Per-mile insurance means you never get charged for miles that you don’t drive.

It’s that simple.

Quote Form for Hero and Body

Traditional insurance isn’t fair to low-mileage drivers.

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.

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Drive Less. Save Big.

Per-mile insurance costs less because it’s based on how many miles you drive. If you spend less time behind the wheel, you spend less money on insurance.

Total Average Savings:
Make it rain
Big bucks
Not too shabby
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See per-mile insurance in action

With per-mile insurance you pay a low monthly base rate plus just a few cents per mile when you drive. At the end of the month your bill is your base rate plus how many miles you drove at your per-mile rate.

Rates vary by driver




490.7mi x $.04/mi


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See Metromile in Action

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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.

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Miles per day

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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.





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Every Kind of Coverage

Even though you’re paying less, you still have the same amazing coverage that all the big insurers provide.

Got it Coverage
Bodily Injury
Property Damage
Uninsured & underinsured
motorist coverage
Personal injury protection /
Medical payments coverage
Rental reimbursement
Emergency roadside
$250, $500, $1000
deductible options

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Miles made simple

The key to per-mile insurance is the Metromile Pulse, a free small wireless device we send you that plugs into your car’s diagnostic port. Plugging in the Pulse 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.

Per-mile insurance
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Tools for the modern driver

With the Pulse 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)

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Coming soon to a road near you

Per-mile insurance is currently available in California, Illinois, Oregon, Virginia, and Washington, but we’re rapidly expanding to other states. Enter your zip below to get a quote or join our waitlist.


Quote Form for Hero and Body
per-mile insurance coverage
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A’s for all your insurance Q’s

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.

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.

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 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).

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.