How does prepayment work?

This one-time charge is the initial upfront portion required to start a new policy with Metromile. The prepayment will be applied as credits to the remaining bills of your six-month policy term. Since you already pay for your first month’s base rate when you sign up, the credit will be applied to the next five bills.

What coverage options do you offer?

Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. We offer four different levels of liability protection as well as choices for your comprehensive and collision deductibles. Please keep in mind that financing and leasing companies may have their own coverage requirements, so please verify before choosing your coverage limits.

How do I adjust my policy or billing information?

You can edit policy information (such as coverage levels, financing information, drivers or vehicles) in your online dashboard by navigating to the Policy section, or by giving us a call. Please note that you can currently only make one change per day.

If you need to edit credit card information, you can do so in the Billing section. At this time, we do not have the ability to change billing dates. 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. Please note that we do not charge any late fees.

How do you track my miles?

The Metromile Pulse must be plugged into your car at all times so mileage can be accurately measured and billed. It also enables valuable features like the car locator and trip tracking. If it ever loses signal, try taking it out and plugging it back in. If this still doesn’t work, please let us know to avoid any penalty charges.

If you ever need a new device, you will be covered during the grace period while it is being mailed to you. It’s also OK to remove the Pulse when your car is being serviced, just be sure to plug it back in afterwards.

How do I file a claim?

At Metromile, we make things easy by letting you file the entire claim online. Just navigate to the “insurance” section of the app or visit to get started. The same goes for requesting glass or roadside assistance (you can even track the tow truck’s location).

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.