Save up to $947/year with California pay-per-mile car insurance
Car insurance based on how much you drive
The less you drive, the more you could save
Same great coverage—for less money
Pay-per-mile car insurance in California
What you might not know, though, is that if you’re a low-mileage driver—especially if you drive less than 10,000 miles per year—you might be able to save a lot on your car insurance policy with Metromile’s pay-per-mile car insurance.
With Metromile, the less you drive, the more you could save. That’s why plenty of drivers who work from home, are retired, or who also use public transportation have saved by getting a Metromile quote.
Coverage type and California minimum requirements
California minimum requirements
What California customers say
“Switching over to Metromile, I’ve saved almost $1,000 a year and am very satisfied. The savings allowed me to buy a brand-new truck!”
“We live in San Francisco and only use the car on occasional weekends, so Metromile is perfect for us. We park on the street and get texts to tell us when there is street cleaning.”
“I don’t drive tons, but I do a few roundtrips from San Francisco to Tahoe here and there. I have saved myself around $300/year on auto insurance.”
“Excellent service, excellent support. Much easier to deal with than any prior insurance company I have ever used.”
“I have saved over $150 each month, and their customer service is great. It was super easy to file a claim, all done virtually; they were responsive and handled my claim quickly.“
“I’m literally saving $100+ per month now that both of my cars are on Metromile.”
How much is pay-per-mile coverage in California
How much is car insurance in California? Your rate for California auto insurance coverage will depend on several factors, such as the model and year of your vehicle, the coverages you choose, and even the address where you park the car at night. That said, pay-per-mile coverage through Metromile can be very affordable—more affordable than you might think! (Especially if you drive fewer than 10,000 miles per year. )
For example, with Metromile you can get a California car insurance policy for a low monthly base premium that starts at only $29 per month. Then, you’ll pay as little as 6 cents per mile for each mile you drive. In other words, you pay for the miles you actually drive. If you only drive fifty miles per month, you’ll only pay for fifty miles per month (plus the base rate, of course).
That’s why low-mileage drivers in California can save a lot with Metromile. On average, our customers save up to $947* per year on car insurance.
Car Insurance California FAQ
For more information, please visit the Help Center.
Is Metromile available near me?
What is full coverage car insurance in California?
First of all, “California full coverage car insurance” doesn’t exist—technically. There’s no one single policy that will cover you in every situation you might face as a California driver.
You may still hear the term, though, and that’s because some people use “full coverage” to mean a policy that includes liability coverage to protect other drivers as well as comprehensive and collision coverages for your own vehicle.
In any case, Metromile makes it easy to choose the coverages that are right for your situation.
How to self-insure your car in California?
First, know that self-insuring your car is not recommended for most drivers. When you apply for a certificate of self-insurance, you’re accepting responsibility for all liability associated with your vehicle when you cause an accident—no matter how big the bill is.
If you believe that self-insurance is the right choice for you, you can contact the California Department of Motor Vehicles and submit an application. (Keep in mind that you’ll need to leave a cash deposit of $35,000 with the DMV for as long as you’re self-insured.)
What are the state minimum requirements in California?
Here are California’s minimum car insurance requirements:
- A $15,000 limit for bodily injury to one person (and $30,000 limit per accident)
- A $5,000 limit for property damage
What coverage options do you offer?
Even though you can pay less with pay-per-mile insurance, you’ll still have the same great coverage that you’re used to. 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 still get the same coverage options?
Yes! You’ll still have the same amazing coverage that you are used to, with various deductibles and optional comp & collision coverage.
Do you offer full coverage?
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.