Collision Insurance

Get affordable collision car insurance online in minutes.

What is collision car insurance?

Collision coverage can help pay for damages to your vehicle after an accident—regardless of fault. It’ll help you repair or replace your vehicle if it’s damaged in an accident you cause, but it can also come into play when you’re in a one-car accident, or when another driver is at fault but doesn’t have enough insurance to pay for your damages. 

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.)
Pay-per-mile auto collision coverage from Metromile works exactly the same as collision coverage you’d get from any trusted insurer. You’ll get the protection you need—but you’ll probably pay less for it, since you’ll pay a rate based on your actual mileage.

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?


Damage to your vehicle due to a collision
Damage because of a collision with an object (such as a tree or famous statue)
Single-car accident damage (think rolling your car or running it into a ditch) 
Hit-and-run accident damage
With Metromile, injuries to pets riding in the car are covered up to $1,000

Not Covered**

Damage to your windows or windshield (Need comprehensive coverage?)
Damage caused by Mother Nature (like falling branches or a hailstorm)
Any damage to someone else’s vehicle or property (Get liability coverage)
Medical costs (Need MedPay insurance?)

Auto collision insurance personalized for you

Check out the coverage we offer in your state.








New Jersey

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).

Get a 5-min Quote

How does collision coverage work?

You’re in an accident

Your foot slips off the brake and you cause a minor collision that causes $4,000 of damage to your front bumper and hood.

You file a collision claim

With Metromile, you can file your claim completely online. (Other insurers may require you to give them a call.)

Your car gets repaired

You’ll get a payout minus your deductible to repair your vehicle! (You can also choose a shop in our network for expedited repairs.)

Why get collision insurance from Metromile?

Why get collision insurance from Metromile?

• You could save up to 47%* with pay-per-mile car insurance coverage.

• Clear communication and an easy-to-use app

• Quick repairs from our trusted network of auto-body shops

Collision insurance FAQs

See all of our FAQs

Do I need collision insurance on an old car?

Figuring out whether to purchase collision insurance for an old car can be a tricky, but here are a few questions to help you think through it:
  • 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.”

Grant L.

“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.”

Madeleine F.

“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!”

Daniel B.