Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 28, 2021

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  • Metromile is a usage-based car insurance company
  • Rates are customized based on how much you drive each month
  • Metromile is currently only offered in eight states

If you are looking for usage-based car insurance, you’ve probably heard of Metromile car insurance company. Metromile offers a unique take on insurance for its customers by charging them per mile and giving them the chance to customize their own policies.

Keep reading our Metromile reviews to learn more about how to buy Metromile coverage and if it really offers affordable car insurance rates.

Do you want to compare other insurance quotes before you buy Metromile car insurance? Enter your ZIP code above to get free auto insurance quotes from local companies.

How does Metromile work?

The Metromile insurance company offers pay-as-you-go car insurance, which means they charge you for every mile you drive. Metromile uses a structure of charging a monthly rate and then six cents per mile that you drive. They track this by using a Metromile app and driving device.

The monthly rate starts at $29 and increases depending on what type of coverage levels you choose, your driving record, and other factors.

What kind of coverage does Metromile offer?

Metromile offers several types of coverage broken down into three main categories: liability coverage, car coverage, and medical coverage. Drivers can create their own custom policies with the different types of coverage Metromile has.

Here’s a list of the types of coverage they offer:

Metromile Liability Coverage

  • Bodily injury coverage
  • Property damage coverage

Metromile Car Coverage

  • Roadside assistance
  • Underinsured property damage
  • Collision deductible
  • Collision coverage
  • Comprehensive coverage

Metromile Medical Coverage

  • Under/uninsured motorist bodily injury coverage
  • Personal injury coverage
  • Medical payments coverage

Each type of coverage that you add will increase your monthly rate, so it’s important to shop around and compare car insurance quotes from multiple companies before you buy usage-based insurance.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Is Metromile actually affordable?

Metromile car insurance rates are based entirely on how much you drive. However, the monthly base rate is decided based on which type of coverage you want and other factors, including your driving history.

Because of this, while you can get a base rate of as little as $29/mo, that will only provide you with liability coverage, which will not help you if you need to make major repairs or your car is totaled.

This structure makes affordable Metromile car insurance possible, but it also means that you can be paying more for basic coverage, depending on how much you drive.

Pros and Cons of Metromile

The biggest pro for Metromile insurance is that it can be very affordable and easy to navigate. The Metromile login allows you to have easy access to your account, track your driving, see your average miles per day, and pay your bills.

The biggest cons for Metromile are that at its most affordable, it provides minimal coverage, and it is limited in its availability. Currently, you can only purchase Metromile in eight states.

All that being said, Metromile is not for everyone. However, for those who drive very little per month and want basic coverage, Metromile is a solid option.

Metromile car insurance quotes not available in your area? Enter your ZIP code below to jumpstart your search with free quotes from local companies.