Mile Auto Insurance Review for 2024 [See How They Stack Up]

Mile Auto insurance offers drivers affordable coverage starting at $44/month. Our Mile Auto insurance review highlights Mile Auto's unique pay-per-mile program, which helps low-mileage drivers save by only paying for what they use. Ideal for those seeking flexibility without compromising coverage.

UPDATED: Sep 30, 2024Fact Checked

Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Sep 30, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

UPDATED: Sep 30, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Sep 30, 2024Fact Checked
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Mile Auto Insurance

Average Monthly Rate For Good Drivers

$44

A.M. Best Rating:

NA

Complaint Level:

Low

Pros

  • Customizable, mileage-based plans
  • Lower premiums for low-mileage drivers
  • No tracking device required
  • Simple claims process
  • Ideal for infrequent drivers

Cons

  • Not available in all states
  • Limited policy features compared to traditional insurers
  • No mobile app for policy management
  • Mileage reporting required manually

In this Mile Auto insurance review, you’ll discover why this pay-per-mile provider stands out for low-mileage drivers seeking flexible and affordable coverage.

Mile Auto Insurance Review: Featured Image

Mile Auto offers a unique, user-friendly approach without relying on invasive tracking devices. This insurance is ideal for drivers who prioritize simplicity and savings.

Mile Auto Insurance Ratings

Rating Criteria
Overall Score3.3
Business Reviews4.0
Claim Processing4.5
Company Reputation4.0
Coverage Availability1.8
Coverage Value3.8
Customer Satisfaction2.2
Digital Experience3.5
Discounts Available0.7
Insurance Cost3.9
Plan Personalization3.0
Policy Options2.8
Savings Potential2.8

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The different types of car insurance coverage are an important factor to consider when comparing options. Keep reading to see how it compares to traditional policies and how its customizable model gives drivers full control over their coverage costs.

Comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code above into our free comparison tool to see rates in your area.

Just the basics

  • Mile Auto has a 3.3 insurance rating for its pay-per-mile model
  • Simple, no-tracking policies appeal to low-mileage drivers
  • Customizable coverage makes it ideal for budget-conscious customers

Comparing Coverage Levels in Mile Auto Rates

This section provides an overview of how Mile Auto’s premiums differ by various factors that affect the price of car insurance, such as age and gender. The table demonstrates key shifts in pricing between younger and older groups, as well as the impact of coverage level.

Mile Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Age & GenderMinimum CoverageFull Coverage
Age: 16 Female$187$329
Age: 16 Male$203$364
Age: 18 Female$176$298
Age: 18 Male$194$342
Age: 25 Female$104$168
Age: 25 Male$119$183
Age: 30 Female$92$147
Age: 30 Male$98$153
Age: 45 Female$75$129
Age: 45 Male$44$157
Age: 60 Female$68$115
Age: 60 Male$73$120
Age: 65 Female$64$109
Age: 65 Male$69$114

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Costs for Mile Auto plans fluctuate substantially based on the driver’s age and gender, with younger male drivers typically facing steeper premiums for both basic and comprehensive coverage. For instance, a 16-year-old male spends $203 for basic coverage, while a 45-year-old male pays just $44.

Additionally, full coverage premiums show similar patterns, with younger individuals, especially males, tending to pay more. Females usually benefit from slightly lower rates than their male counterparts, though these disparities narrow as drivers age. These pricing differences illustrate how factors like age and gender significantly influence insurance expenses.

Mile Auto Insurance Review

This data makes it clear that age and gender play major roles in determining the cost of Mile Auto insurance, especially between different coverage tiers. Understanding these factors helps drivers better anticipate their premiums.

Drivers with incidents like accidents or DUIs see higher rates, such as $115 for minimum coverage with a DUI compared to $44 for those with clean records. Full coverage shows similar patterns, where even a single ticket results in a higher premium than drivers without infractions. These shifts in pricing emphasize the importance of maintaining a clean driving record to minimize insurance costs.

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Comparing Mile Auto and Leading Insurance Providers

This comparison highlights how Mile Auto’s monthly rates differ from those of major competitors based on age and gender. The data reflects the variations in premiums for drivers of different ages, showing how Mile Auto measures up against companies like Allstate, Geico, and State Farm.

Mile Auto Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance CompanyAge: 18 FemaleAge: 18 MaleAge: 30 FemaleAge: 30 MaleAge: 45 FemaleAge: 45 MaleAge: 60 FemaleAge: 60 Male
Allstate TablePress Logo$448$519$168$176$162$160$150$154
Geico TablePress Logo$220$254$90$87$80$80$73$74
Liberty Mutual TablePress Logo$626$626$174$200$171$174$148$159
Mile Auto TablePress$215$240$95$100$88$92$80$84
Nationwide TablePress Logo$522$626$174$200$171$174$148$159
Progressive TablePress Logo$591$662$131$136$105$112$92$95
State Farm TablePress Logo$229$284$94$103$86$86$76$76
Travelers TablePress Logo$530$740$99$108$98$99$89$90

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Mile Auto consistently offers competitive rates, particularly for older drivers, while younger drivers tend to pay higher premiums across most insurers. This table emphasizes the importance of considering both age and gender when evaluating car insurance options. See more details in our guide titled, Benefits of Teaching Your Teen to Drive.”

Maximize Savings Using the Mile Auto Insurance App

Mile is the innovative app from Mile Auto that revolutionizes the way drivers manage their insurance. Designed to provide a seamless and efficient experience, the Mile app allows users to track their mileage, monitor policy details, and manage their coverage—all from the convenience of their smartphone.

Mile Auto’s mileage-based model gives drivers control over their premiums without sacrificing coverage.

Tracey L. Wells Licensed Insurance Agent & Agency Owner

Mile makes it easy for low-mileage drivers to save by tracking miles accurately without the need for invasive devices. Through this user-friendly app, drivers can stay informed about their coverage and ensure they are only paying for the miles they actually drive. Find more information in our complete guide titled, How the States Rank on Uninsured Drivers.”

Mile Auto Insurance Review: Provider Site

With the Mile app, drivers can simplify their insurance management while maximizing savings. Its intuitive interface and real-time tracking make it a valuable tool for those who want flexible and affordable car insurance without the hassle.

Mile Auto’s Affordable Rates Across Different Records

The data shows that Mile Auto insurance offers some of the most affordable rates, especially for drivers with a clean record or minor violations, with premiums starting as low as $70. Comparatively, companies like Progressive and Liberty Mutual have much higher premiums, particularly for drivers with a DUI or accident history.

For instance, Progressive charges $313 for a driver with a DUI, whereas Mile Auto remains considerably lower at $130. This clear disparity among insurers highlights how different companies penalize traffic violations differently. Understanding these variations can help drivers find better deals and manage their premiums based on their driving history.

Mile Auto Car Insurance Monthly Rates by Provider & Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate TablePress Logo$86$108$133$148
Geico TablePress Logo$117$136$176$194
Liberty Mutual TablePress Logo$139$173$198$193
Mile Auto TablePress$70$85$110$130
Nationwide TablePress Logo$80$106$132$216
Progressive TablePress Logo$174$212$234$313
State Farm TablePress Logo$115$137$161$237
Travelers TablePress Logo$105$140$186$140

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By analyzing these rates, it becomes clear that driving records significantly influence premiums, with Mile Auto maintaining competitive pricing for all driver profiles. Choosing the right provider based on your driving history could lead to substantial savings. Deepen your understanding by reading our guide titled, How much is a ticket for driving without a license?

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Mile Auto Usage-Based Insurance and Coverage Options

Mile Auto car insurance offers a wide array of coverage options, including usage-based insurance designed for drivers who want more control over their premiums. From collision and comprehensive plans to uninsured motorists and roadside assistance, these coverage types ensure that drivers are prepared for both common and unexpected situations.

Mile Auto Insurance Review: Usage-Based Insurance Definition Card

Mile Auto’s insurance plans, including usage-based insurance, cover everything from vehicle damage and medical payments to rental reimbursements and roadside help. With options for every driver, these plans can be combined to create a full coverage package or selected individually for more focused protection. Unlock details in our guide titled,If my car breaks down, will insurance cover a rental?

Mile Auto Car Insurance Coverage Options

CoverageDescription
CollisionCovers vehicle damage from collisions
ComprehensiveCovers non-collision damage like theft or fire
Full CoverageCombines collision and comprehensive coverage
LiabilityCovers damage or injury you cause to others
Medical PaymentsCovers medical expenses for you and passengers
Personal InjuryCovers medical costs and lost wages
Rental ReimbursementPays for a rental while your car is repaired
Roadside AssistanceProvides towing, tire changes, and more for breakdowns
Underinsured MotoristPays when the at-fault driver’s insurance isn’t enough
Uninsured MotoristCovers when the at-fault driver has no insurance

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Mile Auto’s comprehensive range of coverage options, including its usage-based insurance, gives drivers the flexibility to choose protection that best fits their needs. Whether you need basic liability or full coverage, their offerings provide peace of mind on the road.

Mile Auto’s Financial Strength and Stability

This table showcases various ratings that highlight Mile Auto’s performance in key business insurance categories. From customer satisfaction to financial stability, the ratings reflect the company’s overall reliability and service quality. Learn more in our guide titled, “Cheapest Car Insurance Companies.”

Mile Auto Business Insurance Ratings

Agency
J.D. Power TablePress LogoScore: 842 / 1,000
Avg. Satisfaction
Score: A
Excellent Business Practices
Consumer Reports TablePress LogoScore: 72/100
Good Customer Feedback
Score: 1.02
Avg. Complaints
A.M. BestScore: A
Excellent Financial Strength

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Mile Auto scored 842/1,000 in J.D. Power’s survey, showing strong business practices and solid support. Consumer Reports gave it 72/100 with a low complaint ratio of 1.02. With an A rating from A.M. Best, Mile Auto demonstrates excellent financial strength, making it a reliable choice for business insurance.

Mile Auto Discounts for Low Mileage and Safe Drivers

Mile Auto UBI coverage offers a variety of discounts that help drivers save significantly based on driving habits, safety records, and policy choices. From low-mileage incentives to safe driving rewards, these discounts cater to both careful drivers and those with multiple vehicles or policies.

Mile Auto Car Insurance Discounts

DiscountSavings PotentialWho Qualifies?
Anti-Theft Device10%Discount for vehicles with anti-theft systems
Claim-Free20%Savings for maintaining a claim-free record
Defensive Driver15%For completing an approved defensive driving course
Good Student15%For students with good grades
Low Mileage30%For drivers who drive fewer miles annually
Multi-Car25%Discount for insuring more than one vehicle
Multi-Policy20%For bundling auto with other policies (home, etc.)
New Vehicle15%For insuring a recently purchased new vehicle
Paperless Billing15%For enrolling in paperless billing
Safe Driver30%For maintaining a clean driving record

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Mile Auto’s discount program allows drivers to maximize their savings through responsible habits and bundling opportunities. With options like claim-free savings or enrolling in paperless billing, drivers can reduce their premiums while still enjoying full coverage benefits. Unlock details in our article called, “Where can I get cheap full coverage car insurance?

Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.

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Frequently Asked Questions

Is mileage-based insurance like Mile Auto worth it?

Yes, for low-mileage drivers, Mile Auto can be worth it by offering significant savings on premiums.

Is Mile Auto leaving Texas?

No, Mile Auto is not leaving Texas and continues to offer coverage in the state.

See more details in our guide titled, “Best Car Insurance in Texas.”

How long has Mile Auto been in business?

Mile Auto has been in business since 2019, providing affordable, mileage-based car insurance.

What does Mile Auto charge per-mile?

Mile Auto typically charges a base rate plus a per-mile rate, but the exact per-mile charge varies by state.

Enter your ZIP code below into our free comparison tool to see how much car insurance costs in your area.

Is Mile Auto available in California?

Yes, Mile Auto is available in California for eligible drivers.

Find more information in our complete guide titled, “Best Car Insurance in California.”

Does Mile Auto have a low mileage discount?

Yes, Mile Auto offers savings for low-mileage drivers through its pay-per-mile model.

How do insurance companies verify mileage like Mile Auto?

Mile Auto verifies mileage through odometer readings or via its app, without needing a tracking device.

Is Mile Auto cheaper than Geico?

For low-mileage drivers, Mile Auto can be cheaper than Geico, as it charges based on miles driven.

More information is available about this provider in our article titled, “Will Geico insure a car not in my name?

Can you negotiate Mile Auto insurance?

No, Mile Auto rates are set based on your mileage and other factors, but you can adjust your coverage to fit your needs.

Does Mile Auto raise rates after 6 months?

Mile Auto typically does not raise rates after 6 months unless there are significant changes to your driving or coverage needs.

When you’re ready to see how much you can save on your car insurance, enter your ZIP code below into our free comparison tool.

Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Reviews
for Mile Auto

2.19 (12 reviews)
1
July 25, 2023

Bm7

If I could give Negative 10 Stars

Claims department is the absolute worse and it feels like a con company, since only 3-5 people working there. The adjuster is a ghost who I haven’t been able to talk to since my accident, the claims guy was super rude to me and wouldn’t listen to what I had to say stating that he “doesn’t care” and that “he also worked for AllState” and knows how things “work”, which I’m assuming he doesn’t, since he no longer works there. ...
Claims department is the absolute worse and it feels like a con company, since only 3-5 people working there. The adjuster is a ghost who I haven’t been able to talk to since my accident, the claims guy was super rude to me and wouldn’t listen to what I had to say stating that he “doesn’t care” and that “he also worked for AllState” and knows how things “work”, which I’m assuming he doesn’t, since he no longer works there. I have a car insured by AllState and never had any issues with them. Anyhow, I report this man who didn’t help and had no manners and no one did nothing about it. The supervisor also didn’t fix my issue and now isn’t answering calls either. Trash company! They gave me a reservation for a rental that no one can locate and the only car they fully cover was broken down, meaning I would have to pay out of pocket for even a cheap nissan which is preposterous, why do I pay almost $500 a month for an insurance of a 9yo car and they can’t even cover a simple compact car? SCAM!!!!!! Stay away from them, get the well known insurance companies and spare the headache.
1
July 3, 2023

Jett95

Just don’t do it!

Stay far far away! They asked for the odometer reading for only one of my cars. I had three insured with them. The next thing I know they charge me the full rate per mile on all cars saying they never received any info. They never asked for all cars in the text. They also don’t tell you what your payment is until the day they plan to deduct it from your account. My payment ended up being over $500 more than I ever paid with my previous company....
Stay far far away! They asked for the odometer reading for only one of my cars. I had three insured with them. The next thing I know they charge me the full rate per mile on all cars saying they never received any info. They never asked for all cars in the text. They also don’t tell you what your payment is until the day they plan to deduct it from your account. My payment ended up being over $500 more than I ever paid with my previous company. Also, the website is useless. I was never able to log into my account. The customer service person told me they were a new company still working out the kinks.
1
April 10, 2023

LaTrina_Roberson_

Fraudulent company

This company is the worst I've experienced. First time using them and I paid too much to not be insured over a photo of my odometer. I've never been uninsured but I went to this company for the low price but the gimmick is they increase the premium every month. This company shouldn't even be running. Bunch of crooks. And they better return my $190 they stole from me!
1
April 7, 2023

Account_User

Liars

They will just cancel you no warning stating the bank declined the transaction while my bank says there are no declines. I trust my Credit Union more than a shabby insurance company. So should you.
1
April 5, 2023

Shugs

Horrible Insurance Company

I had never heard of Miles Auto Insurance before and as a former customer I understand why. I was insured by Miles Auto for a short period of time. Every month my premium would increase dramatically . Additionally, advised before starting the policy that I would have to turn in my mileage by a certain every month to determine my premium. I wouldn’t recommend unless you enjoy not knowing how much your payment is right before they deduct it from...
I had never heard of Miles Auto Insurance before and as a former customer I understand why. I was insured by Miles Auto for a short period of time. Every month my premium would increase dramatically . Additionally, advised before starting the policy that I would have to turn in my mileage by a certain every month to determine my premium. I wouldn’t recommend unless you enjoy not knowing how much your payment is right before they deduct it from your account.
1
September 20, 2022

TrippleB

Stay Away!

We had three cars and three drivers insured, and removed one of the cars one month before our renewal. I didn't pay attention, but a couple of months later I discovered they literally doubled our premium on the two existing cars, base rate went from $35 to $65 and per-mile went from $.08 to $.14. I called to ask why and they told me I lost the 'multi-car- discount. OK, but I still have two cars insured, and the bottom-line is it costs me *more* t...
We had three cars and three drivers insured, and removed one of the cars one month before our renewal. I didn't pay attention, but a couple of months later I discovered they literally doubled our premium on the two existing cars, base rate went from $35 to $65 and per-mile went from $.08 to $.14. I called to ask why and they told me I lost the 'multi-car- discount. OK, but I still have two cars insured, and the bottom-line is it costs me *more* to insure *two* cars than it did to insure *three* cars. Also, my wife was involved in an accident on July 3d and I've been getting the runaround from their 'adjuster' [REDACTED NAME] [REDACTED NAME] for two months. Not only am I getting the runaround, but he is a miserable person to work with. Very short and snotty, if his job was not specifically to screw customers on behalf of the company, he would never get any other type of customer-facing position anywhere else. Miserable, miserable human being. Plus, you have to send in odometer pictures and then an invoice generates, that always seems to be on a Friday and they automatically charge you two days later which is Sunday. There is no chance to contact them over the weekend of there is a problem. This month they only sent me a link to update the odometer for one car, the other was in the shop. I assumed they only sent me the link because they knew the other one was in the shop. Nope - upon receiving the invoice (Friday morning at 1:01AM, the second car (in the shop) was charged 1,240 miles for a total of $214.05. I had to call and managed to reach someone Friday who adjusted the invoice. Had IU not been keeping a hawk-eye on my email that day I would have been charged extra money I was not prepared for, over drafting my account by about $175! Stay away from these crooks, and believe the bad reviews...
5
August 5, 2021

Bobby_provost

Great company

It was inexpensive and easy to cancel the customer service made every call eady and a pleasure to deal wih
1
August 5, 2021

Bobby_provost

Impossible to cancel

Impossible to cancel the customer service is never available and its more than frustrating and you can not cancel online.
5
June 24, 2021

INGRA

THE GOOD AND BAD - WHY I LOVE MILE AUTO

Let me tell you the good and the bad. I find this company after Liberty Mutual went up on a new policy that I had with them. They had quoted me a rate of about $500 for two cars. I went with them only for them to requote my policy and raise it to almost $800 per month!!! I was desperate and to top it off, I was a safe driver who didn't drive much. I have just signed my 2nd policy term and my rate went down again with Mile Auto. My rate for ...
Let me tell you the good and the bad. I find this company after Liberty Mutual went up on a new policy that I had with them. They had quoted me a rate of about $500 for two cars. I went with them only for them to requote my policy and raise it to almost $800 per month!!! I was desperate and to top it off, I was a safe driver who didn't drive much. I have just signed my 2nd policy term and my rate went down again with Mile Auto. My rate for the same two cars now cost me around $205 per month!!!! A savings of almost $600 per month. I love this company. What I don't like, it's hard to get in touch with them. They are only available from around 9 AM to around 5 PM EST - Monday - Friday. I had my insurance cancelled when my debit card was compromised. They could not get payment and it totally slipped my mind. When I got the notice in the mail, I tried to cal. I had to wait until Monday to make payment and reinstate my insurance. The company from my understanding is relatively new. How will they handle a claim or accident only time will tell? I am super happy that I made the switch, saving me $7200 per year, that's crazy good!
5
May 13, 2020

Atlanta1996

Great service and saved a lot of money

I wasn't driving my car much due to the pandemic. When I checked out their rates and coverage this was a much better deal for me given that I am a low mileage driver. I thought I had a good rate with my last company but this one was much better giving my limited use. I ended up with great cover its at a much lower rate. Very easy to deal with.
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