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.
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
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
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.
On This Page
Mile Auto Insurance
Average Monthly Rate For Good Drivers
$44A.M. Best Rating:
NAComplaint Level:
LowPros
- 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 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 Score | 3.3 |
Business Reviews | 4.0 |
Claim Processing | 4.5 |
Company Reputation | 4.0 |
Coverage Availability | 1.8 |
Coverage Value | 3.8 |
Customer Satisfaction | 2.2 |
Digital Experience | 3.5 |
Discounts Available | 0.7 |
Insurance Cost | 3.9 |
Plan Personalization | 3.0 |
Policy Options | 2.8 |
Savings Potential | 2.8 |
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.
- 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 & Gender | Minimum Coverage | Full 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 |
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.
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.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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 Company Age: 18 Female Age: 18 Male Age: 30 Female Age: 30 Male Age: 45 Female Age: 45 Male Age: 60 Female Age: 60 Male
$448 $519 $168 $176 $162 $160 $150 $154
$220 $254 $90 $87 $80 $80 $73 $74
$626 $626 $174 $200 $171 $174 $148 $159
$215 $240 $95 $100 $88 $92 $80 $84
$522 $626 $174 $200 $171 $174 $148 $159
$591 $662 $131 $136 $105 $112 $92 $95
$229 $284 $94 $103 $86 $86 $76 $76
$530 $740 $99 $108 $98 $99 $89 $90
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.”
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.”
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 Company Clean Record One Ticket One Accident One DUI
$86 $108 $133 $148
$117 $136 $176 $194
$139 $173 $198 $193
$70 $85 $110 $130
$80 $106 $132 $216
$174 $212 $234 $313
$115 $137 $161 $237
$105 $140 $186 $140
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?”
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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’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
Coverage Description
Collision Covers vehicle damage from collisions
Comprehensive Covers non-collision damage like theft or fire
Full Coverage Combines collision and comprehensive coverage
Liability Covers damage or injury you cause to others
Medical Payments Covers medical expenses for you and passengers
Personal Injury Covers medical costs and lost wages
Rental Reimbursement Pays for a rental while your car is repaired
Roadside Assistance Provides towing, tire changes, and more for breakdowns
Underinsured Motorist Pays when the at-fault driver’s insurance isn’t enough
Uninsured Motorist Covers when the at-fault driver has no insurance
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 | |
---|---|
Score: 842 / 1,000 Avg. Satisfaction |
|
Score: A Excellent Business Practices |
|
Score: 72/100 Good Customer Feedback |
|
Score: 1.02 Avg. Complaints |
|
Score: A Excellent Financial Strength |
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
Discount Savings Potential Who Qualifies?
Anti-Theft Device 10% Discount for vehicles with anti-theft systems
Claim-Free 20% Savings for maintaining a claim-free record
Defensive Driver 15% For completing an approved defensive driving course
Good Student 15% For students with good grades
Low Mileage 30% For drivers who drive fewer miles annually
Multi-Car 25% Discount for insuring more than one vehicle
Multi-Policy 20% For bundling auto with other policies (home, etc.)
New Vehicle 15% For insuring a recently purchased new vehicle
Paperless Billing 15% For enrolling in paperless billing
Safe Driver 30% For maintaining a clean driving record
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.
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
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.
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.
Bm7
If I could give Negative 10 Stars
Jett95
Just don’t do it!
LaTrina_Roberson_
Fraudulent company
Account_User
Liars
Shugs
Horrible Insurance Company
TrippleB
Stay Away!
Bobby_provost
Great company
Bobby_provost
Impossible to cancel
INGRA
THE GOOD AND BAD - WHY I LOVE MILE AUTO
Atlanta1996
Great service and saved a lot of money