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Metromile is a Silicon Valley startup that sets premium rates based on total miles driven each month. It’s an innovative approach to car insurance and the company has been featured in publications like Forbes and Crunchbase. But what do drivers have to say? In our Metromile review, we’ll look at the company from a driver’s perspective by diving into Metromile reviews from customers. We’ll also explain how pay-per-mile insurance works.

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Metromile Insurance: Overview

Pros Pay-per-mile business model Rates not dependent on driving behavior Low costs
Cons Only available in eight states Few customer reviews

Metromile was one of hte first companies to bring a Silicon Valley-style tech-based approach to auto insurance. Using the Metromile Pulse technology, the company monitored the amount of miles you drive and adjusts your premiums accordingly.

On July 28, 2022, the insurance company Lemonade acquired Metromile. Policyholders have been allowed to keep their coverage while the transition takes place.


Usage-Based Insurance With Metromile

The basic premise of Metromile is that you should save money on car insurance if you don’t drive very much. You might think Metromile is just like other usage-based insurance options such as Root auto insurance or Progressive auto insurance’s Snapshot program. However, Metromile is able to offer something unique.

While Metromile does care about your accident history, your age, and where you live for calculating rates, rates are largely based on the total distance driven. Metromile’s plug-in device (called Pulse), only monitors distance driven and not things like braking, cornering, and time of day. This contrasts with other usage-based insurance options, which often put high importance on your driving habits.

Metromile Availability

Since it was acquired by Lemonade, drivers can no longer purchase coverage under the Metromile name. Before the acquisition, the company offered insurance in the following states:

Metromile Cost And Discounts

Low costs are one of the things you will commonly hear about in positive Metromile reviews. Metromile breaks your total insurance cost into two parts: a base rate per month and price per mile.

Base rate: The base rate is a monthly fee that corresponds to the number of days in a particular month. The rate stays constant during your insurance period, but you’ll pay slightly more for longer months. On your bill, you’ll pay the base rate for the upcoming month.

Per-mile rate: This rate is charged per mile that you drive in a given month. On your bill, you’ll pay for the previous month’s mileage.

Your base rate and per-mile cost can vary with your coverage level and your personal situation. Both rates take into account your age, credit, driving record, what type of car you drive, and more.

Metromile Sample Rates

When looking at quotes from Metromile, both rates will increase and decrease together according to the coverage level you choose. In other words, there isn’t an option to choose a low base rate and high rate per mile, or vice versa. Here are some hypothetical cost scenarios:

Base RateCents Per MileMileage Per MonthMonthly Charge

Metromile’s website says that the monthly base rate can start as low as $29. Also, it claims that people who drive about 1,700 miles per year can save $947, while people who drive about 9,000 miles per year can save $541. The average person drives about 1,200 miles per month according to the Federal Highway Administration, but that’s a high number for Metromile.

Metromile Insurance Cost vs. Traditional Insurance Cost

According to both our data and some Metromile reviews, some drivers may indeed save money on car insurance by using Metromile for their car insurance coverage. The pay-as-you-go model does offer cheaper insurance, but only to drivers who don’t put many miles on their car each month. Other drivers can save money with traditional coverage.

To help you compare the cost of Metromile insurance vs. traditional insurance providers, here are some national averages from major providers on coverage for drivers fitting different profiles. You can use this information and the table above to get a better idea of which model can save you more money.

Car Insurance CompanyAnnual Rate Estimate
State Farm$1,339
Car Insurance CompanyAnnual Rate Estimate
State Farm$3,616
Car Insurance CompanyAnnual Rate Estimate
State Farm$1,765

Metromile Prepayment

As a first-time policyholder, you may be charged a prepayment by Metromile. The exact amount can vary, but from looking at Metromile’s handy infographics, it seems to be about two or three times your monthly base rate. This prepayment is like a security deposit on your account, which you get back over the next five billing cycles. It’s not an extra charge.

Let’s say you’re starting a policy with a monthly base rate of $50, and you’re charged a prepayment of $150. On your first five bills, you will get one-fifth of that prepayment amount as a credit. So the base rate on your first five bills will be $30 less than the base rate on the sixth one. The prepayment only applies to new policyholders.

Metromile Coverage Options

All Metromile customers can find plans that satisfy their state’s minimum insurance laws, or they can choose to add extra coverage options on top of that.

Here the standard coverage options from Metromile:

  • Bodily injury and property damage liability (BI/PD): Most states require liability coverage – it compensates other people in accidents that you cause. A coverage level of 25/50/25 allows for $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.
  • Uninsured/underinsured motorist (UM/UIM): Some states require this coverage. It covers medical bills for you and your passengers and damage to your car if you get hit by an uninsured driver.
  • Personal injury protection (PIP): This coverage is required in no-fault states. It pays for your medical bills, lost wages, and death benefits, regardless of who caused the accident. PIP usually requires a deductible.
  • Medical payments (MedPay): This option is similar to PIP, but it doesn’t require a deductible. It also only covers medical bills, not lost wages.
  • Collision: This is what pays for your car to be repaired after an accident – whether you were at fault or not. If you were at fault, your rates will go up.
  • Comprehensive: This option covers repairs after non-accident events, like hail or falling tree branches.

Metromile Perks

Metromile is a young company, so it doesn’t offer the same amount of perks as other top providers. For starters, you can only get one thing at Metromile: personal car insurance. You can’t get renters, condo, or gap insurance.

Aside from the standard car insurance menu, Metromile offers two benefits that you can add to your policy:

  • Rental car reimbursement: With this option, you can receive up to $30 per day for a rental car while your own vehicle is in the shop after a covered incident. You can get this reimbursement for up to 30 days per accident.
  • Roadside assistance: Metromile’s roadside assistance option adds about $5 to $7 per month to your policy, and it covers locksmith services, towing, gas delivery, jump starts, and flat tire changes.

Metromile: Not For Rideshare Drivers

If you drive your own car for work or drive for a rideshare company, you’re going to want to pass on Metromile. Metromile is designed for low-mileage drivers, and there isn’t a way for it to distinguish between miles driven for work and for personal use. Plus, Metromile doesn’t provide a rideshare coverage option, which would cover the periods when you are waiting to receive a trip request while online.

Is Metromile The Cheapest Insurance?

Generally, if you drive 10,000 miles a year or more (about 900 per month), you might want to consider other providers. You can find more affordable rates elsewhere if you drive even less than that, too. The good thing is that if you know how much you drive each month, you can forecast the cost of a Metromile policy before you make your purchase.

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Metromile Insurance Reviews

Since the company is small, you won’t see any Metromile reviews by big players like J.D. Power right now. However, the company holds accreditation from the Better Business Bureau (BBB) and an A+ rating. Overall, it has good ratings on some sites and average ratings on others.

Since Metromile’s app is featured heavily by the company, it’s also useful to take into account Metromile reviews related to the app. The app has a 4.1-star rating on Google Play (based on over 1,100 reviews) and a 4.7-star rating on the App Store (based on over 21,000 reviews).

Metromile reviews on the company’s BBB review page are mixed. While there are a number of positive Metromile reviews, there are some negative ones as well.

Positive Metromile Reviews

Many people say that they’ve saved between 30 and 50 percent on their monthly bill with Metromile. There are also numerous customers who report positive experiences when dealing with Metromile customer service.

“Best insurance company I’ve ever had, very cheap rates, excellent customer service, very friendly & outgoing.”

– Dennis N. via BBB

“I love Metromile. Great rates and top notch service. They have saved me a fortune on auto insurance. If you have vehicles that spend most of there time sitting, switch immediately. You will save too, guaranteed.”

– Claude J. via BBB

Negative Metromile Reviews

Problems with the Pulse device are common in Metromile insurance reviews on its BBB page. Metromile needs to get a signal from the Pulse device, otherwise, it can’t charge people correctly for mileage. However, when a Pulse device doesn’t send a signal, Metromile charges the customer for 150 miles of usage per day (around $10 to $15 depending on the rate per mile).

To make matters worse, Metromile only emails customers about this issue. The company doesn’t alert drivers through the app. Many customers ignored the notification email and ended up paying the higher rate for days or weeks.

In one Metromile review, the Pulse device couldn’t get a signal because the driver parked in a concrete garage. In another Metromile review, the driver said that the Pulse device killed their car battery, which made it lose the signal.

Finally, another reviewer mentions that since the device can drain the battery of some cars, you might have to get a cigarette lighter adapter to power the device. However, the adapter won’t charge the device when you aren’t driving, so you need to drive regularly. If you don’t, or if you go out of town, you’ll be charged for 150 miles per day until you drive your car again. Looking at a variety of Metromile reviews, this is the most common problem that people have.

“I’ve been waiting to speak with customer service for over an hour and nothing yet… The correct customer service phone number is inconsistent among many sources. My Pulse device shuts of frequently because I rarely have to use my car that is parked in my parking garage.”

– Jonny G. via BBB

“Your pulse device will constantly loose signal and they threaten to drop or charge you 190 or something each day[…]”

– Shelly C. via BBB

Metromile Technology & Apps

Metromile customers are required to use Metromile’s data collection device, the Pulse. The Pulse plugs into your car’s OBD-II diagnostics port and should stay plugged in unless your car is being serviced. The Metromile Pulse communicates data by a cellular signal, so you need to live in an area with adequate cell service – and getting service for the Pulse is a concern in many Metromile reviews.

While the Pulse can track other things like acceleration, mileage is the only thing that matters for your rate. The Pulse can also track your car’s location, and a few customers have actually recovered their stolen vehicles because of that. However, you can turn that feature off. You can also download a copy of the data that Metromile has collected at any time through your online dashboard.

Speaking of data, Metromile can also use data from the Pulse device when you report a claim. Since it contains movement and diagnostic information about the car, it can speed up the process of settling a claim.

Metromile: Car Insurance App

Metromile also has an app available in the Google Play and Apple App Store. This app can be used in conjunction with the Pulse to check your mileage, fuel cost, and driving time. It can also help drivers avoid fines by sending street sweeping alerts directly to your phone (in select cities).

With the Metromile app, customers can also manage their Metromile policy: adding drivers, changing coverage, and displaying insurance cards. The Metromile car insurance app has a 4.7 out of 5.0 rating on the Apple App Store and a 4.1 out of 5.0 rating on the Google Play store.

Metromile Insurance Review: 3.0 Stars

We think Metromile could be a good choice if you live in a city and don’t put many miles on your car. Generally, those who drive fewer than 10,000 miles each year are good candidates for pay-per-mile insurance.

Metromile’s easy cancellation process adds another level of security just in case you change your mind. The trial period also allows you to determine if the Pulse device that monitors your driving distance works in your area. Some customers reported issues with lost signals, which can result in higher premiums.

However, drivers can no longer purchase coverage from Metromile. While similar or even the same coverage and rates may become available through the company’s new owner, Lemonade, you’ll need to look elsewhere for usage-based insurance at this time.

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Metromile Insurance: Recommended Competitors

Progressive: Best Usage-Based Insurance

While Metromile may look enticing, you might find better quotes or coverage options from other companies. We would suggest taking a look at Progressive car insurance as one alternative. The provider earned 4.6 out of 5 stars in our review of the industry’s best car insurance companies.

With Progressive’s Snapshot program, you can get usage-based insurance in 48 states – just not in California or North Carolina. However, Snapshot does collect data on your driving habits to adjust your rate. In other words, you need to be a good driver, and about 20 percent of drivers actually see their rates increase after using Snapshot.

Progressive has an A+ rating from AM Best, and it tends to be one of the more affordable options out there. As far as customer service goes, Progressive insurance reviews indicate this is somewhat average, but you can always reach its customer service and claims support numbers 24/7.

USAA Auto Insurance: Best Choice For Military And Family Members

USAA auto insurance reviews, on the other hand, indicate excellent customer service and claims handling. However, it’s only available to members of the military and their families. Once a military member purchases a USAA policy, they can pass eligibility down as long as someone from each generation gets a policy.

USAA also tends to be the cheapest option in many states. If you can get it, there’s no reason not to try it out. The company has a rating of A++ from AM Best, which is the highest possible rating. Also, it performed very well on J.D. Power’s 2021 U.S. Auto Insurance Satisfaction StudySM and Insurance Shopping Study.

Metromile Insurance: FAQ


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

*Data accurate at time of publication.