Per-mile insurance means you never get charged for
miles that you don’t drive.
It’s that simple.
The number one risk indicator for drivers is how often they’re on the road. So if you drive less, you really should pay less for insurance.
Did you know?
of drivers pay higher premiums to subsidize the minority who drive the most.
02 _Drive Less.
03 _See per-mile insurance in action
MONTHLY BASE RATE
MILES DRIVEN x PER-MILE RATE
490.7mi x $.04/mi
Road trip for less
With per-mile insurance, you aren’t charged for the miles you drive above 150/day (250/day in Washington). So if you go on a long trip, you’ll save big.
Miles per day
06 _Designed to over-deliver
We’re working non-stop to make sure you have a best-in class experience every time you interact with Metromile. From our always-available (24/7) claims teams, to our industry-leading customer service, to rock-solid policies underwritten by insurers in the National General Insurance Group, we promise to change the way you feel about car insurance.
07 _Every Kind of Coverage
Even though you’re paying less, you still have the same amazing coverage that all the big insurers provide.
Uninsured & underinsured
Personal injury protection /
Medical payments coverage
$250, $500, $1000 deductible options
08 _Miles made simple
The key to per-mile insurance is a free small wireless device we send you that plugs into your car’s diagnostic port. Plugging in the device is easy, doesn’t require any tools, and once in place it securely counts your miles with every trip. Per-mile insurance doesn’t consider other driving factors such as how fast you drive, how suddenly you turn, or how hard you brake, just how many miles you drive.
09 _Tools for the modern driver
With the device in place you have unlimited access to our personal driving app. Use it to…
Check your trips
Find the best routes that cost the least to drive.
Optimize gas usage
Know exactly when to top your tank.
Monitor your car’s health
Decode your check engine light.
Locate your car
Always know where you parked.
Avoid street sweeping tickets
Get street sweeping alerts on your phone. (currently available in Chicago & San Francisco)
10 _Coming soon to a road near you
Per-mile insurance is currently available in California, Illinois, Oregon, and Washington, but we’re rapidly expanding to other states. Enter your zip below to get a quote or join our waitlist.
11 _A’s for all your insurance Q’s
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.
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.
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).
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).
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.