Illinois drivers save with pay per mile car insurance

  • Customize your coverage options
  • Connect your car with our secure device to count your miles
  • Start saving with a low monthly base rate plus a few cents per mile

What Illinois customers say

Fantastic customer experience top to bottom. Extremely impressed and have referenced it as a best-in-class example of customer-centric design.”

Luke B.
Chicago, Illinois

“I have been a customer for probably 5-6 years and have been more than pleased. Never had a claim problem, paid out in a timely manner.”

Deb P.
Crystal Lake, Illinois

Literally half the price for the same amount of coverage. Plus, I’ll never forget where I parked my car again… Five stars.”

Noelle D.
Chicago, Illinois

I saved $288 over the last 12 months compared to my previous insurer. Same coverage and very professional service. You rock.”

Raymond W.
Geneva, Illinois

“My wife and I are both retired. The low monthly rate and paying per mile is ideal for us. I pay only about $10 per month and 1.7 cents per mile.

Daniel T.
Springfield, Illinois

“I have Metromile and save an average of $30/month on my premiums for the same coverage.

Richard D.
Chicago, Illinois

How it works

You’ll pay a low monthly rate, plus a few cents for each mile you drive.

Check your rate
Example
$29 + (450 x 6¢) =  $56

On average,
drivers drivers
save $741/year*

Our rates start at $23/mo for Illinois drivers, plus a few cents for each mile you drive.

Check your savings

All miles over 250 per day are free

You’ll never have to worry about “going over” on your miles – all miles over 250 in one day are free.

Illinois, we’ve got you covered

We offer flexible coverage options for Illinois that you can customize to meet your needs.

Collision

Accidents with another vehicle, a fixed object, motorists, and more.

Comprehensive

Coverage for things that are out of your control like weather, animals, and theft.

Everything else

Roadside assistance, glass repair, and 24/7 support from our claims team.

State Requirements in Illinois

For more information, please visit the Help Center.

See all of our FAQs

What are the state minimum requirements in Illinois?

Car insurance is important: it can help protect your vehicle, your finances, and your wellbeing. 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
  • $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage
You may also want to consider higher limits or adding comprehensive, collision, and other coverage for extra peace of mind. With Metromile, you can personalize your policy for your lifestyle and needs.

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.

Can I still get the same coverage options?

Yes! You’ll still have the same amazing coverage that you are used to, with various deductibles and optional comp & collision coverage.

Do you offer full coverage?

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.

Filing a claim is easy

For a simple, easy experience, you can file a claim in the app or online. We’ll guide you through each step of the process. We can even expedite your claim with help from our AI-assisted system.

Learn more about claims

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Metromile iOS and Android App

An app that puts you in control

You can view your trips, understand your car’s health, avoid tickets with street sweeping alerts (available only in select cities), and find your lost or stolen car, all from the Metromile app.

Plus, we have a 92% stolen car return rate.

Learn more about our tech

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Metromile + Turo

Don’t want to pay for miles that your Turo guests drive? Switch to pay per mile car insurance from Metromile.

Metromile covers you at all times except when your car is booked on Turo. Your Turo protection plan will cover you and your car during Turo trips.

Learn more

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Try it risk free — we don’t charge cancellation fees.

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4.7 stars as rated on the App Store