Get affordable collision car insurance online in minutes.
What is collision car insurance?
Collision is often bundled with comprehensive coverage and called “comp and collision.” It’s not required by law, but it’s a good idea for most drivers. (And if your car is financed, your lender will almost certainly require you to purchase collision coverage.)
The less you drive, the more you save. It’s a common-sense approach that saves Metromile drivers an average of $741* per year.
What does collision insurance cover and what isn’t covered?
How much is collision insurance?
With pay-per-mile insurance, collision coverage can be very affordable. Your exact rate will depend on a bunch of factors, such as where you are in the country, your driving safety record, your age, and the make and model of your vehicle. (The deductible you choose will have a big effect, too. The higher the deductible, the lower your rate will likely be.)
When you choose Metromile, you could pay as little as 6 cents per mile (plus a low monthly base rate) for your car insurance coverage with collision insurance. The less you drive, the lower your monthly payment will be. That’s why thousands of drivers have switched to Metromile pay-per-mile insurance (and why our customers save an average of $741* per year).
How does collision coverage work?
Your foot slips off the brake and you cause a minor collision that causes $4,000 of damage to your front bumper and hood.
With Metromile, you can file your claim completely online. (Other insurers may require you to give them a call.)
You’ll get a payout minus your deductible to repair your vehicle! (You can also choose a shop in our network for expedited repairs.)
Collision insurance FAQs
Do I need collision insurance on an old car?
- Is your car leased or financed? If so, your lender will almost certainly require you to get collision coverage—no matter how old it is.
- If your car were totaled in an accident tomorrow, could you comfortably pay for a repair or a replacement out of your own wallet? If not, collision coverage for an old car could be a good idea, especially if the vehicle is a ride you depend on.
How does liability insurance differ from comprehensive or collision insurance?
Liability insurance covers other people and their property when you cause an accident. It’s required by law.
Both comprehensive and collision coverages cover your vehicle. Neither coverage is required by the state, but both are a good idea in most situations.
Is collision insurance required?
It depends on whether you’ve financed your car. Collision coverage isn’t required by the state, but if your car is financed or leased your lender will probably require you to purchase both collision and comprehensive coverages.
See what customers are saying about Metromile
“I love Metromile. Having an easy-to-use app makes all the difference. My rates are low considering the heavy coverage I applied. I’ve never had any billing issues or qualms with their customer service.
I got into a fender bender a few weeks ago and the claims process was painless. They had me take photos of the damage, then I went to my favorite collision shop and Metromile processed everything seamlessly even though the shop’s quote was higher, they still covered it. Their rental coverage was also painless; I was in and out of Enterprise in about 10 minutes with just a $50 deposit.”
“I am very happy with Metromile. They are the perfect insurance platform for people who don’t put a lot of miles on their car. I’m saving around $500.00/year, didn’t have a bunch of paperwork to sign up, almost everything is done via internet. Has made insurance much less of a hassle.”
“Very happy with your service. I’ve been with you guys for a few years now and just had a rate decrease. Something that’s never happened with any insurance co. I’ve been with. I’ll happily pay you guys and hopefully never have to file a claim just because it seems like you’re doing right by your customers. Love you all!”