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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.

Behind the Scenes with Junna Ro, Metromile’s New General Counsel

Junna Ro joined Metromile as general counsel. A former AAA insurer chief ethics and compliance officer, she is excited about making auto insurance accessible for more people.
Junna Ro, Metromile’s new general counsel

We founded Metromile to offer what we believe no one else currently can: Insurance you pay for only when you use it. Our goal is to reinvent insurance for drivers with an exceptional experience, including smart-driving features and the opportunity for lower rates with pay-per-mile auto insurance.

Junna Ro, an insurance industry veteran of 15 years, recently joined Metromile as general counsel. She has dedicated her career to advocating for others and working to make insurance more accessible, and we are excited to welcome her to the Metromile community.

We asked Junna why she decided to join the community and what she is most excited about for Metromile.

What should people know about you, Junna?

I’m a native San Franciscan. I went to UCLA and majored in political science before attending Santa Clara University School of Law. I started my legal career in-house at VERITAS Software, a software company focused on backup and storage software. I know something about hyper growth: I was there for seven years, including the merger with Symantec. When I started, we had about 700 employees, and the company grew to about 14,000 employees when I left.

What did you learn from your experience at AAA?

I saw an opportunity to work for a trusted, well-known brand: AAA. I moved to CSAA Insurance Group, an AAA insurance company; but AAA is more than just insurance: it offers a full package of travel services and automotive and roadside assistance services. They’re very values-based and customer service-oriented as a membership organization, and it’s something that made for a really great experience as an employee. The change in culture and mindset was very compelling.

I learned a lot there, especially about the critical role that insurance plays in the economy. You’re protecting people’s assets and personal interests. Insurance is important, as it gives people the opportunity to pursue their goals with peace of mind, knowing that they’re protected. I love that insurance is there to help you during a time of need, to help you get back on your feet after you’ve experienced a setback — that really resonates with me.

How did you decide to join Metromile?

Transitioning to a values-based, customer service-oriented organization was important to me, especially when it aligns with my values. Seeing how it makes such a difference from an employee perspective was striking, and it translates into a better customer experience. You’re creating a community at Metromile, and it translates into how you treat your customers.

The idea that Metromile is an insurance company that started as a technology company is also attractive because there’s an opportunity to truly innovate in an industry that I believe has otherwise gone relatively unchanged for many decades. Frankly, coming from a traditional insurance company that’s been around for a long time, I know the challenges that come with trying to innovate. Being a part of the movement at Metromile to do things differently so that we can be relevant and accessible for the next generation of drivers, and meet and exceed their expectations, is exciting.

What opportunities do you see for Metromile?

I think Metromile is on the cutting edge of doing something very relevant, including making traditional insurance processes easier. We want to create a new insurance customer experience, especially for those driving less or taking alternative forms of transportation for their lifestyle or the environment.

Many traditional insurance companies are challenged with moving into the digital world, which is imperative in today’s market. I want to help drivers understand their coverage and demystify the policy, so people know what they purchased and how it will come to their help during their time of need. 

You’ve dedicated your career to advocating for others. Based on your experience, what can the insurance industry do to promote diversity, belonging and inclusion?

We still have a way to go. I remember walking into an insurance industry conference earlier in my career, and I felt like the odd one out. I didn’t see a lot of people that look like me. While there has been progress made today, I’ll say the industry still lags with the representation of women and people of color, especially in executive leadership ranks across the board. 

I firmly believe that representation matters. It is crucial to understand your customers and to be knowledgeable about their experiences and needs; this is relevant if you want to stay relevant. We have a way to go, and I want to be part of that movement.

I worked together with colleagues to found an organization called the National Association for Diversity in Compliance with compliance leaders at different companies. We thought it was essential to provide a place to support each other’s careers and ensure people feel they have a voice. We saw there were no other organizations focused on diversity in the compliance profession and found like-minded people to provide a great network for professionals, wherever they are in their careers.

What are you passionate about?

Recently, I got more actively involved with civic engagement. I was a political science major, and the recent election brought me back to my college days. I volunteered and took six shifts of an election protection hotline to help voters in various states across the country understand their voting rights. I answered questions like where their polling place was, how to navigate voter eligibility rules, and how to find safe alternatives to voting in person. It was gratifying to me, and it made me realize it’s so easy to take our democracy for granted. Representation is important.

I was also passionate about getting out the vote. It resonated with me. When I was in college, I was 17 on election day during a presidential election year. I was so frustrated that I wasn’t old enough to vote. I remembered that and helped register students who turned 18 after election day to vote in the subsequent U.S. Senate runoff elections in January. Even amid the pandemic, I found ways to get back to my roots and get involved in meaningful ways.

Most importantly, how do you spend your time?

I love to spend time with my family. We’ve been bonding a lot more because of the pandemic, and I treasure my time with them. I have two teenage kids: my son is a first-year at UCLA and was a nationally ranked competitive fencer, and my daughter is a junior in high school who is an aspiring novelist and screenwriter. She’s the creative writer in the family. The pandemic has allowed us to slow down from our otherwise harried pre-pandemic life. We have game nights, and they work hard to win.

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.

Welcoming Ryan Graves to the Metromile Community

Ryan Graves, a member of Uber’s founding team, invested in Metromile and will join the board of directors. He shares why he invested in Metromile and the opportunities he sees ahead.

We started Metromile to create digital insurance for an increasingly digital world. We believe that auto insurance doesn’t work for many people: It overcharges 65% of drivers unfairly and isn’t customer-centric or adaptive to how people actually get around.

Ryan Graves, a member of Uber’s founding team, will be joining Metromile’s board of directors following the closing of their business combination with INSU Acquisition Corp. II for the same reason. 

Ryan, who worked at Uber from its founding through its IPO, most notably as senior vice president of global operations, is the founder and CEO of Saltwater, an investment company focused on long-term growth and partnership. In addition to joining Metromile’s board, he invested in the company, alongside Chamath Palihapitiya’s Social Capital, Mark Cuban, and leading institutional investors.

We asked Ryan why he decided to join the Metromile community and the opportunities he sees ahead.

How did you hear about Metromile?

I’ve known about Metromile since my Uber days. I remember thinking: “Well, that’s a no brainer.” As the world has become increasingly dependent on data, I believe this transition has become even more obvious.

When I started investing, I picked up the 1968 Berkshire Hathaway shareholder letter, and I read every letter through 2017. I feel like I got this general education in the insurance business and a healthy alternative to the venture investment approach. It just landed. The way the value-oriented investor looks at a company and how Berkshire Hathaway establishes relationships with its operators just felt more like me. It’s quite fulfilling to be a partner and coach in those relationships and support incredible leaders. 

I’m focused on how to use business and the investments that I make to be a platform for more than returns — to have an impact — and that’s why I leaned into Metromile.

Why did you choose to invest in insurance and Metromile specifically?

Insurance is a foundational financial tool in someone’s life. It can prevent bad scenarios and create opportunities.

We learned in 2020 that the world is unpredictable, and auto insurance is necessary to manage the risk that can take away opportunities, but it’s also an overhanging cost for many people. I saw this when we started Uber. In the old taxi model, a driver starts the week or month in the hole, and they’re working a certain number of hours just to break-even. They might only be making money for their work for 30% or 40% of their time driving.

Insurance is similar: Without pay-per-mile auto insurance, a driver might pay hundreds of dollars per month with flat-rate insurance before they even use their car. This is why I see Metromile as a tool to unlock financial freedoms for so many people.

What opportunities do you think are available in the insurance industry?

There’s certainly opportunity in the future of transportation. We all know that businesses grounded in technology and data science will be better positioned than the others. Metromile has that foundation, and I believe, is in a position to support the transition to an autonomous world rather than fight it. 

Metromile understands that no two miles driven are alike. That’s fascinating to me. We can support the broadest range of autonomous driving and vehicles with more safety features. We can partner with car manufacturers who deliver this technology in contrast to incumbent insurance companies who might block progress in their self-interest. Fortunately, I’m very comfortable pushing back against incumbents.

I am also familiar with the telematics world through another investment and have found many great uses for the technology. It’s wild to me that many of us have an asset worth thousands of dollars, and it doesn’t have a kind of “find my phone” feature — that in and of itself is another no brainer. Another selling point for having connected insurance is just the awareness of where your vehicle is.

There’s immediate value in sharing data with Metromile — real value in dollars saved, unlike sharing data with big social media companies, where the value isn’t at all clear and may have detrimental societal impact, that is, if you’re a fan of democracy.

What are you most excited about for Metromile?

In my research and due diligence, I understand this number one thing about the industry: In insurance, growth is easy, but profit is hard. It all comes down to discipline.

When considering an investment, I like to flesh out how a company’s management team is wired. Are they “growth-at-all-cost” or timid and afraid of change? What are their incentives? I believe Metromile’s leadership team has the right balance of a growth mindset and the long-term view necessary for disciplined growth.

Metromile is a very long-term investment for me. Metromile focuses deeply on building substantive technology, customer service you can count on, and reinforcement of risk management discipline. It struck me that there is no way this business won’t be a beast in 10 years if they continue on this path. I don’t think people appreciate the size of the opportunity ahead for Metromile just yet, and that’s when I like to invest.

I came up in Uber, a hyper disruptive tech company, and as an investor, I started with the school of Warren Buffett and Charlie Munger. What I found in Metromile is the discipline of Berkshire Hathaway and the disruption of Uber, and that’s why I’m pumped to join this team. This combination of disruption through technology and a discipline through operations will certainly deliver a winner over the long haul. 

Ryan Graves is the founder and CEO of Saltwater, his family office, incubation, and investment company. He serves on the boards of directors of charity:water, Pachama, Inc., and Fort Point Beer. Formerly, he served as a board director and the senior vice president of global operations at Uber Technologies Inc. from its founding to IPO. Graves was the first CEO and a member of Uber’s founding team.

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.