Who needs to be listed on my policy? Do I have to include my spouse?

You, your spouse or domestic partner, all residents of driving age (whether they have a license or not), all regular drivers of the vehicles described in the application, and all children who live away from home who drive these vehicles, even occasionally, should be included on the policy. If any individuals over the age of 15 will not need coverage, you can exclude them in CA, IL, NJ, OR, PA, or WA. We do not offer driver exclusions in VA. Some states have statutes and regulations that prohibit driver exclusions. Therefore, in those states, we are unable to exclude any drivers from the policy and must consider such drivers in rating the policy.

What does “driver exclusion” mean?

Excluding a driver means there may not be coverage under your policy if the excluded driver is involved in an accident. Before purchasing your policy, you will be required to electronically sign a named driver exclusion form. Please read this form carefully to understand how your coverage will be affected. Note that driver exclusions are not available in VA and are only available for physical damage coverage in NJ.

An at-fault accident is listed on my quote but I was not-at-fault. What can I do?

Please contact the insurance company who covered you at the time of the accident, and request a “Letter of Experience” confirming the status of the accident as “not-at-fault.” Fill out our online form to get in touch with the Metromile support team and save your quote so that we can update your information (your quote is saved once you reach the application page in the process).

What is the difference between a major and minor conviction?

A minor conviction can include things like speeding, running a red light, and failure to yield. Major convictions are more serious and may involve injury; examples include driving without a valid license,, and DUI’s. If you are unsure of the outcome of your conviction, please contact the DMV.

Why isn’t my car or model year in the dropdown?

In order to log the miles a customer drives, a small device must be plugged into the vehicle’s OBD-II port. That port did not become a standard requirement in vehicles until 1996. If your vehicle was made after 1996 and you are unable to find it in the drop-down list, it may not be compatible at this time.

Will getting a quote with Metromile affect my credit score?

No, Metromile does a “soft pull” credit inquiry (in states where credit is used in your rate), which only reviews your insurance score, without lowering it. Soft pulls are not noted on your credit report except for listing the requester’s name.