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  • 21 out 24 people found this review helpful

    It's a little cheaper but I won't be with them for long.

    This company does offer some people lower cost car insurance. I got it because I live and work in the same building and don't drive a lot. However, they have made a lot of mistakes and they have a poor website experience and that is the only experience the customer has access to. What is wrong here?

    First they sent the OPD dongle to the wrong address causing consternation because it was to be installed on a deadline.

    Then they kept sending me texts and email to move my car for street cleaning but I wasn't parked on the street I was parked under it in my garage. No fix for that so I had to abandon email notifications.

    Then I wanted to get on the website to view my charges. Password doesn't work. Password reset link is broken. They say I can use a different browser. What tech company in 2016 has trouble coding a website to work on all the major browsers? Lazy advice from a tech company if you ask me.

    All I can say is I don't trust them much now and I don't like them. I will keep them for now until I can find something better. They may be the only per mile insurance company now but more will follow. The ones who do it right will get my future business.

    For now all I can do is post my honest review of the company in hopes that they step up.

    Bottom line: If you don't have to, don't choose Metromile.

    Bottom Line: No, I would not recommend this to a friend

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  • 20 out 24 people found this review helpful

    Do your math...no longer a deal.

    • Marin County, CA,
    • Jun 17, 2016

    I bought MetroMile for my young adult daughter's car. At first it was very competitive, my daughter was learning to drive so the mileage was low and we were paying about $135 per month. (Which wasn't bad for an 18 year old, new driver). At 6 months both the rate and mileage rate went up. Now, at 12 months, it went up again. And, my daughter now has her actual license and has become a much more skilled driver yet the rates went way up. She will soon be driving to college about 8 miles each way. I did some math and found we'd be paying about 180 per month at the new rates. eSurance offered a similar policy at 157 per month with no mileage counting so switching off MetroMile is a no brainier. So, unless you are literally driving almost never, MetroMile probably is no deal. And, I read horror stories about claims service which I fortunately didn't have to experience. eSurance is part of Allstate, so I feel pretty good about the prospects for the new policy which will start in a month.

    Bottom Line: No, I would not recommend this to a friend

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  • 25 out 27 people found this review helpful

    Worst claim experience, poor roadside.

    • Simi Valley, CA,
    • Jun 13, 2016

    Even one star is too much for Metromile.

    I needed roadside service. I called the roadside number but I was told to please call the claim department. At that moment it was very unlikely and I felt like would not be getting any help at all.

    Then I called claim department. Claim department took the details (kept me on hold many times), but told me it will take two hours for roadside service to get to me. It took around two hours just to request the roadside assistance. And an additional two hours for roadside to come. This was an experience I shall remember.

    I am totally unsatisfied. It has been almost two months that I am waiting for my car to be repaired. The inspector/adjuster gave four appointments to body shop, just to check additional repair request, but they never turned up.

    Am I going to get my car repaired? What a big mistake that I bought Metromile. Guys don't take a chance.

    Bottom Line: No, I would not recommend this to a friend

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  • 23 out 27 people found this review helpful

    Insurance claim

    So I open up a claim for hail damage over a week ago. My adjuster has been sent my estimate and pictures of all of the dents in my car and every time I call she says that the estimate is still in review and hasn't heard anything back from the appraiser. This sucks because MetroMile is getting my money for insurance yet they know nothing and they keep telling me to call my adjuster from national general. If I'm paying MetroMile I expect them to get some results instead of sending me to the national general lady.

    The last time I checked, MetroMile is on my statement and not national general. It should not take this long to get things done. I'm just going to switch to Statefarm because their customers get their checks in the mail in less than a week. I don't recommend this company to anyone. The cost is great but when you put in a claim, that's when the problem comes in. The savings are not worth the hassle. I rather pay more and get better service.

    Bottom Line: No, I would not recommend this to a friend

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    • Nov 17, 2016

      Goodi, Sr. Customer Experience Advocate

      Hi Charleicia, I'm so sorry for the poor experience you had with your claim. Previously, Metromile had been partnering with a separate company (National General Insurance Group) to underwrite our policies. This means that they were financially responsible for claims, and also in charge of the whole process. Since customer satisfaction is of utmost importance to us, we are now underwriting our personal policies so that we can oversee the entire claims experience from purchase to resolving any claims. We are committed to providing our policyholders and other customers who may present a claim with safety, security, and peace of mind. If you'd like to discuss this further, please give us a call at 888.958.5973.

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  • 23 out 27 people found this review helpful

    Terrible customer service

    • Portland, OR,
    • Apr 30, 2016

    The customer service is friendly, but terrible once you actually get into an accident. They are slow to respond to questions. The insurance adjusters are unprofessional and don't call you back. They have a customer service person who contacts you to make sure you get what you need, then they can’t actually help you. They decided that my hit and run claim was a fraud even though I have witnesses and proof that my car was parked all day with the metronome. They just didn’t want to pay out. They treat me like a criminal and I’ve fired them.

    Bottom Line: No, I would not recommend this to a friend

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    • May 4, 2016

      Goodi, Sr. Customer Experience Advocate

      Hi Janet, I’m really sorry to hear about your claims experience. We strive to provide the best support to our customers throughout the life of their policy, especially in the unfortunate event of a claim. I’m really disappointed to find out that this wasn’t the case for you. I’ve shared your feedback with our claims team, and if you’d like to discuss your concerns further, give us a call at 888.958.5973.

    • May 11, 2016

      Charleicia Spence

      This company sucks. It's been a week and my estimate for hail damage is still "in review". Metro customer service doesn't know anything. They keep telling me to call the lady at National General. If I'm paying Metromile then I should be getting answers from them. Now there's another hail storm and I still haven't received anything from the first hail damage claim I put in. I'm looking for a new insurance company right now.

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  • 13 out 18 people found this review helpful

    Recent Quote For Insurance

    I recently called to see if your numbers were as good as people say. They are not. Comparing like coverage with you even being lower on one coverage and equal on the other; your rate was 158.56 higher when you factor in how many miles I drove last year. I have never had a claim in 34 years, and that was about 400.00 damage when my son was learning to drive. My driving record is excellent with one driver's course in the last three years, for 4 miles over in a very strict poorly funded area. I thought that your pencils would be much sharper as your liability would be lessened. Your fast-talking sales person could not explain why. Sorry.

    Bottom Line: No, I would not recommend this to a friend

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    • May 4, 2016

      Goodi, Sr. Customer Experience Advocate

      Hi Robert, thanks for taking the time to get a quote. I’m sorry to hear that you didn’t see a the savings you were hoping for with Metromile. Depending on various risk factors, as well as the coverages selected in your quote, rates will vary from person to person. The break-even mileage for most people is 10,000 miles per year, but we understand that the math may not always work out for everyone for a given time in their life. Thanks for checking us out.

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  • 16 out 16 people found this review helpful

    Just switched from USAA

    USAA is a great company, but their monthly premiums are really high. I consolidated all our cars in the home and was able to save a projected $400 dollars year. I will be putting this money aside to cover my deductibles and as a cushion.

    I compared the drive by the mile programs from Progressive and Allstate.

    Progressive does not offer service in California as of March 2016.

    Allstate drive wise did not look like it lowered your premiums but rewarded you with merchandise, but to cover all the car, they monitor other aspects of your driving habit. Kind of like a big brother, which I understand. They also did not cover California as of this date.

    I like their website and how friendly it is on both the mobile version and the computer versions.

    My reasons for switching:

    • I plan on taking public transportation more to school because the commute there is pretty bad and I did not want to pay the high monthly premiums for driving less.
    • I wanted a lower premium.
    • Built-in GPS and car diagnostics are great because now I can see if my car moved if I'm not there and I can maintain my car better.
    • I like trying new things.

    My base plan for the coverage I picked is 66.24 dollars a month plus:

    • $0.02 a mile for my Civic
    • $0.053 a mile for my Prius
    • $0.025 for my Windstar

    I will try to keep my experience with them updated as I deal with them.

    Bottom Line: Yes, I would recommend this to a friend

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  • 12 out 15 people found this review helpful

    Good for People Who Don't Drive Much

    • Philadelphia, PA,
    • Mar 17, 2016

    I switched to MetroMile from Progressive and love it. It's saving me near 100 bucks a month at this rate because I barely have to drive. I live and work in a large city with lots of public transit, and there are very few places that I need to drive to outside of a 30 miles radius. If you only need to use your car sparingly, this insurance is great.

    Bottom Line: Yes, I would recommend this to a friend

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    • May 4, 2016

      Goodi, Sr. Customer Experience Advocate

      Hi James, thanks so much for your review! I’m so glad to hear that Metromile fits your lifestyle and that you’re saving each month. Thanks for being our customer.

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  • 17 out 19 people found this review helpful

    Hold up. MetroMile is super affordable.

    I don't know why you people are saying MetroMile is expensive. It's very affordable. I was with Geico to insure my 2013 BMW 335i Turbo Coupe and my 2015 Kia Sorrento. My wife has a driving infraction from six years ago and Geico decided to cite that as a reason for doubling our insurance after years as loyal customers. I went looking for another option.

    Because I buy the best insurance coverage possible I was getting ridiculously expensive quotes from all the other major companies. I went to MetroMile because their fully loaded insurance plan was HALF of what I was paying with Geico in the first place. Here's the simple breakdown:

    • Each car has a base rate of around $50-60/month
    • The BMW has .05c/mi
    • and the Kia Sorrento has .057c/mi
    • on our busiest driving month of 2015 we paid $181 for the highest coverage insurance you can buy.

    And if you have a DUI, MetroMile cares about the last 3 years, not the last 7 like everyone else.

    Bottom Line: Yes, I would recommend this to a friend

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    • May 4, 2016

      Goodi, Sr. Customer Experience Advocate

      Hi Matt, thanks so much for your 5-star review! Here at Metromile, we're really excited to offer low-mileage drivers a better option for car insurance, and I'm thrilled to hear that it's working well for you. Happy driving.

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