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In which states does Metromile offer per-mile insurance?

Currently, per-mile insurance is available in California, Oregon, Washington, and Illinois.

Can I get insurance if I don’t have a car but would like to use it for rentals?

At this time, we’re only able to offer insurance to individuals who are in permanent possession of a vehicle either through ownership (paid for or financed) or a leasing agreement.

Who can make changes to my insurance policy?

In the quote application process, the first person entered in the form will be the “primary insured” and therefore the only one authorized to make changes to the account.

Can I sign up for insurance to begin today?

Yes! Just choose today as your effective date, and as soon as payment is processed, your coverage will go into effect. Don’t worry about not having the device right away – your insurance coverage is not affected. We’ll send it as soon as we can, but you also get a grace period (7 days in CA, 10 days in IL/OR/WA) before you have to connect the device.

Will the policy with my old insurance company cancel automatically once I’m signed up?

No. Most insurance companies will automatically renew your policy unless you request otherwise. Once you have purchased a policy with Metromile, please contact your current insurer to notify them of your request for cancellation.

What if I want to cancel?

No problem! You can cancel at any time by giving us a call (888.244.1702) Monday through Friday, 7am-6pm Pacific Time. We have no fees for terminating a policy. Cancellations cannot be done by email at this time.

What’s electronic delivery? Can I choose to have things mailed to me?

In order to sign up for our insurance, you’ll need to agree to electronic delivery. This means we’ll send your bills and correspondence by email, and your policy documents will be available on your online account. We do not currently have the option for paper billing.

Can my vehicle be registered in a state other than where I’m buying the insurance?

Yes, your vehicle may be registered in any state when purchasing a policy with us, but the car should reside permanently at the location listed on your policy. Please keep in mind that if you renew your registration outside the state of residence, the DMV may not accept your out-of-state insurance policy.

How do you measure miles?

We send you a device that plugs into your car’s on-board diagnostic (OBD-II) port. It securely transmits data through a cell modem to update your account with trip information. No smartphone or Bluetooth pairing is needed.

How do I file a claim?

Please call our 24/7 Claims number at 888.215.9176 and a representative will assist you.

Who is underwriting my policy?

Metromile Insurance Services LLC is the Managing General Agent for your insurance policy and provides all customer service needs as long as you’re a customer. All policies are written by insurers in the National General Insurance Group, a company with a 70-year history, over a billion dollars in premium, and a grade of Excellent from the insurance rating agency A.M. Best Company.

Can I get coverage for anything other than a car?

At this time, we’re only able to offer personal automobile insurance. Please check back with us from time to time for updates on new products we may offer.

Do you offer full coverage?

Yes, 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.

Do you cover pets traveling as passengers in my car?

If you choose to have comprehensive and collision on your policy, it will come with pet injury protection at no additional charge (not available in IL). This coverage provides up to $1,000 in the event your dog or cat is hurt or killed as a result of a covered claim.

Can I have more than one vehicle on my policy? Is there a multi-car discount?

Yes. You can add multiple vehicles while completing a quote online. Our multi-car discount will save you money on each vehicle’s base rate and per-mile rate. If you’re already a policyholder, please give us a call and we can update your policy.

Is my insurance still in effect if I’m using a rental car? (because the device isn’t plugged in)

Yes. Your coverage is in effect, and there is no need to plug the device into the rental vehicle. We won’t charge you for any miles driven while renting a vehicle.

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

You, your spouse or domestic partner, and all resident relatives 16 years of age (15 in CA) and older, 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.

What does “driver exclusion” mean? (applicable in CA only)

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.

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.” Send this letter to customerservice@metromile.com and save your quote so that we can update your information (your quote is saved once you reach the application page in the process).

A traffic violation is listed but it never happened. What can I do?

Traffic violation data is obtained from the DMV. Please contact them directly for more information. They will need to correct your record within their system before your quote can be updated.

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 don’t I qualify for pay-per-mile insurance if I qualify at other insurance companies?

Due to our underwriting guidelines, some individuals may not be eligible for coverage through Metromile.

Why aren’t Alaska and Hawaii options for license state?

Please give us a call Monday through Friday, 7am to 6pm Pacific Time if you have a current Hawaii or Alaska driver’s license.

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.

Does financing information factor into my quote?

Your rate will not go up or down based on the financial status of your vehicle.

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.

Why did my rate change when I chose a different effective date?

The base rate is determined by a daily rate multiplied by the amount of days in each month, so shorter months will cost slightly less.

How does your pricing work?

Unlike other insurance companies who charge a fixed rate, our rate is broken down into two parts. The first is a low monthly base rate and the second is a per-mile rate. At the end of each monthly cycle, your bill will include the next month’s base rate in addition to the cost of the miles driven over the past month. The base rate is determined by a daily rate multiplied by the amount of days in each month, so shorter months will cost less. Your bill will almost always be different each month but your rates will not change within the 6-month period unless you request a change.

How are the base and per-mile rates determined?

Just like other insurance companies, several factors are considered when creating your unique base and per-mile rate. These can include: driver age, credit history (state specific), type of vehicle, driver history, and length of prior insurance (state specific).

What if I don’t drive at all? What if I’m on vacation?

If you don’t drive any miles in a given month, you’ll only be charged the base rate for that month. Unfortunately, we are unable to pause or suspend insurance policies.

What if I take a long road trip?

Your daily mileage charges are capped at 150 miles per day (250 miles per day in WA). You will not be charged for the miles above those amounts in any calendar day.

What if I drive over 10,000 miles? Will my rate go up?

You will never be penalized or have your rate increase purely because of an increase in annual miles. You are allowed to drive as much as you’d like, but just keep in mind that you will be charged for each mile that you drive up to 150/day (250/day in WA).

What if I don’t know how much I drive?

If you’d like to get a sense of how much you drive before purchasing a policy, please sign up for our free beta program to receive a device and start logging what you drive. You’ll be able to login to your online account or the app to keep an eye on miles driven.

How does billing work?

You’re charged for your first month’s base rate when you purchase a policy. 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.

Are miles charged upfront?

No, miles are charged retroactively. The miles you drive each month can vary, and your bill is based on the quantity of miles. As such, it is not possible to enable advance payment for multiple months.

Can I change my billing date?

At this time, we do not have the ability to change billing dates. Please note that we do not charge any late fees. 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.

When is my billing date each month?

Your card will be charged two days after your billing period ends. The cycle begins on your effective date and each bill will be available the day before the next month’s cycle. For example, if your effective date is July 5th, then your next bill will cover July 5th to August 4th. If your effective date is February 1st, then your next bill will cover February 1st to February 28th. Due to the different amount of days in each month, your billing statement can include between 28 and 31 days of base rate.

Why did I get charged twice?

If your payment failed after the first submission for processing, you may see a pending charge on your credit card statement. This will be removed within a few days based on your bank’s processing schedule. If there is no removal on your account after a week, please call us 888.244.1702.

I don’t have a debit or credit card. Can I give you my bank information instead?

At this time, we’re only able to accept debit and credit cards for payment. We’re sorry for this inconvenience.

What if I need to change my credit card info?

No problem! You can update your payment information from your online account at any time.

Where can I find my billing statement?

Your billing statements can be accessed on your online dashboard. Click on the billing section to access past bills and update payment information.

What is a mileage budget and do I get charged if I exceed it?

Metromile gives you the option to set a monthly mileage budget for your own personal use. It has no effect on your bill and is purely a tool for you to keep an eye on how much you’re driving. If you choose to set the budget for a specific amount of miles, we’ll shoot you an email when you’re getting close to the limit. Note that you pay the same per-mile rate for every mile you drive, whether it’s above or below the budget you set, and you can change your limit at any time.

Is it mandatory to plug in the device?

For insurance customers, the device must be plugged in to your car at all times so mileage can be accurately measured and billed. For non-insurance customers, if the device is not plugged in, you will not receive the benefits of the Metromile experience. Of course, when you get your car serviced, It’s ok to remove the device so that the mechanic can access the port.

Do I need to plug in the device before my insurance can be effective?

No. There is a grace period (7 days in CA, 10 days in IL/OR/WA) before you must connect the device. You will not be charged for miles you drive before your effective date or before you receive the device.

Will the device drain my car’s battery power?

In general, the device should have little to no effect on a healthy battery for many months even if the car is not driven. Please read about the topic further on this comprehensive post in our online community. http://community.metromile.com/metromile/topics/does_the_device_draw_power_when_the_car_isnt_running.

Do I need to sync my phone with the device?

No, the device functions separately from your phone and securely transmits data through a cell modem . All you need to do is plug it in and check for a pulsing red/orange light.

Can I turn off location tracking on my device?

Yes. Insurance customers can disable the GPS function of the device through their online dashboard. Note, however, that this will also disable certain awesome features including trip information and street sweeping notifications.

What does Metromile do with my data?

We take your privacy very seriously, including protecting your location information. Please review our privacy policy for more information.

What kind of data do you receive from the device?

The device plugs into the vehicles On-Board Diagnostic (OBD-II) port. This port is the same place your mechanic plugs in his or her diagnostic tool to determine the health of your vehicle. We’re able to collect any information your vehicle shares via the OBD-II port, and share relevant information with you. In addition, the device has a GPS unit that can track location-based data. Insurance customers have the option to turn off location-based data at any time, because we don’t require it to log the miles driven. The device also has an accelerometer that measures changes in velocity and a gyroscope that measures the angle of the device, providing information that helps us find ways to make your life easier on the road.

Can I download my data?

Yes, insurance and app users can request a CSV download of their data via the app or online dashboard.

What if my data is showing up incorrectly (or not at all)?

If you’re noticing missing trips or ones with missing segments, please unplug your device and then plug it back in. This will reboot the device and improve signal quality. The beginning of some trips may be missing due to the device searching for a satellite to lock on to at the beginning of a trip, but in general a reboot of the device should improve signal quality overall. For any other data issues, please check our Community site for updates and for submitting inquiries.

Do I need to download the app to see my driving data?

No, you can access your data via the online dashboard by logging into your account at dev.metromile.com. (For insurance customers, all policy documents are available there as well.)

Do I need to use the app to have Metromile insurance?

No, the app is not required to have the insurance. Your policy documents and trip information are available on your online account. The app is another great way to visualize your data and receive notifications and alerts.

Do I need to have the per-mile insurance in order to use the app?

No, you can enjoy the app and all its features without being an insurance customer. Simply sign-up for an account at dev.metromile.com. We’ll send you the device which will enable your data to be collected and processed for you to view via the app and online dashboard.

How does this work with my current commercial coverage with Uber?

It works together with your commercial policy to cover you while you’re on and off the Uber app. Per-mile insurance from Metromile covers you when you are seeking rides but have not yet committed to any rides as well as all personal miles you drive.

What if I also participate in rideshare services with other providers (e.g. Lyft, Sidecar)?

Metromile is not currently able to subtract any miles for other TNCs outside of Uber. If you choose to sign up for per-mile insurance as an Uber driver, only miles driven between a ride being accepted and a passenger safely exiting the vehicle with Uber will be subtracted to calculate the remaining personal miles that will be charged on your bill. Also, you may not have coverage while logged into or using another TNC’s app.

What if I already have insurance through Metromile for a different vehicle (not the one I use with Uber)?

You can call our Metromile customer service team at 888-244-1702 to add the vehicle you use with the Uber platform to your personal auto insurance policy.

Do I get any special discounts as a driver partner?

No, we currently do not offer any special discounts for being a driver partner on the Uber platform. Rates are determined in the same way for all customers; this could include discounts for good driving records.

Will my rate be higher because I drive with Uber?

No, the fact that you drive with Uber will not affect the factors that go into calculating your base and per-mile rates with Metromile.

What if I already have insurance through Metromile for the vehicle I drive with Uber?

If you already have a vehicle insured through Metromile which you use on the Uber platform, you will need to call our customer service team at 888-244-1702. Until we update your account, Uber miles will not be deducted from your bill and you may not be properly protected in the event of an accident related to Uber.

Why don’t I see a place to indicate that I drive for Uber in your sign-up process?

If you do not see a question to indicate that a vehicle is driven with Uber, you are likely filling out the wrong quote form. Please begin your quote from dev.metromile.com/uber.

Can I have other members of my household on the same policy?

Yes, you should include all members in your household who are of driving age with a driver’s license.

Can I insure more than one vehicle I use on the Uber ridesharing platform?

Yes – you can insure more than one vehicle on the same Metromile policy. Just be sure to note which vehicle(s) you drive with Uber in the Metromile quote process.

How will you know which miles are personal and which are Uber (between ride accepted and ride ended)?

The partnership between Uber and Metromile enables coordination to verify data on both sides. Because Metromile logs all miles, we can subtract all miles between a ride being accepted and a ride ending (cancellation or a passenger safely exiting the vehicle) and bill only for personal miles.

What if I want to dispute how trips were categorized?

If a trip did not register properly on the Uber platform, we will not be able to subtract those miles. Please contact Uber to be sure your trips are accurately captured. If there is still any discrepancy, please contact Metromile at 888-244-1702.

What if my miles are incorrect on my Metromile bill?

If miles driven with Uber are not subtracted on your bill, you need to ensure that the correct vehicle is listed in your Uber account (it should match the one listed on your Metromile policy). Please edit your vehicle information by emailing your local Uber support team or by making updates in your Uber partner dashboard.

Can I get miles subtracted retroactively since I’ve been both a customer with Metromile and a driver partner of Uber’s Transportation Network Companies in the past?

No, unfortunately, we cannot offer any retroactive bill adjustments. If you are a driver partner of Uber’s Transportation Network Companies, please contact Metromile customer service to make changes to your policy.

What happens if I unplug the device at any time?

For per-mile insurance customers, the device must be plugged in to your car at all times so mileage can be accurately measured and billed; this includes the ability to differentiate miles driven with Uber. The device also enables other valuable features of the Metromile experience (ex. street sweeping alerts, trip history, diagnostic codes). Of course, when you get your car serviced, it’s ok to remove the device so that the mechanic can access the port. Just be sure to plug the device back in.

Can I sign up for the insurance if I drive with Uber and I already have a Beta app account?

Yes, please visit dev.metromile.com/uber.

Do I need to download a different Metromile app because I am a driver partner of Uber’s Transportation Network Companies?

No, there are no different Metromile app features as a result of the partnership with Uber.

Will there be something different in my Uber app after I sign up for Metromile insurance?

No, there are no different Uber app features as a result of the partnership with Metromile.

Will I be able to see my Uber and personal trips broken down in the app and online dashboard?

No, at this time, there is no visualization in the app nor in the online dashboard that separates miles driven with Uber. Trips are currently logged in the Metromile app and dashboard when the engine starts and stops. Unless a driver turns off the engine between fares, trips will not correspond to Uber rides.

Do I need to download the Metromile app if I sign up for per-mile insurance as a driver partner of Uber’s Transportation Network Companies?

No, the Metromile app is not necessary but there are great features that we believe drivers will find valuable.

Can I still see my driving data even if I don’t use the app?

Yes, you can view your data on the web dashboard by logging in at dev.metromile.com.

What if my device needs to be replaced? How will trips be logged in the meantime?

Since we won’t be counting any miles for Metromile billing, there won’t be miles to subtract. No trips will be logged until you have a new functioning device, but we also won’t be billing you for any miles.