How does billing work?

You’re charged for your first month’s base rate when you purchase a policy, plus any required prepayment. At the end of the first month, you’ll be charged for the next month’s base rate as well as any miles driven during the previous month. That way, you’ll only receive one bill each month. We also set you up for automatic billing when you first sign up, so there’s no need to worry about missed payments. If you ever need to update your billing information, you can login to your online account.

Are miles charged upfront?

No, miles are charged retroactively. The miles you drive each month can vary, and your bill is based on the quantity of miles. As such, it is not possible to enable advance payment for multiple months.

Can I change my billing date?

At this time, we do not have the ability to change billing dates. Please note that we do not charge any late fees. If payment is not received after two successive failures to process the card on file, an email is sent with a potential cancellation date for your policy unless payment is rendered.

When is my billing date each month?

Your bill is due, and your card will be charged, two days (four days in NJ) after your billing date each month. The billing date is the day your bill is sent to you, and is usually 1-2 days after the end of your billing cycle. Your cycle begins on your effective date and ends the day before that same numerical day each month. For example, if your effective date is July 5th, then your next bill will cover July 5th to August 4th. The next cycle will begin on August 5th. The billing date would be approximately August 6th, and payment will be due two days later, on August 8th. Due to the different amount of days in each month, your billing statement can include between 28 and 31 days of base rate.

Why did I get charged twice?

If your payment failed after the first submission for processing, you may see a pending charge on your credit card statement. This will be removed within a few days based on your bank’s processing schedule. If there is no removal on your account after a week, please call us 888.244.1702.

I don’t have a debit or credit card. Can I give you my bank information instead?

At this time, we’re only able to accept debit and credit cards for payment online. If you prefer to pay by paper check or to not enroll in automatic payments (New Jersey customers only), please call us. Choosing to pay by paper check means your coverage will not be effective until we receive your check and payment is successfully processed.

Where can I find my billing statement?

Your billing statements can be accessed on your online dashboard. Click on the billing section to access past bills and update payment information.

What is a mileage budget and do I get charged if I exceed it?

Metromile gives you the option to set a monthly mileage budget for your own personal use. It has no effect on your bill and is purely a tool for you to keep an eye on how much you’re driving. If you choose to set the budget for a specific amount of miles, we’ll shoot you an email when you’re getting close to the limit. Note that you pay the same per-mile rate for every mile you drive, whether it’s above or below the budget you set, and you can change your limit at any time.