Introducing Pay-Per-Mile Insurance

Car insurance based on how much you drive.
Pay a low base rate then just pennies per mile.

Call an agent at

of Americans drive less than 12,000 miles per year.

Traditional car insurance is unfair to low-mileage drivers. The number one risk indicator for drivers is how often they’re on the road. So if you’re already driving less, you should really start paying less.

Save an average of $500 per year

Drive less, pay less

Pay-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.

How per-mile insurance works

With pay-per-mile insurance you pay a low monthly base rate plus 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. Just like with other insurance companies, several factors can influence your rate, including age, type of vehicle, and driver history.

Per-mile rate
500 miles driven x 3.2¢ per mile

Base rate
Flat monthly rate

Monthly total
Base rate + per-mile rate

All miles over 250/day are free

Road trip for less

With pay-per-mile insurance, you aren’t charged for the miles you drive above 250/day (150/day in New Jersey). So if you go on a long trip, you’ll save big.

Designed to over-deliver

Even though you’re paying less, you can still have the same great coverage that you are used to. We’re working non-stop to make sure you have a best-in-class experience every time you interact with Metromile. From the always available (24/7) claims team to our industry-leading customer service, we promise to change the way you feel about car insurance.

Take a closer look at claims

  • Bodily injury
  • Property damage
  • Uninsured and under­insured motorist coverage
  • Collision
  • Comprehensive
  • Personal injury protection/ medical payments coverage
  • Rental reimburse­ment
  • Emergency road­side assistance
  • $250, $500, and $1000 deductible options

Measuring miles

The key to pay-per-mile insurance is the Metromile Pulse, a small free wireless device that plugs into your car’s OBD-II port. Installation is easy, and once in place the Metromile Pulse securely counts your miles to determine your total monthly bill. Pay-per-mile insurance doesn’t consider other driving factors such as how fast you drive or how hard you brake, just how many miles you drive.

We take privacy seriously, and will never sell your information to third parties.

Metromile pulse

Modern tools for the modern driver

With the Metromile Pulse in place, you have unlimited access to our smart driving app. This means you can keep track of your trips, monitor your car’s health and always know where your car is parked.

Check out the app

Coming soon to a road near you

Per-mile insurance is currently available in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington but we are rapidly expanding into other states.

Join the waitlist

pay-per-mile car insurance coverage

Answers to all your insurance related questions

For more information, call 1.888.244.1702 or fill out this online form to get in touch.

See all of our FAQs

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 250/day (150/day in New Jersey).

How does billing work?

You’re charged for your first month’s base rate when you purchase a policy, plus any required prepayment. 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.