Save up to $947/year with pay-per-mile car insurance.
Over 100,000 drivers trust Metromile for reliable, high-quality pay-per-mile car insurance.
Traditional auto insurance is unfair to most consumers leaving 65% of drivers overpaying for auto insurance.
With Metromile, your rate is based on your actual driving habits. Our customers save 47% on average compared to what they were paying their previous auto insurer.
How does pay per mile car insurance work
You’ll pay a low monthly rate, plus a few cents for each mile you drive.Learn more
You can save up to $947/year. *
Our rates start at just $29/mo plus a few cents for each mile you drive.Check your savings
Customers love Metromile
“I am thrilled I switched to this insurance just before the pandemic. I used to pay about $180 a month for insurance and now my bills are around $70. Highly recommend“
“You guys have been great, I work in CX and have been impressed by your frequency of communication, helpful emails, clear pricing, and app experience.”
“I was already sold on the cost of Metromile, and happy the way things were, but what really impressed me was when Metromile let me know I had an engine problem…Now THAT is insurance“
We’ve got you covered
We offer flexible coverage options that you can customize to meet your needs.
Flexible, customizable coverage that meets your needs
Accidents with another vehicle, a fixed object, motorists, and more.
Coverage for things that are out of your control like weather, animals, and theft.
Roadside assistance, glass repair, and 24/7 support from our claims team.
An app that puts you in control
An app that has your back
You can view your trips, understand your car’s health, avoid tickets with street sweeping alerts (available only in select cities), and find your lost or stolen car, all from the Metromile app.
Plus, we have a 92% stolen car return rate.
View your trips and billing summaries. Get alerts for your car’s health and avoid tickets on street sweeping days (in select cities).
Plus, we have a 94% stolen car return rate.
Answers to all your insurance related questions
For more information, please visit the Help Center.
Do you offer full coverage?
Can I have more than one vehicle on my policy? Is there a multi-car discount?
Yes. You can add multiple vehicles while completing a quote online. Our multi-car discount will save you money on each vehicle’s base rate and per-mile rate. If you’re already a policyholder, please give us a call and we can update your policy.
How are the base and per-mile rates determined?
Just like other insurance companies, several factors are considered when creating your unique base and per-mile rate. These can include: driver age, credit history (state specific), type of vehicle, driver history, and length of prior insurance (state specific).
What if I drive over 10,000 miles? Will my rate go up?
You will never be penalized or have your rate increase purely because of an increase in annual miles. You are allowed to drive as much as you’d like, but just keep in mind that you will be charged for each mile that you drive up to 250/day (150/day in New Jersey).
How does billing work?
You’re charged for your first month’s base rate when you purchase a policy, plus any required prepayment. At the end of the first month, you’ll be charged for the next month’s base rate as well as any miles driven during the previous month. That way, you’ll only receive one bill each month. We also set you up for automatic billing when you first sign up, so there’s no need to worry about missed payments. If you ever need to update your billing information, you can login to your online account.