Whether you live in Los Angeles, Modesto, Redding, San Francisco, San Jose, Oakland, Fremont, San Diego, or Sacramento or closer to Death Valley or Lake Tahoe, chances are you could get more from your car insurance coverage.
California drivers can save with pay-per-mile auto insurance and keep the same or better coverage.
How to save on auto insurance in California
More than 124 million Americans, including many California drivers, could be overpaying for car insurance because they do not pay per mile.
Here’s the thing: “Pay as you go” or “pay as you drive” auto insurance is based on how far you drive. These pay-per-mile auto insurance policies can be fairer because it focuses on your actual driving. This means you can control how much you want to pay for car insurance.
Savings can add up fast. It is common for drivers to save as much as $947 a year, according to a recent survey of new customers who saved with Metromile.
| Miles driven per year | Per month | Per day | Savings* |
|---|---|---|---|
| 10,000 | 833 miles | 192 miles | $541 |
| 6,000 | 500 miles | 115 miles | $741 |
| 2,500 | 208 miles | 48 miles | $947 |
You can find out whether Metromile and pay-per-mile auto insurance is right for you for free.
Metromile’s Ride Along™ helps drivers get a more accurate rate and understand whether they could save with pay-per-mile car insurance before they buy.
California drivers can download the Metromile app and drive with us for about two weeks. Metromile observes your actual driving, including how many miles you drive, to show you your rate.
Additional discounts are available for California drivers.
Metromile customers who insure multiple cars on the same policy or install safety equipment or features in their cars could earn a lower rate. Senior drivers can save on auto insurance in recognition of their safer and mature driving practices.
How are auto insurance rates determined in California?
Insurance companies in California consider many factors when setting rates. Some of the most common include coverage limits and deductibles, claims history, driving history, vehicle type, vehicle theft rates, and many others.
Remember: It is important to shop around for auto insurance because rates can change over time. You’ll want to consider prices regularly as a result.
Pay-per-mile auto insurance can be fairer than other types of auto insurance. Metromile customers’ bills update in almost real-time because they pay per mile.
Each month, Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven. The low monthly base rate keeps your car covered, even when you might not be driving, almost like how a cell phone provider might charge you a small fee to keep your telephone number and line operating.
What auto insurance coverage do I need in California?
Making sure you have the right amount of car insurance is important for every driver. Drivers want flexible coverage options, which is why Metromile policies can be customized.
California state minimum requirements for car insurance are $15,000 per person and $30,000 per accident in bodily injury liability coverage and $5,000 in property damage liability coverage.
Many California drivers add comprehensive and collision coverage or choose higher limits because of their lifestyle.
The bottom line
There are many ways to save on car insurance, and many California drivers choose Metromile.
We’re proud to support the many drivers who are low-mileage drivers. Our goal is to provide our community of drivers with familiar coverage and provide some value as a leading pay-per-mile auto insurance company in the U.S.
If you don’t drive often or find yourself driving less than you did before, you could save with Metromile. Find out how much you could save with a free quote or take a Ride Along™ to learn more.