Get all the details in our Metromile auto insurance review.


Metromile is a Silicon Valley startup that has made waves in major business review platforms like Crunchbase and Forbes, but what do drivers really think about it? In our Metromile review, we’ll take a look at the company from a driver’s perspective by diving into Metromile reviews from customers.

The pay-per-mile insurance company is based in San Francisco and is relatively young for an insurance provider – it started in 2011. Overall, Metromile can be a good choice for people in metro areas who don’t drive much.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

To collect and compare quotes from providers available in your state, call (855) 518-0148 or use the tool below:


In this article:

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, it's usage-based rate calculator does not increase your rates for bad driving habits. Metromile customers can drive late at night and take sharp corners without their car insurance rates going up. As long as you don’t get a ticket, you could be a bad driver and still get good rates from Metromile. This contrasts with other usage-based insurance options, which often put high importance on your driving habits.

Metromile Availability

Right now, you can only get Metromile if you live in one of the following states:

If your state isn’t listed (which it probably isn’t), you can sign up on Metromile’s website to be notified of expansions in coverage.



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’s 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 Is 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.



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.

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 Rate Cents Per Mile Mileage Per Month Monthly 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 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.



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.

You can also call our team at (855) 518-0148 or use the tool below to see how your Metromile estimate compares to that of other providers:




Metromile 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 3.9-star rating on Google Play (based on over 800 reviews) and a 4.7-star rating on the App Store (based on over 17,000 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.

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.


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 if you want to. 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 / 5.0 rating on the Apple App Store and a 4 / 5 rating on the Google Play store.



Our Take On Metromile: 3.5 Stars

We think Metromile could be a good choice if you live in a city and don't put many miles on your car. The easy cancellation process adds another level of security just in case you wanted to change your mind. However, make sure that you can use the Pulse device without any issues. If it’s causing you issues, it might be a better idea to switch providers before you get charged for too many days without a signal.

Use our tool below or call (855) 518-0148 to start comparing car insurance quotes:




Recommended Providers

If you don't think Metromile is the right fit for your needs, there are other low-cost car insurance options out there. Provided below are some details about two of our top-recommended providers, including one that has its own usage-based insurance option.

Progressive Insurance logo

Progressive: Usage-Based Insurance In 48 States

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 4.5 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 Insurance logo

USAA: The 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 2020 U.S. Auto Insurance Satisfaction StudySM and Insurance Shopping Study.



Frequently Asked Questions About Metromile

How much does Metromile charge per mile?

Metromile’s per-mile rate depends on different things – like your age, the state you live in, and the coverage level you want. It can range from six cents per mile to twelve cents or more.

Is Metromile insurance any good?

Metromile is a good insurance option if you’re a low-mileage driver and if you can verify that the Pulse device gets a good signal during your daily routine. Trouble getting a good signal for the Pulse device is a common issue in Metromile reviews from customers.

Who is Metromile owned by?

Metromile is an independent company. It is privately held and is owned by its founder, David Friedberg and its investors.

Does Metromile track speed?

Metromile’s Pulse device can track your acceleration, speed, and motion, but it does not factor these into your rates. The only thing that matters is your mileage, which sets it apart from many other usage-based options.

How much does pay-per-mile insurance cost?

Pay-per-mile insurance costs vary between providers and drivers. With Metromile, quotes can range from $45 to $150 per month and more. The lowest you could pay is $29 per month if you didn’t drive your car at all and you qualified for the cheapest base rate.

The only way to know what you would pay is to get a quote yourself, which is pretty easy to do. However, pay-per-mile plans aren’t usually economical for people who drive 10,000 miles per year or more.

Does Metromile have full coverage?

Yes, Metromile offers full coverage. You can get liability, comprehensive, collision, MedPay, PIP, and uninsured/underinsured motorist coverage from Metromile. The provider also offers roadside assistance and rental car reimbursement coverage.

Can you take road trips with Metromile?

Yes, you can, and you won’t have to pay a huge amount to do so. Your per-mile rate only applies for up to 250 miles per day (150 in New Jersey). That means if you drive 400 miles in one day, you’ll only pay for 250 of them. However, this is the only kind of mileage cap that Metromile has. There are no caps on monthly or yearly miles.

How do you cancel Metromile?

You can cancel your insurance from Metromile anytime without paying a fee by simply calling customer support at 888-311-2909 and requesting your policy be cancelled.


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