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Does Your Car Insurance Spark Joy?

Spring is finally here! It’s time to pack away the thick sweaters, open up the windows, and clean the corners of our houses that haven’t seen the light of day all winter.

Are you familiar with the KonMari Method of tidying up? For those who aren’t familiar, the KonMari Method states that any item that doesn’t “spark joy” should be thanked and discarded. Founded by Marie Kondo, the KonMari Method has helped thousands of people across the world find deeper happiness and sense of calm by eliminating those items that no longer “spark joy.”


Personally, I’ve had great success with the KonMari Method. By eliminating items that no longer sparked joy I found that my home stayed tidy, felt less cluttered, and gave me a sense of peace. It also helped tremendously with my own mental clarity, which got me thinking: are there other areas of my life that could be KonMari’d?


The idea excited me, and I dove into other ways I could KonMari my life. My digital life needed cleaning up, so I purged my laptop of all the old and useless files and organized only the ones still important to me. Apps on my phone got organized into folders based on their function, and ones that no longer served me were deleted. I cleaned up my online presence as well, by removing old website login info (bye Myspace!) and embarrassing Instagram pics from 2013.


The last piece of the puzzle was figuring out what to do with my financial life. While combing through my bank statements and credit card transactions, it occurred to me: I’m paying for things that don’t spark joy but are a necessity (like electricity, my cell phone bill, etc.). How am I supposed to KonMari those things? This made me step back and think – how can I bring more joy into my life with these necessities?


The first step in this process was to sit down and figure out what I was paying for out of necessity. Was I getting what I paid for? Do these companies and services have my best interests at heart, or do I only hear from them when my bill is late? What are my other options? Many of these services didn’t pass the KonMari Method test (looking at you, Internet provider), so I started to sniff out what other companies offered the same services.


Spoiler alert: most of the necessities that I was paying for didn’t pass the KonMari test. In fact, only one did: my Metromile car insurance. To most people, their car insurance provider doesn’t exactly light a fire within them, but mine does.


If I’ve forgotten where I parked my car, the Metromile app tells me exactly where it is (this happens a lot). The Metromile app also tells me how much gas I have left in my tank and helps decode warning lights that pop up on my dashboard from time to time. As a low-mileage driver, I never feel like I’m paying for something I don’t use because, quite simply, I’m not.


My favorite feature, however, is the trip tracking feature. As a freelance writer, I’m frequently driving to various client meetings. The mileage that I put on my car for those business meetings is a deductible expense which I can claim on my taxes at the end of the year. With Metromile, I can see every single trip I’ve ever taken and the exact mileage incurred, which makes bookkeeping for my small business an absolute breeze.


While I still might be struggling to find other options for the services that don’t spark joy, I know one thing for damn sure: my car insurance sparks joy. Does yours?


Does your car insurance spark joy? If not, it might be time to switch to Metromile. Click here to grab a free quote and Spring clean your car insurance provider! Already part of the Metromile fam? Share the love and make some cash! Click here to take advantage of our friends and family referral program. Be safe out there and see you on the roads!

Busting The 3 Biggest Car Insurance Myths


Between finding a plan that fits your needs and learning to decode industry jargon (what the heck is subrogation, anyway?), you might be under the impression that car insurance is seriously complicated. And while there can be a lot to learn, coverage doesn’t have to make you tear your hair out.

In fact, we at Metromile have made it our business to make car insurance as simple and straightforward as possible — customers get the best coverage for their individual situation,  at a fair price. But the benefits of being a Metromile customer go far beyond your bank account — from a simple sign-up process and easy automatic payments to seamless customer support and features like a monthly trip summary. Your peace of mind is a priority for us, and we value your time.  


But in case you’re still skeptical, it’s time to bust the biggest myths and set your mind at ease:


Myth #1: My insurer won’t believe it was a hit and run.


If your insurer is Metromile, there won’t be frustration. Meet AVA, Metromile’s AI claims system, who can verify where and when an accident occurred and even how hard the impact was. AVA collects details in seconds to help you file your claim quickly, and in some cases, can even ensure instant payment and help schedule repairs. Hit and runs are bad enough without having to prove your role as the victim.



Myth #2: With car accidents and insurance claims, it’s always a “my word over theirs” situation


Although AVA’s not a real person, she packs a lot of power and pretty effectively squashes any question about the facts.  AVA’s got a team of data scientists behind the scenes who utilize machine learning to continually improve the customer experience. Acting as a virtual witness, she can even help reconstruct an accident scene, thanks to sensor data from the Metromile Pulse, our device that plugs into your car’s OBD-II port.



Myth #3: Claims are complicated and take forever.


You’re probably already using your phone to network, order food, and maybe find the love of your life. Wouldn’t it be awesome if you could also file a claim, locate a repair shop, book a rental car, and get paid all with a few swipes? You absolutely can, with the Metromile app. Unlike other insurance companies that only allow you to start the claim process online, Metromile allows customers to file the whole claim on their mobile phones, and certain claim types can even be resolved in as little as a few hours — without ever leaving your couch. And if you’re not an app person, we have a best in class Customer Experience team based in Tempe, Arizona.



Still have questions about how Metromile is busting myths and breaking through car insurance stereotypes? Visit our Help Center to learn more, or check out some pretty cool videos on our Youtube channel.

3 Signs It’s Time to Break-Up With Traditional Auto Insurance

Admit it… Have you been with your insurer longer than you’d like? Do you find yourself thinking that the relationship might not be working? Have you considered… breaking up? We’ve all been there. No matter the circumstance, breaking up is hard to do.

Before I switched to Metromile, I was in the same boat. My first experience with car insurance was with a company that my parents used, and since I didn’t know any better, I signed up with them, too. My rate was expensive (even though I had a clean driving record) and since I usually took public transportation during my weekly commute, it felt like I was paying for something I hardly used. That all changed when I spotted a cleverly-worded Metromile ad on the train and grabbed a free quote.

To find the right insurer, you might feel like you’re kissing a lot of frogs. For me, it actually felt a lot like finding that particular person worthy of a love letter, the one who makes your heart skip a beat. I switched my insurance to Metromile nearly four years ago, and I’ve never looked back.

If you’ve experienced any of the following signs, chances are it’s time to move on. Bonus: you don’t have to wait for the end of your insurance renewal to switch. With Metromile, you can switch and sign up anytime. Beyond likely saving money, you’ll get to know a different kind of car insurer.

3 Signs It’s Time to Break-Up With Traditional Auto Insurance

The relationship feels one-sided

With traditional auto insurance, paying a flat rate regardless of how much you drive just doesn’t seem fair. With Metromile, you are always charged fairly based on how much you drive. Did you know that low-mileage drivers can potentially cut their bill in half with Metromile? Every human on this earth hates paying for things they don’t use. If you drive less than 10k miles a year like me, I bet you’re spending too much with your current insurer.

You don’t want to worry about someone stealing your car (‘s heart)

Cars are pricey, and many times they can carry the same sentimental weight as a family member. Having the peace-of-mind of knowing where your vehicle is at all times is priceless. With the Metromile Pulse, a device you plug into your car’s OBD-II port, and the accompanying app, you’ll always know where your car is located. Can your current car insurance company say that? Also, did you know that the Pulse helps recover stolen vehicles? In fact, the company has recovered 94% of stolen vehicle claims – the national average is less than 60%.

Communication has broken down

Dealing with a car insurance claim can be stressful and time consuming; the customer service helplines alone can make you feel like you’re taking a number at the DMV. I’ve found that Metromile does things differently. Not only do they have s US-based claims team, but they also have AVA, a virtual claims assistant. AVA can help with car rentals, auto body recommendations, and even provide payouts in some situations.

Be safe and see you on the road!

Still Have Questions?

We’re here to help. Contact us!

A Love Letter to my Car Insurance Company

Hey, Metromilers! It’s Julianne! Some of you may know me from my blog, The Wink, or from my side hustle, writing here for the Metromile blog. What you may not know is that I’ve been a loyal customer of Metromile for four years! What started as a trial run has turned into what I hope will be a lifelong commitment.

In the spirit of Valentine’s Day, here’s a little love letter I penned to my one-and-only, my love, and the best car insurance I’ve ever had – Metromile.

Dear Metromile,


I was thinking today about how very much I love you, and how I really don’t tell you that enough. So I wanted to sit down and let you know how you’ve truly changed my life in the best ways possible.

Nearly four years ago, I saw your ad on the train:


Roses are red
Pay-per-mile car insurance
Could cut your bill in half


Were you talking to me? It felt like kismet. I was in an unhappy relationship with my current car insurance company and needed to get out; you were writing romantic poems and plastering them all over train cars. Was it meant to be? Were you looking for me, too?

I needed to meet you, so I got a free quote online. The rest, as they say, is history.

Although it’s been a few years since we met, every day with you feels like a new adventure. It’s a feeling of safety; a feeling of knowing that someone always has my back. Your unwavering support has carried me through some challenging moments in my life.


Remember the time my windshield cracked? I didn’t know what to do, but you held my hand and told me that it would be okay. You even came and fixed it the very same day. I’ve never known commitment like this before, but what I do know is that I’m all in.


Before you, I only felt frustration. I thought car insurance was a lost cause – something you’re required to have and pay out the nose for. I had a few car insurance companies before we met, but none ever really felt like “the one.” When you meet “the one,” you forget everything that came before and you never look back. That’s how I feel about you, Metromile. You’re my bae – before anything else. We’ve been going strong for almost half a decade and I’ve never once questioned my decision to switch. When you know, you know.


You never forget to remind me when I’m parked in a street sweeping zone. You always help me find my car when I forget where I parked. You help me keep my car healthy and decode problems right away. Your loyalty and dedication are what it means to be a good friend.

You truly complete me. These last few years have been the happiest of my life. I can’t tell you how lucky I feel to always have my best friend by my side (and in my pocket).


I can’t wait to grow old with you, because I know you’ll be there supporting me throughout my golden years. Long after the hustle and bustle of life have subsided, we’ll still be going strong together.


I can’t wait to see what our future holds. Happy Valentine’s Day, Metromile.



All my love,


How Much Should Your Car Insurance Cost?

It’s hard to think of anything more loathsome than overpaying for something you need. Imagine accidentally discovering your neighbor shells out half of what you do for internet that’s twice as fast. Pretty irksome, right?

red car passing in front of brown and white concrete building

How Much Should Your Car Insurance Cost?

If casually discussing your monthly bills with friends and acquaintances isn’t your style, then the best way to ensure you’re paying the appropriate amount for necessary goods and services is to do some research and stick to companies you trust. Case in point: Metromile, a company that believes customers should pay a fair and affordable rate for what they use (what a concept, right?). When you switch to Metromile for car insurance, you can rest assured you’re getting exactly what you pay for and never being taken for a ride.

The Average Cost of Car Insurance in 2018

While it’s totally possible to get a general sense of what car insurance costs around the country, it’s important to keep in mind that rates can vary quite a bit based on numerous factors like location, age, gender, vehicle type, etc. But all that said, you can still look at the big picture and figure out where you stand.

Our friends over at The Zebra did some analysis across the country and found that in 2018, the typical rate for Americans paying car insurance was $1,426/year or $118.63/month. Shocked? Surprised? Pleasantly at peace with what you’re paying? It’s worth understanding the methodology behind The Zebra’s findings before you freak out or celebrate. The researchers came to those numbers after examining nearly 53 million rates between September and December 2017 across all United States zip codes, including Washington, DC.

The team devised a consistent base profile for the insured driver to come to their conclusions: Analysis used a consistent base profile for the insured driver. This fictional driver:

  • Was a 30-year-old single male
  • Drove a 2013 Honda Accord EX
  • Had a good driving history
  • Had coverage limits of $50,000 bodily injury liability per person/$100,000 bodily injury liability per accident/$50,000 property damage liability per accident
  • Had a $500 deductible for comprehensive and collision

Taking all that and more into consideration, The Zebra team settled on the average rate of $1,426/year or $118.63/month. But to fully grasp all that went into those numbers, it’s helpful to break down the factors one by one.

What Factors Impact Your Rate

If you’ve been reading the Metromile blog for a while, then you probably know a bit about how car insurance is calculated. But here’s a refresher on the most common factors that make up car insurance rates across carriers:

  1. Age:

    According to research, age reliably correlates with risky driving behavior, and those at the lower and higher ends of the spectrum are generally considered to be greater risks on the road. Typically teens, people under the age of 30, and adults older than 70 have higher rates.

  2. Location:

    Where you live in the country may have the biggest influence over how much you pay since car insurance is regulated at the state level and priced by zip code. That means wherever your car is usually parked could heavily influence whether your monthly bill is high or low.

  3. Vehicle type:

    Just like you, your car is unique, and it has a specific identifier that no other car has: its vehicle identification number (VIN). The 17-character code is used for tracking recalls, registrations, warranty claims, thefts, and, yes, insurance coverage. When you provide your VIN to an insurance carrier, that company is able to take a peek into your vehicle’s mileage, accident history, model, etc. All those attributes are factored into your premium cost.

  4. Driving History:

    It really does pay to be safe. The more tickets, accidents, and violations you rack up, the higher your rates will be.

  5. Coverage:

    Your coverage limits and deductible amount affect your overall rate. In short: higher limits equal high rates and lower deductibles result in higher rates. The higher your deductible, the more likely you’ll have a lower rate (but, of course, it’s crucial to select a deductible amount you can actually afford).

The Car Insurance Carrier You Choose Matters

When you’re analyzing average rates between carriers, it’s important to know you’re not exactly comparing apples to apples. Each car insurance company relies on slightly different calculations to formulate rates, and, as mentioned above, each state operates differently on top of that. So while The Zebra’s national averages might be a helpful starting point when taking stock of your own rate, understanding the personal factors that are contributing to your costs will better equip you to make necessary changes.

So, what’s the bottom line, you ask? How much should car insurance actually cost? As you probably guessed by now, there’s no single clear-cut answer, and how that question is answered depends heavily on who’s asking it. But while there are no black or white answers in the world of car insurance costs, there are a few general, overarching rules of thumb worth following.

Know that you can expect small decreases in your bill as you age (until you turn 70, usually). And if you really want to guarantee you’re on track to score the best deal and truly getting what you’re paying for, then it’s time to make the switch to Metromile. Not only is Metromile the kind of company that will only ever charge you for the miles you drive, but it’s a comprehensive carrier that will help you save money on everything from street sweeping tickets to mechanic shop visits — seriously.

Ready to make the switch? Call 1.888.242.5204 or visit to get your free quote. And if you’re already a member, consider a chat with one of Metromile’s qualified agents to find out how you could be saving even more money. Still have questions? Reach out to us on Twitter, FB, or Instagram or visit the help center.

What To Do If Your Car Is Stolen

There are the minor inconveniences that make a morning tough — insufficient caffeine consumption, overflowing inbox, etc. — and then there are the major, stomach-churning situations that derail more than just your day. A prime example? Walking out to your car, only to find an empty spot.

Vehicle theft sucks, and unfortunately, it’s on the rise: As Metromile reported in June, 5.9 billion dollars were lost to motor vehicle theft in 2016, according to the FBI. That equates to 765,484 total vehicle thefts in the U.S., 60,000 of which happened in the L.A. area alone. And while recovering a stolen vehicle is possible, it only happens 42% of the time.

The silver lining here (seriously, there is one) is that while having your car stolen is a violating, unpleasant experience, knowing what to do when it happens and how to avoid it in the first place can significantly cut down on the emotional turmoil and post-theft logistical headaches.

Avoiding Car Theft In The First Place

The best strategy for sidestepping any theft-related unpleasantness is, of course, to avoid the theft altogether. And while you can’t guarantee a theft-proof future for your vehicle, you can take important steps to minimize the risk.

  • If you’re on the market for a car, it’s worth knowing which makes and models are most likely to be stolen. According to the National Insurance Crime Bureau’s 2017 Hot Wheels Report, the 1998 Honda Civic, 1997 Honda Accord, and 2006 Ford Pickup are the three most likely to be taken. Check out the top 10 list to see which vehicles you might want to avoid if you can help it.
  • This may seem obvious, but don’t — seriously, don’t — leave your car running while you hop out for a quick errand. It takes a split second for a thief to take advantage of an easy situation, so always turn your car off and always take the keys with you (and lock up!).
  • Never leave personal belongings on the seat or in plain sight.
  • Try your best to always park in well-lit, populated areas.
  • Consider investing in an anti-theft device — in some states, Metromile offers a discount for having an anti-theft or recovery device installed.
  • If that’s not enough of a reason for you to switch to Metromile, consider this: the Smart Driving app and the Pulse device helps customers track down their vehicles in the unfortunate event that their car is stolen.

What To Do If Your Car Is Stolen

The most important thing you can do if your car is stolen is to act quickly — the longer you wait to take action, the less likely it is that your car will ever find its way back to you. Here’s your to-do list:

  1. Contact the police right away. You won’t be able to file an insurance claim until you file a police report, so talk to law enforcement ASAP. Be prepared to share some key info, including the make, model, year, and color of your car, the license plate number, any distinctive features, and the vehicle identification number (VIN).
  2. Contact your insurance company. You’ll also want to do this quickly — preferably within 24 hours of the theft. Depending on the type of coverage you have, you may be able to receive payment for your stolen vehicle. But even if you don’t have comprehensive coverage, you’ll need to notify your carrier so that you’re protected in case the thieves hurt someone or damage something with your vehicle.
  3. Contact the DMV — since the agency keeps a database of stolen vehicles, they may be helpful in the search.

The Metromile Customer Advantage: Metromile Car Recovery

While it’s tough to consider anyone who’s experienced car theft “lucky,” Metromile customers who are victims of the crime do have a unique advantage. The Metromile Pulse device can actually help track a car’s location so that it’s visible on the Metromile app.

This isn’t just a theoretical tool — the Pulse has been used to recover stolen cars before! If you’re a Metromile customer and your car is stolen, it’s still imperative that you follow the proper protocol and report the theft to the appropriate parties, but know that you may have helpful information on your side.

If The Car Is Gone For Good, Are You Covered?

No one wants to face the fact that their property may just be lost for good, but if enough time has passed and it looks like your car is long gone, never to return, it’s time to take stock of your losses.

The only form of insurance that totally reimburses the cost of a stolen car is comprehensive coverage — this is the type of plan that will also cover your vehicle in the case of a natural disaster, or a fluke accident, like a fallen tree.

So what happens if you don’t have comprehensive coverage? If you’re dealing with a stolen car, then you have a “total loss,” meaning the lost value, or repair cost of your vehicle exceeds its insured value. Metromile customers who experience a total loss will still need to have insurance to cover a rental car, but won’t be charged for any mileage while shopping for a replacement vehicle.

As for the items that were taken along with your stolen car, there’s good news and bad news. First, the bad: car insurance doesn’t typically cover the cost of stolen personal items. However, if you have renter’s or homeowner’s insurance, you may be able to get some help covering the costs.

What To Do If/When You Get Your Car Back

So you got your car back — congrats! Now what? Do a happy dance and then take a look around to see if any personal items were stolen. It’s also a good idea to assess any damage to the interior or exterior and check with your insurance provider to see what is/isn’t covered under your plan.

Still Have Questions?

No worries, we have the answers. Check out our FAQ page in the Metromile Help Center to see if there’s already an answer to your inquiry. And if your question isn’t answered there, you can get direct, customized guidance from one of Metromile’s licensed agents by calling 1.888.242.5204 to talk it out.

Whether you’re freaked out by the prospect of a stolen car or trying to recover from a theft, you’ll want to work with an insurance company that has your back in every situation. If you’re thinking about making the switch, call 1.888.242.5204 or visit today for a free quote.

Everything You Need to Know About the Metromile App

Here at Metromile, we’re more than just car insurance; we have made it our mission to make owning a car easier than ever before. Did you know that in addition to all of our awesome coverage such as Comprehensive, PIP/MedPay, Property Damage, and Uninsured/Underinsured, you also get unlimited access to our smart driving app? The Metromile app is packed full of useful features – you can file a claim, view your proof of insurance card, make changes to your policy, call for roadside assistance, and more!

If you were today years old when you found out we have an app or already use it on the reg, there are always new and useful things to discover. Let’s explore the different features and maybe you’ll learn something new!

Everything You Need to Know About the Metromile App

Insurance Features

First up, let’s explore the insurance features of the app and how you can access each of them.

    1. Proof of Insurance
      Your Proof of Insurance card is what you need to display when you get into an accident, get pulled over by a police officer, and when you go into the DMV to register your vehicle. It is required by law to carry proof of insurance in the vehicle you are driving.

      How to Access in the App:

      Navigate to the bottom menu and tap on the ‘Insurance’ icon. Your Proof of Insurance document is in the menu underneath the ‘Start a New Claim’ menu. Tap on ‘Proof of Insurance’ to access your up-to-date Proof of Insurance documents.

    1. File a Claim
      You can easily handle filing a claim directly from the Metromile smart driving app – praise be! Report an accident, file for glass repair, and call for roadside assistance, all without opening a browser.

      How to Access in the App:

      Navigate to the bottom menu and tap on the ‘Insurance’ icon. On the top navigation menu, tap what kind of claim it is – roadside assistance, glass repair, or an accident. Follow the prompts on the screen, which will walk you through the appropriate questions.

    1. Make Changes to Your Policy
      Did you know that you can make changes to your policy from the smart driving app? Such a handy feature! Edit your coverage and add or remove drivers directly through the app – no phone call required. Note: you can make multiple updates, but you’ll only be able to submit changes once per day.

      How to Access in the App:

      Navigate to the bottom menu and tap on the ‘Insurance’ icon. Once you’re on the ‘Insurance’ page, tap on ‘Edit Policy’ in the center menu (fourth option down). For security reasons, the app will have you log into your account again. Once you’re logged in, you’ll be able to see your Metromile dashboard. Tap the three horizontal lines in the upper left-hand corner of the screen and navigate to ‘Policy.’ Scroll down the page and see the changes you’re able to make, such as adding or editing drivers, adding or editing vehicles, adding or editing lienholders, and editing the garaging and mailing addresses.

  1. Roadside Assistance
    Calling for roadside assistance is now as easy as firing up the Metromile smart driving app! You can request a tow, call for assistance changing a flat tire, or request a battery jump and our Metromile roadside service team will be there to assist you every step of the way.

    How to Access in the App:

    Navigate to the bottom menu and tap on the ‘Insurance’ icon. On the top navigation menu, tap ‘Roadside Assistance.’ Follow the prompts on the screen, which will walk you through the appropriate questions to figure out exactly what your needs are. Then sit tight and our Metromile team will dispatch a service technician to help you out.

Billing Features

Another great feature of the Metromile app is the ability to view your monthly charges and keep up-to-date on what your current bill is shaping up to be. This allows you to be strategic in planning your trips and puts you in control of your monthly bill. The app can even tell you how much certain trips cost in fuel! Pretty neat, huh?

  • How to Access in the App
    Handle all your billing needs directly from the Metromile smart driving app by navigating to the ‘Billing’ icon in the bottom menu. By tapping on the icon, the app will open your billing history and include your current monthly charges. To see the cost in fuel, navigate to the ‘Trips’ icon in the bottom menu. Then tap a particular trip and scroll to the bottom of the page. The miles driven, time driving, fuel cost, and estimated MPG will all be displayed. To update your billing information, tap the cog icon in the upper left-hand corner of the screen and navigate to ‘Payment Method.’
Car Features

As a (free!) bonus to all of our Metromile customers who use the smart driving app, we provide car features, such as a vehicle locator (very handy if your car is towed or stolen), street sweeping alerts, a check engine light decoder, and trip tracking and details.

    1. Vehicle Locator
      The vehicle locator feature is on the overview page when you first open the Metromile smart driving app. On the overview page, there is a map with a pin placed where your car is parked. The pin also displays the fuel level in the tank, so you know when it’s time for a fill-up!
    1. Street Sweeping Alerts
      If your car is parked in a street sweeping location, the Metromile app will let you know. Be sure to go into the Settings on your phone and turn on notifications from Metromile – we won’t spam you, we promise! We’ll only notify you if your car is in danger of getting a ticket or towed for being parked in a street sweeping zone. Note that the street sweeping alerts are currently available in the following select cities: Chicago, Los Angeles, San Diego, and San Francisco.
    1. Check Engine Light Decoder
      Save yourself an arm and a leg at the car repair shop by getting a free check engine light reading with the Metromile smart driving app! If your check engine light pops on, the Metromile app will decode it and let you know what the problem is. To view in the app, navigate to the ‘Overview’ tab and scroll to the bottom. Once you know what the issue is, you’ll be able to do your own research on the problem and find a solution, rather than relying on the mercy of the repair shop.
  1. Trip Tracking and Details
    If you’re someone who keeps a close watch on the miles you drive, the trip tracking feature in the Metromile smart driving app will be your new best friend. To see all past trips, navigate to the ‘Trips’ icon in the bottom menu. Tap on a trip to view your route taken, miles driven, time driving, fuel cost, and estimated MPG. We totally geek out on this stuff, and we bet as a Metromile customer, you do too!

Still Have Questions?

No worries, we have the answers. Check out our FAQ page in the Metromile Help Center to see if there’s already an answer to your inquiry. Some of our top FAQs answered below:

Metromile App FAQs

1. Where can I download the app?

    1. To download the Metromile app, visit the

App Store

    1. (iOS users) or

Google Play

    1. (Android users).

2. Do I need the app to have Metromile insurance?

    1. No way, Jose! The Metromile smart driving app is simply a perk that we provide to all our customers at no extra charge. No hard feelings if you don’t want to use it or it’s cluttering up your phone – we’ll always be here in case you change your mind.

3. Do I need Metromile insurance in order to have the app?

    1. Yes, the Metromile smart driving app is for Metromile customers only. You (or someone in your family) must be a Metromile customer to use the app.Read to make the switch?

Get a quote here


Now that you’ve seen how great the Metromile app is, become a Metromile customer today by grabbing a free quote! If you’re already a Metromile customer and haven’t downloaded the app yet, what are you waiting for? It’s free! As always, be safe out there and see you on the roads.

Julianne Cronin is a Bay Area freelance writer, content creator, and founder/editor of the women’s lifestyle site, The Wink. 

Medical Payments and Personal Injury Protection Explained

If you’ve been visiting the Metromile blog for a while, there’s a decent chance you’re well on your way to becoming a coverage connoisseur, able to effortlessly rattle off the differences between collision, comprehensive, liability, and uninsured coverage. But even if you’re just kicking off your insurance education, you’re probably already hip to the fact that not all coverage is created equal. That’s why today, we’re breaking down even more must-know terms: medical payments coverage and Personal Injury Protection (PIP).


The Basics: What Are Medical Payments and Personal Injury Protection Coverage?

Medical Payments Coverage

Unsurprisingly, medical payments coverage (sometimes called medical expense or MedPay) is intended to cover the costs of, well, medical payments that are the result of an accident. This type of coverage protects you no matter who is at fault for the accident. While your health insurance plan may go a long way in paying for medical costs, MedPay typically fills in the gaps and is a good go-to in the case of low limits or high deductibles. Aside from covering any necessary hospital expenses, medications, etc., medical payment insurance may help pay for any injuries sustained by your passengers, injuries you sustain as a pedestrian or bicyclist if a driver hits you, any necessary dental care resulting from the accident, and, in the worst case scenario, funeral expenses.

Personal Injury Protection Coverage

Personal Injury Protection is similar but distinct; while medical payments coverage is strictly intended to cover medical bills, PIP takes things a step further, covering health costs and resulting lost wages for you and your passengers after an accident, regardless of fault. Unlike bodily injury liability insurance, which covers damages to other people If you cause an accident, PIP pays for your expenses. And while MedPay and PIP overlap in some areas, PIP usually covers more expenses and is written specifically for car-related injuries, which are sometimes excluded from certain health insurance policies.

But all that info is general — the specifics of medical payments coverage and PIP vary from state to state. For example:
  • In California, Arizona, Illinois, and Virginia, medical payments coverage can pay medical bills for injuries you or your passengers sustained in a covered accident, up to the limit you choose (regardless of who caused the accident).
  • Pennsylvania requires something called first-party benefits for medical expenses; that just means MedPay covers medical costs, funeral costs, lost income, and any potential death benefit for the policyholder and anyone occupying the covered vehicle, at the time of the accident, no matter who’s at fault, up to a limit you choose.
  • In Washington, insurance providers are required to offer PIP to cover lost wages and benefits resulting from injury or death (residents can choose to reject this coverage).
  • MedPay isn’t offered in Oregon, but PIP is required to cover medical expenses (which may include lost wages and/or other benefits) resulting from injury or death, regardless of who’s at fault in an accident.
  • Similar to Oregon, New Jersey is considered a “no-fault” state because, regardless of who caused the accident, PIP is required to cover an array of medical, rehabilitative, and living expense options as well as lost wages.

These are just a few examples of how MedPay and PIP may vary — to find out the requirements where you live and to make sure you’re abiding by all the local laws, visit the Department of Motor Vehicle (DMV)’s state by state guide.

So Do You Really Need Medical Payments Coverage and/or PIP?

We get it, all these different types of coverage can be confusing and overwhelming, and it can be hard to know which ones fit your needs, lifestyle, and budget. But there are at least a few guidelines that can help you make the right decision.

The Legal Stuff

As mentioned above, some states require certain forms of insurance, so if you’re a driver, your decision is already made for you (at least it takes the guesswork out of the equation, right?).

Most states offer MedPay, but a handful don’t: Oregon, Minnesota, New York, and North Dakota.

    Medical Payments Coverage Is Required In:
    1. Pennsylvania
    2. Maine
    3. New Hampshire

Things are a little trickier when it comes to PIP. In addition to Washington D.C. and Puerto Rico, 15 states use the no-fault system and require drivers to buy PIP:

    Personal Injury Protection Coverage Is Required In:
    1. Delaware
    2. Florida
    3. Hawaii
    4. Kansas
    5. Kentucky
    6. Massachusetts
    7. Michigan
    8. Minnesota
    9. New Jersey
    10. New York
    11. North Dakota
    12. Oregon
    13. Pennsylvania
    14. Texas
    15. Utah

If your state requires PIP coverage, then you can count on your insurance policy to cover your expenses in an accident — even if another driver was at fault — unless certain monetary or verbal “tort thresholds” are met. That means either the resulting expenses would exceed a specific amount or you’d have to suffer a specific type of injury before being able to file a lawsuit. All these rules and regulations vary from state to state, so it’s important to know the laws where you live (check the Department of Motor Vehicles website for more info on the requirements in your neck of the woods).

The Coverage Stuff

When it comes to how much coverage you really need, well, as with a lot of other insurance scenarios, it depends. The cost of your policy will depend on your coverage limit and deductible, as well as your location, age, and other factors. Determining how much you need and can afford takes some personalized planning, so it’s always best to work with a skilled insurance agent who can walk you through the process (you can reach ours at 1.888.242.5204).

One of the biggest things to consider when looking into MedPay is your health insurance. If your health insurance will provide adequate coverage for injuries you suffer after a car accident, and MedPay isn’t required in your state, then you may not need it. If you health insurance does not cover injuries results from car accidents, it’s a good idea to buy medical payments coverage.

On the other end of the spectrum, often times PIP can work in conjunction with your health insurance coverage. To do so, you have to set your health insurance as your primary form of injury coverage after an accident. Which means: your health insurance benefits will pay your medical costs in the event of a car accident that causes you injury. Your Personal Injury Protection coverage would then help with expenses that exceed your health insurance limits. Be sure to consult with your health insurance and car insurance providers before making any decisions.

Remember both MedPay and PIP cover medical bills after an auto accident, but MedPay does not include coverage for lost wages, rehab or other essential services like PIP does. So, if you’re required to have PIP, MedPay may be overkill. However if your state’s limit on PIP is low, MedPay coverage could be a beneficial supplement.

Still Have Questions?

If you find all this info confusing, you’re far from alone. Insurance can be a tough topic to navigate, which is why Metromile offers a comprehensive Help Center to address all the most common frequently asked questions on coverage types, claims, billing, and much, much more. And if your question isn’t answered there, you can get direct, customized guidance from one of Metromile’s licensed agents. Whether you’re just signing up for a new policy, switching providers, or thinking of tacking on a new type of coverage, Metromile’s there to take the guesswork out of the equation. Get a free quote today or call 1.888.242.5204 to talk it out.

Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.

How Metromile Roadside Assistance Works

If you’ve been a longtime reader of the Metromile blog (hey, thanks!), you’ll remember our previous posts on comprehensive and collision coverage, how to choose the property damage and bodily injury coverage for you, and what to do if you get into an accident with an underinsured or uninsured driver. Today we’re covering a new topic – how the Metromile roadside assistance program works.

From a dead battery to getting locked out of your car, there’s never an instance when Metromile roadside assistance doesn’t come in handy. Why pay a different company to handle roadside assistance when you can add it to your Metromile policy in a snap? Let’s get into the nitty-gritty of how roadside assistance works, what’s included, and more. Grab a cup of coffee, pull up a chair, and let’s chat.

Do You Need Metromile Roadside Assistance?

First things first – you need to understand how roadside assistance works to determine if it’s the right fit for you! Let’s get into the cost, use cases for roadside assistance, how to call for roadside assistance, and more.


The cost to add roadside assistance to your policy is about $5 – $7 a month. In addition to towing, our roadside assistance coverage offers flat tire changes, battery jump starts, locksmith services, and emergency gasoline deliveries. All of that protection for the price of a matinee movie ticket!

Use cases

We offer roadside assistance as an optional add-on to comprehensive and collision policies. The coverage includes:

  • Flat tire fixes
  • Locksmith services
  • Emergency gasoline delivery
  • Towing (up to the distance outlined in your contract)

Please note that this coverage only applies to vehicles listed on your policy. If you need to edit the vehicles covered on your policy, you can easily do so through your Metromile online dashboard.

How Metromile Roadside Assistance Works

Once you have Metromile Roadside Assistance, we hope you’ll never have to use it. But if you are ever in a bind like outlined above, we’ll be happy to help.

How to call for roadside assistance

A time may come when you need to call for roadside assistance, and you’ll most likely be stressed, frustrated, and a little on edge. That’s why we make it so easy to do.

  1. Metromile Roadside Assistance on the Metromile App
  2. Your first option for calling roadside assistance is through the Metromile smart driving app. Simply log into the app and tap the ‘Insurance’ icon on the bottom right. Then, tap the ‘Roadside’ icon in the top left and follow the prompts on the screen. The app will take you through questions such as, “Were you in an accident?” and “Will you be waiting at your vehicle for the tow truck to arrive?” to determine what type of assistance you need. Once you complete the prompts, a driver will be dispatched and sent to you as soon as possible.

  3. Metromile Roadside Assistance on your online dashboard
  4. The second option for contacting roadside assistance is through the Metromile online dashboard. From the dashboard, navigate to the ‘Claims’ tab on the top navigation bar. Then, click ‘Request Roadside Assistance’ in the right-hand menu. Follow the prompts so we can determine what type of assistance you need and a driver will be dispatched to help you!

  5. Calling Metromile Roadside Assistance
  6. The third option for calling roadside assistance is, yep, you guessed it – by actually calling! Call us at 1-800-983-3400 and we’ll get a driver out to help you right away.

What happens next?

Sit tight – a dispatch driver is on their way to you. Whether you need a battery jump, a flat tire fixed, or a full-on tow, we’re here to help. Remember that this is all included in your roadside assistance coverage, at no out-of-pocket cost to you! Just another perk of being a Metromile customer.

Still Have Questions?

It’s cool. Here are some of our most-asked questions about roadside assistance.


  • Do you need it?
  • Roadside assistance is something that you never think you’ll need, but when the time comes, you won’t take it for granted. If your car is older or unreliable, you’ll especially thank yourself when the unexpected happens.

  • Is it worth it?
  • The price of roadside assistance is equivalent to about two lattes a month. If you love road trips, this might be a smart coverage option for you. For Metromile customers, adding roadside assistance is typically much cheaper than using an external company like AAA. Also, can you really put a price on your peace of mind?

Visit our Help Center

If you still have any lingering questions, be sure to visit the Metromile Help Center. We have answers about roadside assistance, the Metromile Pulse device, how billing works, coverage options, and more.

As we all know, cars can be somewhat unpredictable. If your car decides to break down at the worst possible time, Metromile has got your back! If your car breaks down on the road and you have elected for Metromile roadside assistance coverage, you can submit an online roadside assistance request, file through the Metromile app, or call Metromile roadside assistance at 1-800-983-3400 to request service. Our Metromile roadside assistance team will make arrangements to assist you and also can provide an estimated time of arrival.


Metromile roadside assistance is not just for towing services, although an on­-call tow truck is a convenience that shouldn’t be overlooked – especially if you are a fan of impromptu road trips or have a long daily commute. In addition to towing, our roadside assistance coverage offers flat tire changes, battery jump starts, locksmith services, and emergency gasoline deliveries. The really nice part? All this protection comes for less than the cost of a matinée movie ticket or two lattes – only $5­ – $7 extra dollars a month. One additional thing to note: we may require that you carry comprehensive and collision coverage in order to add roadside assistance to your policy.

If you’re not yet a Metromile customer, be sure to grab a free quote today. If you are a Metromile customer and don’t yet have roadside assistance coverage, what are you waiting for? Add it to your policy now! Be safe out there and see you on the roads.

What To Do If You Get into An Accident With an Uninsured or Underinsured Driver

It’s not exactly a fun way to pass the time, but do you ever think about what you’d do in the event of an accident? If you were the one responsible (hey, it happens to the best of us), you probably know the steps to take to get the claims process going. And if you’re involved in an accident caused by another party, you’ll want to get up to speed on filing a claim with the other driver’s insurer. But in both those instances, someone’s insurer is there to cover costs and facilitate the process. So what happens if you’re hit by a driver who doesn’t have adequate coverage—or worse yet, doesn’t have coverage at all? That’s where uninsured and underinsured motorist coverage comes into the equation.

What To Do If You Get into An Accident With an Uninsured or Underinsured Driver

What is Uninsured and Underinsured Motorist Coverage?

Just like its name suggests, uninsured and underinsured motorist coverage (sometimes called UM/UIM) exists to protect you in case another driver hits you and doesn’t have the coverage to pay up for costs and damages. This type of coverage also comes in handy in case of a hit-and-run crash — if another driver hits you and takes off, uninsured and underinsured motorist coverage will ensure you’re not left on the hook for all of your expenses. Whether you have medical bills, car repair payments, or both, this type of coverage will prevent you from having to pay for everything out-of-pocket.

Even if the at-fault driver in an accident has coverage, it may not be enough to cover your costs. Their liability limits may be too low to pay for your bills, or their limits may be less than or equal to your UM/UIM coverage limit. In both those scenarios, uninsured and underinsured motorist coverage can be a lifesaver.

While this type of coverage may sound like a no-brainer-must-have addition to your policy, not all states make it mandatory. In fact, only 21 states and the District of Columbia require uninsured and underinsured motorist coverage by law. And if your state doesn’t mandate it, and you’ve never had a reason to know about it, you might wind up with an unpleasant surprise in the unfortunate event of an accident — after all, according to the Insurance Information Institute, one in eight drivers is uninsured.

The Different Types of UM Coverage

Now that you understand the logic behind UM/UIM coverage, it’s time to get familiar with the two distinct types of UM that exist:

  1. Uninsured Motorist Bodily Injury (UMBI):
  2. UMBI can help cover the costs of medical bills, lost wages, and pain and suffering for people who are protected under your policy (like family members in other cars or passengers in your insured car) if they’re involved in an accident caused by an uninsured driver.

  3. Uninsured Motorist Property Damage (UMPD):
  4. UMPD can help pay for the damage done to your vehicle if you’re hit by an identifiable uninsured driver (though it’s not always applicable to hit-and-runs). This type of coverage isn’t available in all states, and if it is available in your state, it may not cover hit-and-runs, so be sure to talk to a licensed agent about your specific location and situation.

Some states require drivers to have UMBI and/or UMPD:

  • UMBI coverage is required in: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Nebraska, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, South Dakota, Vermont, Virginia, Washington D.C., West Virginia, and Wisconsin.
  • UMPD coverage is required in: Maryland, New Hampshire, North Carolina, South Carolina, Vermont, Virginia, Washington, D.C., and West Virginia. It’s also required in Alaska, Arkansas, California, Georgia, Indiana, Louisiana, Mississippi, Rhode Island, Tennessee, Texas, and Washington, but drivers are allowed to reject it if they submit a written request.

Coverage limits (the total amount an insurance company will pay for a single accident or claim) vary greatly by the insurer and state. There are also different coverage minimums in states where UMBI and/or UMPD are required. For example, in California, the minimum for UMBI coverage is $15,000 per person/$30,000 per accident, and the minimum for UMPD coverage is
$3,500. It’s important to talk to a licensed agent so you know the limits in your specific state.

Do You Really Need UM/UIM Coverage?

Of course, tacking on UM/UIM coverage does come with an added cost. So if you’re on a tight budget, how do you decide if it’s right for you? It might be worth considering the following factors:

  1. The number of uninsured drivers in your specific state (live in Mississippi, New Mexico, Michigan, Tennessee, or Florida? You’ll want to check out those stats).
  2. The minimum liability coverage your state requires is low, and your vehicle is worth a lot.
  3. The thought of being involved in a hit-and run (even as a pedestrian, since that’s included) keeps you up at night.

So what is the added cost of UM/UIM coverage? Like pretty much everything in the world of insurance costs, it depends. A lot of pieces of info are factored into the cost of your coverage, like your age and location, claims history, chosen limits, and the type of vehicle you drive. In general though, you can expect UM/UIM coverage to make up about 5-10 percent of the total cost of your premium.

Still Have Questions?

This stuff can get confusing, so if you still have questions, it’s totally understandable. And it’s likely other drivers have those questions too — that’s why Metromile has a Help Center that houses some of the most frequently asked questions, including those about UM/UIM coverage. If you can’t find the answers you’re looking for there, no problem. The licensed agents at Metromiles are available to answer your questions, provide a free quote, and address any concerns you may have. If you’re an existing customer, call 1.888.311.2909, and if you’re looking to start a new policy, call 1.888.242.5204. No matter whether you’re new to the Metromile family or just looking to better understand your policy, visit and find out why having the right kind of coverage for your life and budget matters.

Michelle Konstantinovsky is a San Francisco-based journalist/writer/editor and UC Berkeley Graduate School of Journalism alumna. She’s written extensively on health, body image, entertainment, lifestyle, design, and tech for outlets like Cosmopolitan, Harper’s Bazaar, Marie Claire, Teen Vogue, O: The Oprah Magazine, Seventeen, and a whole lot more. She’s also a contributing editor at Fitbit and the social media director at California Home + Design Magazine. She is an avid admirer of shiny objects, manatees, and preteen entertainment.