Save up to $947/year with pay-per-mile car insurance in San Diego

  • Car insurance that works with your lifestyle
  • Flexible coverage options
  • You only pay for the miles you drive

Pay-per-mile car insurance in San Diego

Getting around the sunny city of San Diego is easy by trolley, train, or bus, but having your own vehicle is handy when you want to take a trip to the beach or spend the weekend at Cuyamaca Rancho State Park. It’s illegal to drive in California without car insurance, yet for those who seldom drive, paying high premiums doesn’t really make much sense.

Now, there’s a different option, one that can save you hundreds per year* without sacrificing great coverage. Those who don’t drive often, work from home, or are retired often choose Metromile, pay-per-mile car insurance in San Diego.
 How does it work? You pay a low base rate that starts as low as $29/month and as few as 6 cents per each mile you drive. You get to enjoy the peace of mind that you’re insured when you’re on the road without having to pay high premiums if your car stays parked for long periods of time.

When shopping for car insurance quotes, San Diego residents can skip the hassle of traditional car insurance pricing and enroll with Metromile. Instead of paying high insurance rates for a vehicle you don’t drive much, you can lower your car insurance bill quickly and easily. Get a quote today to see how much you can save.

California coverage types and state minimum requirements


Bodily Injury Liability covers the injuries of others if you cause a collision
Property Damage Liability helps pay for damages you cause to another’s property
Uninsured motorist pays toward your injuries if the at-fault driver doesn’t have insurance
Underinsured Motorist pays toward your injuries if the at-fault driver doesn’t have adequate insurance
Medical Payments covers the injuries of anyone in your vehicle after a collision
Collision pays toward repairing your vehicle no matter who caused a collision
Comprehensive coverage helps cover damage to your car caused by theft, fire, or vandalism
Rental coverage offsets the cost of a loaner car while yours is in the shop
Roadside assistance helps with situations like running out of gas or getting a flat tire

State minimum requirements

$15,000 limit per person/$30,000 limit per accident
At least $5,000 in coverage
Not required in California
Not required in California
Not required in California
Not required in California but may be required by your lender
Not required in California but may be required by your lender
Not required in California
Not required in California

What San Diegans customers say

“I signed up with Metromile because I carpool a lot with my boyfriend and I live really close to my workplace if I do wind up driving. For the amount of coverage you get, the price cannot be beat. Additionally, I had a problem with my first transponder, and the customer service rep I spoke to was so helpful and informative. He was really nice and made sure my issue was taken care of immediately! I will continue using them for quite a while, unless something in my life changes.”

Jessica B.
San Diego, California

“The service has been outstanding. If you’re a low mileage driver, I highly recommend Metromile.”

Kyle H.
San Diego, California

“Great insurance with unbeatable prices if you drive less than 10,000 miles a year.”

Rasha M.
El Cajon, California

“I’m so happy to have found Metromile. When I’ve needed to call, I always spoke to a live person almost immediately, and have always gotten my questions answered. I really like the online dashboard, which tracks my miles driven, my driving routes, and my current balance. At one point, one of my yellow engine lights came on and right away I received a call from Metromile, asking if I was OK and letting me know that they saw it as well. Thankfully, it was due to something minor, but I was glad to have a second set of eyes looking out for me!”

Jessica F.
El Cajon, California

“I love that we are saving money. We quoted other carriers and the price would have been more than double of what we pay.”

Karena J.
La Mesa, California

“Wonderful insurance with low rates”

Gabriel B.
San Diego, California

How much does pay-per-mile car insurance in San Diego cost?

It’s handy to know how much your bills will be, especially for your car insurance. However, rates in San Diego can be quite high, and if you’re a low-mileage driver or frequently use public transportation, it doesn’t make much sense to devote a large portion of your budget to your vehicle. Thankfully, Metromile offers San Diegans the same peace of mind you get from conventional car insurance with super-affordable prices.

Metromile’s pay-per-mile pricing starts with a low base rate that’s as little as $29/month. Then, you pay as few as 6 cents for each mile you drive. Instead of paying one premium no matter how much you do or don’t drive, Metromile puts you in control of your bill. Get a quote today to see how others save up to $947 per year*.

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Why get car insurance from Metromile?

∙ Car insurance designed for low-mileage drivers

∙ Enjoy low monthly base rates

∙ You’re in control of your monthly premiums