Blog » Car Insurance 101

How is car insurance calculated?

Many drivers could save money with Metromile because they don’t drive often. Metromile customizes bills based on someone’s driving habits.

Have you ever wondered how your auto insurance rate is calculated?

Most car insurance companies consider your driving record, the type of car you drive, how much policy coverage you want, and demographic information, such as your age or where you live and park your car. 

But Metromile takes it a step further and focuses the rate you pay on how you drive.

Unlike other insurance companies, Metromile’s rates are based on how far you drive. Instead of paying a fixed rate, your actual car usage determines your car insurance premiums. This means low-mileage drivers could save money with one of our pay-per-mile insurance policies. And if you’re a safe driver, we want to recognize and reward that behavior, too.

But before we get into all that, let’s take a look at how insurance companies calculate car insurance rates.

What factors into my car insurance rates?

Car insurance companies look at certain factors when setting your rates.

While each insurer has its proprietary formula, many insurance companies tend to use the same information to calculate your car insurance premiums:

  • Your age
  • Your gender (in some states)
  • Your education (in some states)
  • Your job (in some states)
  • What type of car you drive
  • Where you live
  • Your credit score (in some states)
  • Your driving record
  • Your insurance record

Age

Your age can play a big role in determining your car insurance rates.

Studies have shown that young drivers, especially teenagers, who might have less experience on the road, are more likely to get into car accidents than older drivers. So if you’re just starting, your rates might be higher due to the increased risk.

The best thing you can do is prove you’re a safe driver by following the rules of the road, so you don’t get traffic tickets or into accidents. 

Over time, insurance companies will reward your safe driving with lower prices or discounts. 

Gender

Gender might also play a role in determining your car insurance rates.

Men are more than twice as likely to be killed in a car accident than women, according to the nonprofit Insurance Institute for Highway Safety. In 2019, the most recent year for which data is available, 11,896 male drivers lost their lives in crashes, compared to 4,868 female drivers.

This might be because men tend to drive more often and may be more willing to take risks on the road.

So you might be surprised to learn that some auto insurance industry studies show women, including those older than 25, might pay a little more than men for car insurance.

Because of this, places like California, Hawaii, Massachusetts, Montana, Pennsylvania, North Carolina, and certain areas in Michigan have banned car insurance companies from considering gender when calculating a driver’s rates. But in many other states, insurance companies can still consider gender.

Education

Some car insurance companies also look at your education.

While some states have banned this practice, in other states, drivers with a higher level of education, such as those with a college degree, could save money on car insurance compared to those who only have a high school diploma.

Some insurers might also provide a discount for college students.

Occupation

Auto insurers might also look at the type of job you have.

While this practice is not allowed in some states, your job could affect your insurance rates in other places. 

Some companies and professional groups work with insurers to provide an auto insurance discount to their employees. On the other hand, some professions might travel a lot more than other drivers, for example, and might be considered riskier and pay higher rates.

Car type

Car insurance companies also look at the type of car you drive.

If you trade in an older vehicle for a fancy sports car, it stands to reason you might pay more for insurance because your new car would cost more to replace. The more expensive it is to replace your vehicle, the greater the risk and cost for your insurance company. So they might charge a higher premium to make up for the pricey repairs.

Geography

Where you live can have a big impact on your car insurance premiums. 

That’s because some places are more dangerous for car owners than others. 

No matter how safe of a driver you are, sometimes accidents caused by other drivers are unavoidable. And even if you don’t get into an accident, your car could get stolen or affected by the weather.

So if you live in a big city with more cars on the road, where accidents and vehicle thefts might be more common, you might pay more for insurance than if you lived in a rural town.

Some car insurance companies might also ask you where you park your vehicle at night and whether it’s parked somewhere covered. It could be riskier to park your car on the street than inside your home’s garage, and this additional risk could increase your car insurance rate.

Credit score

Building an excellent credit score is not only a good way to qualify for an auto loan with low interest rates, but it could also save you money on car insurance.

In some states, car insurance companies might use your credit score to determine how responsible you are. They figure if you’re responsible with your finances, you’re more likely to be a responsible driver or less likely to file a claim.

Insurance record

Similar to your credit score, car insurance companies track your auto insurance history.

They look at previous claims you’ve filed and whether you maintained continuous insurance coverage. If you filed a claim after an accident or totaling your car, that could factor into your rates. Likewise, in many states, if you sell your car, stop driving and skip insurance coverage for a few years, it might be more expensive when you start back up.

Driving record

As you might imagine, car insurance companies are especially concerned with your driving record.

While things like your age, gender, and where you live might help car insurance companies gauge your risk, your driving record provides the most accurate representation of the type of driver you are.

If you have a pile of speeding tickets or were at fault in a car accident, your car insurance rates could skyrocket.

But over time, a clean driving record can go a long way toward helping you save money on car insurance.

What things DON’T affect the price of car insurance?

You might have been surprised about some of the information car insurance companies might use to determine your rates. But you’ll be relieved to know that your race, ethnicity, and religion should never be factored into your car insurance rates.

That information is strictly off-limits.

Furthermore, while insurance companies might look at the type of job you have, they’re not supposed to factor in your income into your car insurance rates.

How does Metromile calculate my car insurance rates?

At Metromile, we care more about the way you drive.

Our pay-per-mile car insurance policies focus on your driving record, insurance claims history, the type of vehicle you drive, the amount of coverage you get, and theft and accident rates in the neighborhood where you live.

In some states, we might also consider your age, driving experience, education, profession, and whether you’ve had continuous insurance coverage.

But what sets Metromile apart is our ability to look at your driving patterns in some states. The Pulse device we send you to count your miles can also gauge how safely you drive over time and give us an understanding of the quality of each mile you drive.

All of this information helps us get a better picture of you as a driver to personalize your insurance rates, and hopefully, offer you a lower price.

How can I save money on car insurance?

Now that you know how car insurance is calculated, let’s take a look at how you could save money on car insurance.

Here are a few ideas to get you started:

  • Shop around: Compare prices from different car insurance companies to make sure you’re getting the best price. Auto insurance prices can change over time, so you’ll want to stay up to date on the latest rates.
  • Take a closer look at your insurance coverage: You might be able to adjust your coverage levels or deductible to save money on your monthly premiums if your lifestyle has changed. But it’s crucial to weigh the pros and cons before making any changes to your policy.
  • Drive safely: Metromile offers discounts to good drivers who are accident-free and mature drivers, as well as those who install safety equipment in their cars in select states. 

The bottom line

One of the easiest ways to pay less for auto insurance is to drive less. Low-mileage drivers could save hundreds with a pay-as-you-go car insurance policy from Metromile.

Metromile offers a Ride Along™, so you can try before you buy for free. 

After you download the app and get a free auto insurance quote, you’ll have a 17-day trial period (you should keep your current insurance provider to maintain coverage) to show us how much you drive and whether you’re a safe driver. We’ll then use how you drive to show you an accurate rate or give you a discount up to an additional 40% off your quote, depending on your state, for safe driving. 

How do car insurance claims work?

Metromile makes it easy to file an auto insurance claim. Here’s how it works and what you can expect if you need to file a claim.

After getting into a car accident or having your car stolen, it’s normal to feel pretty shaken up. After the shock wears off and you ensure everyone involved is okay, it’s time to deal with the not-so-fun part — filing a car insurance claim. 

It can be tough to deal with everything you have to do, and you might have a lot of questions. In this guide, learn about the car insurance claim procedure and what you need to know to get started. 

How do auto insurance claims work?

After a car accident or instance of car theft or damage, you generally need to file a car insurance claim. As part of the insurance claim process for car accidents, vehicle damage, or personal injury, you will want to get in touch with your insurance company and provide details about what happened. 

The car insurance claims process can differ depending on the nature of the event. For example, the insurance claim process for car accidents will be different from a stolen car insurance claim investigation. Typically you’ll need the following information to get started:

  • Names and contact information for everyone involved
  • Insurance policies for both parties (as part of a car accident claim procedure compared to a stolen car insurance claim investigation)
  • The date, time, and location of the incident
  • Photos of any damage 
  • A copy of the police or accident report

When you file a claim with a car insurance company, you’ll get assigned a claims adjuster. The adjuster will review all of the information and determine which party is at fault. In some states, an insurance company can find you partially at fault and therefore partially responsible.

The claims specialist will help determine who’s at fault. If you disagree with the settlement, you can get started with the car insurance claim dispute process.

If the other party is at fault, your insurance company may seek payments from the other insurance provider. If you’re deemed at fault, you’ll need to pay your car insurance deductible. 

How do car insurance deductibles work? 

A car insurance deductible is an amount you pay out-of-pocket before your insurance company covers anything. So let’s say you had a $1,000 deductible, and the damage to your car would cost $3,000, your car insurance provider would cover $2,000 for the repairs. 

It’s important to know how much your deductible is and what type of coverage you have, such as collision coverage or comprehensive coverage

Frequently asked questions about car insurance claims 

You might have a lot of questions about how auto insurance claims work, so here are some answers to some common FAQs. 

Do I need to file an auto insurance claim?

Yes, in most cases, it is advised to file a car insurance claim. 

You must report and file a claim if there has been an accident. If there are minimal damages and no injuries, some people think it’s a good idea to settle with the other party (Hint: it’s often not). You could open yourself up to trouble down the line if they realize the damage is more than they initially realized, and your car insurance company may not cover you since you didn’t report it. 

If the damage to your car is minor, for example, scraping the side door, and no one else is involved, you generally don’t need to file a claim. The cost of repair may be less than your car insurance deductible, which means you’ll have to pay for any necessary fixes out of pocket. 

When do I file an auto insurance claim?

You need to file a claim if there has been an accident or injury involving another party as soon as possible. 

If you’ve experienced car theft, file a claim quickly so your car insurance can get started with a stolen car insurance claim investigation.

Should I file a claim with my insurance or the other person’s insurance?

If a car accident is your fault, you’ll want to file a claim with your own insurance company. 

If you’re not at fault and have collision coverage, it’s a good idea to file a claim with your own insurance company. This is a good route if the other party isn’t cooperative or has issues with their insurance. 

Lastly, if you’re not at fault and want to avoid paying your car deductible, you can file a claim with the other party’s insurance. 

Should I use my insurance company’s network of repair shops?

After a car accident, your car insurance company may refer you to a network of repair shops to help fix the damaged vehicle. These repair shops are vetted and help keep costs affordable, but you’re not required to use them. If you have another repair shop you’d rather work with, you can do so. 

Some people may get a payout if there is a total loss when the cost of repairs exceeds the vehicle’s value, so you may not need to visit a repair shop. 

How long do I have before I need to file an auto insurance claim? 

You should file a claim with your car insurance provider as soon as possible after an accident. Consult with your insurance policy to see about file claim deadlines. 

Why the vehicle insurance claim process is important 

Whether you’re in an accident or dealing with car theft or some other issue, the car insurance claim process is important for a number of reasons. Car insurance can provide financial support or peace of mind during a difficult time.

The auto insurance claims process should ideally be easy to manage, but often, it can lead to a lot of back and forth. That’s why Metromile set out to create a car insurance claim procedure that is different from the rest. 

How car insurance claims work with Metromile

Traditional car insurance companies treat filing a claim differently than Metromile. Notably, Metromile aims to save you the hassle by using technology to help you with the car accident insurance claim procedure. In some cases, your entire claim could be completely automated, meaning you can be made whole again more quickly.

We have AVA, which is Metromile’s AI claims system that can make the car insurance claims process easier than ever. AVA guides you through getting damage photos, collecting information, and even same-day payments for some claims. Using this innovative technology, you can resolve the issue at hand sooner. For example, AVA can help determine what actually happened and connect you with local repair shops or rental cars for your convenience. 

Our goal is to make auto insurance seamless. Because when you’re in a position when you need to file a claim, the last thing you need is to add any more stress to your plate. 

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

How to Get Car Insurance Online

You can buy auto insurance so quickly it’s almost instant. Learn how you can save and get the most accurate car insurance quotes online.

Getting a car insurance policy is now easier than ever. You can do it from the comfort of your own home on your schedule and do it all online. 

In this guide, we’ll break down everything you need to know before getting auto insurance online. 

How to get car insurance quotes online 

Thanks to the magic of the internet, it’s possible to get insurance quotes online easily. Many car insurance companies allow you to get auto insurance quotes online directly from their website in a few simple steps. 

Typically, you’ll need to provide your personal information as well as details about your vehicle, including:

  • Full Name
  • Address
  • Date of birth
  • Any recent accidents or traffic violations
  • Make, model, and year of the vehicle
  • Drivers license number 
  • Vehicle Identification Number (VIN)
  • Current mileage or whether you often drive for professional reasons

Providing this information can help you get the most accurate car insurance quotes online. You might see ads for cheap car insurance online that offer a quick quote anonymously. While it might seem better not to hand over all your personal information to get quotes on car insurance, oftentimes, those rates are inaccurate. 

By providing accurate information about yourself and your vehicle history, you can get a more accurate car insurance quote and make meaningful comparisons to other rates, including your current policy. 

The good news is some car insurance companies will offer a discount if you buy insurance online, so not only is it more convenient, it could save you money as well. 

Consider comparing at least three to five car insurance quotes online so you have a good idea of what average rates are like and so that you can score a great deal. Auto insurance quote comparison is crucial if you want to find a deal and the coverage for your situation. 

Even if you currently have auto coverage, it doesn’t hurt to look at what’s out there. Why? You may be able to find a better rate, as rates are always changing. Plus, you might be eligible for certain discounts you weren’t qualified for before. For example, if you got married, changed jobs, moved, or have a different car from when you purchased your last car insurance policy, check out insurance comparison quotes. You may be able to save money, which could be put toward other things in your life. 

What factors to look at with car insurance quote comparisons

When reviewing insurance quotes online, there are various factors you want to look at to get a fair assessment. 

  • Deductibles. An auto insurance deductible refers to how much you’ll pay the car insurance company before your insurance policy covers anything else. 
  • Liability limits. A liability limit is the maximum amount a car insurance company is willing to pay in the event of an accident or injury. 
  • Coverage types. Car insurance costs can vary depending on the coverage type. There are six types of coverage, including personal injury protection, bodily injury liability, property damage liability, collision, comprehensive, and uninsured or underinsured motorist coverage
  • Discounts. Many car insurance companies offer discounts to drivers for various reasons, ranging from being accident-free to installing safety equipment in your vehicle, and more. Review which types of car insurance discounts are available with each company. 
  • Extra perks. Compare any additional perks a car insurance company offers. For example, Metromile charges you based on how much you actually drive, so you can save if you don’t drive often. 

Doing your research and looking at all of these factors can make the auto insurance quote comparison process easier. 

The good news is you can do this research online at home to ultimately help you buy car insurance online. You don’t have to go through an agent anymore and can get a car insurance quote exclusively online. 

What determines the cost of auto insurance 

If you’re looking to buy cheap auto insurance online, you probably want to know what actually determines the cost of auto insurance. Here are some common factors that determine the cost of auto insurance:

  • Your age. The older you are, the more affordable your rate may be. Younger, more inexperienced drivers are likely going to have higher rates. 
  • Where you live. This matters because where you park and the city you live in can affect the likelihood of theft and accidents. More populous city drivers typically have higher rates. 
  • Driving history. Your driving history matters. If you have a clean driving record, you’ll score the best rates. If you have speeding tickets or at-fault accidents, your rates will be higher. 
  • Type of car. Your car type determines repair costs, the likelihood of theft, and more, so it affects your car insurance rates. 
  • How much you drive. The more you drive, the more at risk you are for accidents. So how much you drive can affect your rates. 

Some other factors that may be considered include your gender and your credit score, according to the Insurance Information Institute. 

How to get quotes on car insurance online with Metromile 

What makes Metromile unique is that instead of believing you get what you pay for, we believe you pay for what you get. In other words, you pay based on your mileage and how much you actually drive. Instead of a blanket flat-rate amount that doesn’t take your mileage into account, we believe that if you end up driving less, then you should end up paying less, too. 

To get the most accurate and affordable quote with Metromile, you can download our app for free. After that, with our Ride Along™ feature, you’ll score the most accurate quote based on how much you really drive. 

The way it works is you drive as you normally would for 17 days and get your free personalized auto insurance quote. Using our trial (you’ll need to keep your current insurance provider before you switch to Metromile), you get not only an accurate car insurance quote but you could also earn up to an extra 15% to 40% off your initial quote in select states as a bonus for safe driving. 

The Ride Along feature gives you personalized insights into driving behaviors like acceleration, turning corners, and braking. Once your Ride Along is complete, we’ll send you an email with your personalized rate for a pay-per-mile car insurance policy. Then, you can start your coverage with Metromile.

Melanie Lockert is a freelance writer, podcast host of the Mental Health and Wealth show, and author of Dear Debt. She’s a cat mom to two jazzy cats, Miles and Thelonious, an amateur boxer, music lover, and needs coffee to function.

Why do car insurance rates go up?

There are many reasons why your car insurance rates might go up, but with Metromile, you have the power to lower your premiums if you don’t drive very often.

Are your car insurance rates going up?

When it’s time to renew your policy, your car insurance company might send you a letter to let you know your rates are increasing.

That might not be a surprise if you recently got into a car accident or received a speeding ticket. But what if you’ve never filed a claim before? 

Sometimes, even if you drive safely, your car insurance rates might rise for reasons that are out of your control.

Let’s take a look at a few reasons why your car insurance might be so high and how a pay-per-mile auto insurance policy from Metromile could help you save money.

What factors impact your car insurance rates? 

Car insurance companies consider a number of factors when setting your premiums.

It’s important to understand that your auto insurance rates could be based on things like:

With that in mind, let’s take a closer look at why your car insurance rates might be going up.

Why did my car insurance go up? 

There are several reasons why your car insurance rates might go up.

Sometimes your car insurance premiums increase as a direct result of your driving behavior. Other times, it could have nothing to do with you. Your rates could go up simply because of changes in the market.

Here are four common reasons why car insurance rates go up:

1. Your auto insurance rates might go up if your driving record changed. 

If your recent driving shows you might be a risky or dangerous driver, your car insurance premium can increase at renewal.

For example, if you were determined to be at fault in a car accident, you’ll almost certainly notice an increase in your premiums. If you got caught speeding or running a red light, paying the ticket might be the least of your worries. 

Plus, you might lose any safe driver discounts you used to have, which could increase your rates even more. It’s a double whammy and more reason for you to drive safely.

2. Your auto insurance rates could rise for reasons that have nothing to do with driving.

For example, if your credit goes down, your car insurance premiums might increase. 

Even though it has nothing to do with your driving habits, a sharp drop in your credit score could be an indication of risky behavior that insurers fear could carry over to the streets or a greater likelihood of filing a claim.

3. Your auto insurance rates could also go up if you added insurance. 

This could be as simple as buying a new car that’s more expensive to replace, adding a new driver to your policy, especially if it’s a teenage driver, or increasing your coverage amounts. This doesn’t mean you’ve done anything wrong. 

But because the insurance company is taking on more risk or providing more coverage, they could raise your premiums.

4. Your auto insurance rates could also increase for reasons that are beyond your control. 

If you move from a quiet town to a big city, where car accidents and stolen vehicles are more common, your car insurance company might raise your rates to make up for the additional risk.

As car repairs or health care costs go up, they could also increase your premiums because it can become more expensive to pay for any vehicle damages or injuries you might cause in an accident. 

Lastly, don’t forget car insurance companies also have to factor in inflation.

What auto insurance discounts are available? 

Your car insurance company might offer various discounts.

If your car insurance rates are going up because of your driving record, you’ll probably have a difficult time finding another insurance company that will give you a better price. But if they’re increasing your rates for other reasons, you might be able to save money by shopping around for a more affordable car insurance policy that offers better discounts.

Here are some common car insurance discounts that you should make sure to ask for:

  • Safe driver discount or a no-accident discount
  • Good driver discount
  • Mature driver discount
  • Safety equipment installation discount for anti-theft equipment or car alarms, for example
  • Multi-vehicle discount

At Metromile, you could also score a discount of up to an additional 40% off your initial quote in select states by taking a Ride Along™ and demonstrating safe driving. 

What is Ride Along™, and how does it work? 

Ride Along™ is like a free trial that lets you test out Metromile without needing to commit.

All you have to do is download the Metromile app for free. Then, you’ll just drive as you would ordinarily for 17 days. We’ll take it from there and count how many miles you drive, so we can estimate how much you’d pay on a regular basis with pay-per-mile auto insurance.

While we’re at it, we might also consider your driving behavior, like whether you speed or how hard you brake. If you demonstrate you’re a safe driver during this trial period, you might qualify for an additional discount of 15% if you live in Arizona or 40% if you live in Oregon.

Then, you can switch to Metromile and start your coverage. (You won’t be covered by Metromile during your Ride Along.)

How else can I save money on car insurance with Metromile? 

Metromile offers pay-as-you-drive auto insurance.

Instead of charging you a flat rate for car insurance, we start you off with a small base rate and then charge you by the mile after that. 

While your rates may still be determined by things like your driving record, what type of car you have, and where you live, the price you pay is based on how many miles you drive. So if you’re a low-mileage driver, think about how much money you could save on auto insurance!

Miles Driven Per YearPer MonthPer WeekSavings*
10,000 miles833 miles192 miles$541
6,000 miles500 miles115 miles$741
2,500 miles208 miles48 miles$947
*Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

What’s next?

Still wondering why your car insurance rates are so high?

If your car insurance rates recently went up, you might be looking for ways to save money. While other auto insurers give you little choice over how much you pay, Metromile puts you in the driver’s seat. We provide you with control over how much you pay each month based on how many miles you drive.

The less you drive, the more you save. 

Think you might be a low-mileage driver? Get a free auto insurance quote from Metromile today to see how much you could save.

How Washington State Drivers Can Save on Auto Insurance

Drivers in Washington state could save with Metromile’s pay-per-mile auto insurance.

Whether you live in Seattle, Spokane, Vancouver, or Walla Walla or closer to Canada or the Olympic Mountains, chances are you could get more from your car insurance coverage.

Washington state drivers can save with pay-per-mile auto insurance and keep the same or better coverage.

How to save on auto insurance in Washington state

More than 124 million Americans, including many Washington state drivers, could be paying too much for auto insurance because they do not pay per mile.

Pay-per-mile auto insurance, sometimes called “pay as you go” or “pay as you drive” auto insurance, is based on your actual driving. It can be fairer because it focuses on how far you drive, which gives you control over how much you want to pay.

Savings can be substantial and add up fast. According to a recent survey of new customers who saved with Metromile, drivers can save as much as $947 a year in savings.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

You can find out whether 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.

Washington state drivers can download the Metromile app and drive with us. Metromile observes your actual driving for about two weeks, including how many miles you drive, to show you your rate.

Washington state drivers can earn additional auto insurance discounts.

Senior drivers can save on auto insurance with Metromile in recognition of their mature driving practices. Metromile customers who insure multiple cars on the same policy or install safety equipment or features in their cars could also earn discounts.

How are auto insurance rates determined in Washington state?

Insurers in Washington state consider different factors when setting auto insurance rates. Some of the most common factors include coverage limits and deductibles, claims history, driving history, vehicle type, vehicle theft rates, and many others.

Don’t forget to shop around for auto insurance regularly because rates can change over time.

Pay-per-mile auto insurance can be fairer because it helps drivers control their costs. Metromile customers’ bills update in almost real time because they pay per mile.

Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven, each month. 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 Washington state?

Making sure you have the right amount of car insurance is important. This is why Metromile provides flexible coverage options, which can be customized for every driver’s needs or lifestyle.

Washington state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage and $10,000 in property damage liability coverage. 

Many drivers in Washington state pick higher limits or add comprehensive and collision coverage for extra peace of mind.

The bottom line

There are many ways to save on car insurance, and many Washington state drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support 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.

How Virginia Drivers Can Save on Auto Insurance

Whether you live in Norfolk, Richmond, or Roanoke or closer to Appalachia, the Blue Ridge Mountains, or near Washington, D.C., chances are you could get more from your car insurance coverage.

Virginia drivers can save with pay-per-mile auto insurance while keeping the same or better coverage.

How to save on auto insurance in Virginia

More than 124 million Americans, including many Virginia drivers, could be overpaying for car insurance because they do not pay per mile.

Savings can quickly add up with pay-per-mile auto insurance. According to a recent survey of new customers who saved with Metromile, drivers can save as much as $947 a year.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

Pay-per-mile auto insurance, sometimes called “pay as you go” or “pay as you drive” auto insurance, is based on how far you drive. Because it focuses on your actual driving, it can be fairer and give you control over how much you want to pay for auto insurance.

It is free to find out whether Metromile and pay-per-mile auto insurance is right for you.

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.

Virginia drivers can download the Metromile app and drive with us. Metromile observes your actual driving for about two weeks, including how many miles you drive, to show you your rate.

In Virginia, additional discounts are available. 

Metromile customers who choose to cover 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 Virginia?

Insurance companies in Virginia 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.

Don’t forget to shop around for auto insurance regularly. Rates can change over time.

Pay-per-mile auto insurance can be fairer because it helps drivers control costs. Metromile customers’ bills update in almost real time because they pay per mile.

Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven, each month. 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 Virginia?

Making sure you have the right amount of car insurance is important for every driver. This is why Metromile provides flexible coverage options, which can be customized for any lifestyle.

Virginia state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage, $20,000 in property damage liability coverage, $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage, and $20,000 per accident with a $200 deductible in uninsured property damage coverage. 

In Virginia, many drivers choose higher limits or add comprehensive and collision coverage for extra peace of mind.

The bottom line

There are many ways to save on car insurance, and many Virginia drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support 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.

How Pennsylvania Drivers Can Save on Auto Insurance

Whether you live in Easton, Philadelphia, Pittsburgh, or Somerset or closer to Lake Erie or Mount Davis, chances are you could get more from your car insurance coverage.

Pennsylvania drivers can save with pay-per-mile auto insurance and keep the same or better coverage.

How to save on auto insurance in Pennsylvania

More than 124 million Americans, including many Pennsylvania drivers, could be overpaying for car insurance because of one mistake: they do not pay per mile.

Fortunately, “pay as you drive” and “pay as you go” insurance can give you control over how much you want to pay for auto insurance. These pay-per-mile auto insurance policies are based on how far you drive, using your actual driving.

Drivers can save a lot of money. According to a recent survey of new customers who saved with Metromile, drivers could save as much as $947 a year.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

Drivers can learn whether Metromile and pay-per-mile auto insurance is right for them 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.

Pennsylvania drivers can download the Metromile app to try pay-per-mile auto insurance. Metromile observes your actual driving for about two weeks, including how many miles you drive, to show you your rate.

Pennsylvania drivers can earn more auto insurance discounts. 

Metromile customers who install safety equipment or features in their cars or insure multiple cars on the same policy could earn a lower rate. Senior drivers can also save on auto insurance in recognition of their safer and mature driving practices.

How are auto insurance rates determined in Pennsylvania?

Insurance companies in Pennsylvania 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.

Consider shopping around for auto insurance regularly. Rates can change over time, so it is important to stay current.

Pay-per-mile auto insurance can be fairer because it helps drivers control costs. Metromile customers’ bills update in almost real time because they pay per mile.

Metromile charges a base rate and a per-mile rate each month, 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 Pennsylvania?

Making sure you have the right amount of car insurance is important for every driver. This is why Metromile provides flexible coverage options, which can be customized for extra peace of mind.

Pennsylvania state minimum requirements for car insurance are $15,000 per person and $30,000 per accident in bodily injury liability coverage, $5,000 in property damage liability coverage, and $5,000 in first-party medical benefits coverage.

In Pennsylvania, many drivers choose higher limits or add comprehensive and collision coverage.

The bottom line

There are many ways to save on car insurance, and many Pennsylvania drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support 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.

How New Jersey Drivers Can Save on Auto Insurance

Whether you live in Camden, Newark, or Jersey City or closer to the Kittatinny Mountains or the Shore, chances are you could get more from your car insurance coverage.

Pay-per-mile auto insurance can help New Jersey drivers save money while keeping the same or better coverage.

How to save on auto insurance in New Jersey

Many New Jersey drivers could be overpaying for auto insurance because they do not pay per mile. More than 124 million Americans could be overpaying already.

A good way to save is pay-per-mile auto insurance. These “pay as you go” or “pay as you drive” auto insurance policies are based on how far you drive. Because it focuses on your actual driving, it can be fairer and give you more control over how much you want to pay for auto insurance.

Savings can be considerable for drivers. 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 yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

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 before they buy. Taking this step can help you understand whether you could save with pay-per-mile car insurance.

New Jersey 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.

There are also additional auto insurance discounts available for New Jersey drivers.

Metromile customers can install safety equipment or features in their cars to earn a lower rate. Drivers who insure multiple cars on the same policy can also save. Senior drivers can save on auto insurance in recognition of their safer and mature driving practices.

How are auto insurance rates determined in New Jersey?

Insurance companies in New Jersey 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.

Auto insurance rates can change over time, so it is important to shop around regularly. 

Drivers can control their costs with pay-per-mile auto insurance. Metromile customers’ bills update in almost real time because they pay per mile, which can be fairer for drivers.

Metromile charges a base rate and a per-mile rate, usually just a few cents for each mile driven, each month. 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 New Jersey?

Making sure you have the right amount of car insurance is important. This is why Metromile provides flexible coverage options, which can be customized for every driver’s needs.

New Jersey state minimum requirements for car insurance are $15,000 per person and $30,000 per accident in bodily injury liability coverage, $5,000 in property damage liability coverage, $15,000 per person or accident in uninsured motorist bodily injury coverage, and $15,000 in personal injury protection. 

It is common for many New Jersey drivers to add comprehensive and collision coverage or choose higher limits for extra peace of mind.

The bottom line

There are many ways to save on car insurance, and many New Jersey drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support 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.

How Oregon Drivers Can Save on Auto Insurance

Whether you live in Eugene, Medford, or Portland or closer to Klamath Falls or the Wallowa Mountains, chances are you could get more from your car insurance coverage.

Oregon drivers can keep the same or better coverage while saving with pay-per-mile auto insurance.

How to save on auto insurance in Oregon

More than 124 million Americans could be overpaying for car insurance because they do not pay per mile, and this includes many Oregon drivers.

Pay-per-mile auto insurance, also known as “pay as you go” or “pay as you drive” auto insurance, is based on how far you drive. The result is more control for drivers over how much they pay for car insurance.

Drivers can save as much as $947 a year on auto insurance, according to a recent survey of new customers who saved with Metromile.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

It’s free to find out whether Metromile and pay-per-mile auto insurance is right for you.

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.

Oregon 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. In Oregon, eligible drivers can save up to 40% on their initial quote with their safe driving — it’s another way drivers can save with Metromile.

Oregon drivers can earn additional discounts. 

Senior drivers can save on auto insurance because of their safer and mature driving practices. Many Metromile customers also insure multiple cars on the same policy or install safety equipment or features in their cars to earn an even lower rate. 

How are auto insurance rates determined in Oregon?

Insurance companies in Oregon 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.

Don’t forget: Auto insurance rates can change over time. It is a good idea to shop around to find your best rate.

Metromile pay-per-mile auto insurance can be fairer because it helps drivers control costs. 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 Oregon?

Making sure you have the right amount of car insurance is important. This is why Metromile provides flexible coverage options, which can be customized for every driver’s needs.

Oregon state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage, $20,000 in property damage liability coverage, $25,00 per person and $50,000 per accident in uninsured motorist bodily injury coverage, and $15,000 in personal injury protection. 

In Oregon, many drivers pick higher limits or add comprehensive and collision coverage.

The bottom line

There are many ways to save on car insurance, and many Oregon drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support 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.

How Illinois Drivers Can Save on Auto Insurance

Drivers in Illinois could save with Metromile’s pay-per-mile auto insurance.

Whether you live in Chicago, Peoria, or Springfield or closer to the Ohio River, chances are you could get more from your car insurance coverage.

Illinois drivers can save with pay-per-mile auto insurance and keep the same or better coverage.

How to save on auto insurance in Illinois

It’s shocking, but more than 124 million Americans, including many Illinois drivers, could be paying too much for car insurance because they do not pay per mile.

But there is a fairer alternative: Pay-per-mile auto insurance. Also known as “pay as you go” or “pay as you drive” auto insurance, these policies are based on how far you drive. This means you have more control over how much you want to pay for car insurance.

And the savings can be substantial. Drivers can save as much as $947 a year, and sometimes more, according to a recent survey of new customers who saved with Metromile.

Miles driven per yearPer monthPer daySavings*
10,000833 miles192 miles$541
6,000500 miles115 miles$741
2,500208 miles48 miles$947
* Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

It’s free to find out whether Metromile and pay-per-mile auto insurance is right for you.

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.

Illinois 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.

Some more good news: There are many discounts available for Illinois 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 Illinois?

Insurance companies in Illinois 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.

Don’t forget to shop around for auto insurance regularly because rates can change over time. You don’t want to miss out on any savings.

Metromile pay-per-mile auto insurance can help drivers control their costs. Metromile customers’ bills update in almost real time because they pay per mile, which can be fairer for drivers.

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 Illinois?

Making sure you have the right amount of car insurance is important for every driver. Metromile provides flexible and customizable coverage options for your lifestyle.

Illinois state minimum requirements for car insurance are $25,000 per person and $50,000 per accident in bodily injury liability coverage, $20,000 in property damage liability coverage, and $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage. 

Many Illinois drivers choose higher limits or add comprehensive and collision coverage for extra peace of mind.

The bottom line

There are many ways to save on car insurance, and many Illinois drivers choose Metromile.

Many drivers are low-mileage drivers, and we’re proud to support 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.