Debunk the Myths of Pay-per-mile Car Insurance

Did you know that 65% of U.S. households drive less than 200 miles per week? Here at Metromile, we like to think of ourselves as trailblazers, offering a more fair and affordable insurance for low-mileage drivers. So, if you are considering making the switch, here are the answers to some common questions our team receives.

Highway to the car

Myth: My rates will go up if I speed or slam on the brakes.
Reality: No judging here- if you hit the gas pedal or slam on the brakes your rates will not be affected. We only measure miles, not behavior.

Myth: My driving data is sold to third-party companies so they can have information about where I am driving.
Reality: The Metromile Pulse is only used to measure miles so we can bill accurately based on mileage. You can read more in our privacy policy.

Myth: My per-mile rates will increase if I’m driving more than usual.
Reality: Your rates are fixed and will not be affected by increased driving, but your monthly bill might be a bit higher if you log more miles than usual. We also don’t charge for miles driven over 150/per day (250 in WA)!

Myth: The rates are so low, there must be coverage exclusions.
Reality: With per-mile insurance, you will have the same great coverage that you are used to. You can choose to add comprehensive and collision coverage, roadside assistance and more.

Myth: If I get into an accident, the claims process is going to be tedious.
Reality: Our claims team is available to help 24/7. Once you file the claim, an adjuster will typically contact you within 1-2 business days. You will also be matched with a Metromile customer experience advocate who will ensure the claims process runs smoothly.

Myth: Since this insurance model is based on mileage, I won’t be covered when I am parked.
Reality: When you choose to add comprehensive and collision coverage, you will be covered even while you are parked.

Myth: This is a new insurance model – it can’t be super reliable.
Reality: Our policies are underwritten by the National General Insurance Group, a company with a 70-year history, an “excellent” rating from AM Best, and over $2 billion dollars in premium.