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.

Great news! Metromile is now a Lemonade company.
Traditional Car Insurance

Traditional auto insurance is unfair to most consumers leaving 65% of drivers overpaying for auto insurance.

Pay Per Mile 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
$29 + (450 x 6¢) =  $56
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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

Carolyn P.

“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.”

James V.

“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

Margarette P.

All miles over 250 per day are free

Don’t worry. Take that road trip!

You’ll never have to worry about “going over” on your miles – all miles over 250 (or 150 for New Jersey drivers) in one day are free.

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.

Everything else

Roadside assistance, glass repair, and 24/7 support from our claims team.

Filing a claim is easy

Filing a claim is easy

For a simple, easy experience, you can file a claim in the app or online. We’ll guide you through each step of the process. We can even expedite your claim with help from our AI-assisted system.

Learn more about claims

Check your rate
Metromile iOS and Android App

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.

Learn more about our tech

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.

Learn more about our tech

Check your rate

Car Insurance personalized for you

Check out the coverage we offer in your state.








New Jersey

Get an instant quote today

Try it risk free — we don’t charge cancellation fees.

BBB A+ Accredited Business
4.7 stars as rated on the App Store

Answers to all your insurance related questions

For more information, please visit the Help Center.

See all of our FAQs

Do you offer full coverage?

We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

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.