D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 2, 2021

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Company Details
Address: 690 Folsom Street Suite 200
City: San Francisco
State: California
ZIP Code: 94107
Phone Number: 888-244-1702
Website: www.metromile.com
Year Founded: 2011
AM Best Rating: NR
Company Rating 0 (0 reviews)

If you are in the market for usage-based car insurance, Metromile is a provider you need to know about. This young company was founded in 2011 and has created a unique car insurance experience for its customers.

Metromile provides affordable auto insurance costs by only charging you based on how much you use your car.

Keep reading to learn more about how Metromile insurance works, where you can get it, and if it’s right for you.

Do you want to compare more car insurance rates? Before jumping into this Metromile car insurance review, enter your ZIP code above, and we will help you find other providers near you.

Is usage-based car insurance affordable?

Metromile car insurance rates are made up of two parts; the monthly base rate and the per-mile charge.

According to their website, the base rate starts at $29.99 per monthly rate, and the per-mile charge is six cents. Metromile car insurance quotes will be for the base rate, not the per-mile rate.

This pay structure gives you more control over your monthly bill. If you don’t drive very much, you can wind up saving a great deal on insurance over time.

Currently, Metromile is available only in the following states:

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

If you don’t live in one of these states you can enter your ZIP code below and find top companies near you.

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What kind of car insurance coverage does Metromile offer?

Metromile car insurance company offers liability insurance with some additional types of coverage and medical insurance coverage options that you can choose from to customize your coverage policy. These types of coverage include:

  • Roadside assistance
  • Underinsured motorist property damage
  • Collision deductible waiver
  • Collision coverage
  • Comprehensive coverage
  • Underinsured motorist bodily injury
  • Uninsured motorist bodily injury
  • Personal injury protection
  • Medical payments

But what are the cons of Metromile?

Complaints and Concerns

Before you head out to buy Metromile car insurance, it is a good idea to check out their complaint index score from the National Association of Insurance Commissioners.

Currently, Metromile does not have a good complaint score. As of 2019, they had a score of 12.47 from the NAIC. For reference, an average score is one. This means that they are receiving an inordinate amount of complaints given their size.

According to the Federal Highway Administration, the average person drives 13,500 miles per year. That comes out to about $67 worth of mileage every month.

This, plus the minimum base fee of $29.99, puts the average monthly premium at around $97.

This is only insuring one car, and it is not providing complete coverage, just liability, as each additional coverage is likely to increase your base rate.

If you currently have full coverage on your car, take this into account when considering how affordable Metromile car insurance is.

Is Metromile car insurance right for me?

Metromile has a lot of things going for it as an insurance company. It has a user-friendly website with a Metromile login so you can view and change your insurance policy.

It has an easy-to-understand pricing model and is usage-based, which is very attractive to many insurance customers.

However, because they are a usage-based insurance provider, Metromile insurance will be most affordable to those who use their vehicles the least.

Also, depending on how much insurance you need for your car, Metromile may not provide it, as their focus is on liability insurance, not full coverage.

Before you go out and buy Metromile car insurance, take the time to ensure they are affordable and provide you the coverage you need.

Now that you’ve finished this Metromile car insurance review, enter your ZIP code below and we will help you continue your search for affordable car insurance.