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

  • Car insurance that works with your lifestyle
  • Great coverage at an affordable rate
  • You only pay for the miles you drive

Pay-per-mile car insurance in Chicago

As one of the largest cities in the United States, Chicago offers a wealth of things to do and places to see. Depending on where in the city you live, it might be essential to own a vehicle, and it’s important to have car insurance before you embark on any adventures. Yet with the high cost of traditional car insurance, you might wonder if there’s another way to see all the sights the city has to offer without spending a fortune.

Thanks to Metromile, there is! Metromile helps drivers save on car insurance whether they telecommute, regularly use public transportation, or are retired and looking to lower their monthly premiums — without sacrificing weekend road trips.
Instead of paying a fixed premium for car insurance in Chicago, Metromile offers a pay-per-mile system with base rates as low as $29/month. You’re charged as few as 6 cents for each mile you drive, allowing you to be in total control of your car insurance costs.

There are plenty of times in Chicago where it really helps to have a vehicle, but you can’t drive around without car insurance. Instead of resigning yourself to paying for conventional car insurance even when your car sits parked for weeks on end, start saving today with Metromile. In just a few minutes you can get a car insurance quote in Chicago and see how others have saved up to $947 per year*.

Illinois coverage types and minimum requirements


Bodily Injury Liability pays toward someone else’s injuries if you cause a collision
Property Damage Liability helps cover damages to someone else’s property if you cause a collision
Uninsured motorist pays toward your medical costs if an uninsured person causes a collision
Underinsured Motorist covers injuries in your vehicle if the at-fault driver doesn’t have enough insurance
Medical Payments may help pay your medical costs after a collision
Collision helps cover your vehicle repairs after an accident regardless of fault
Comprehensive coverage helps repair your car’s damages after a fire, vandalism, or theft
Rental coverage may pay toward a temporary vehicle while yours is repaired
Roadside assistance can assist with emergencies like mechanical breakdown or a flat tire

State minimum requirements

At least $25,000 per person/$50,000 per accident
At least $20,000 in coverage
At least $25,000 per person/$50,000 per accident
Combined with uninsured motorist coverage
Not required in Illinois
Not legally required by the state — may be required by your lender
Not legally required by the state — may be required by your lender
Not required in Illinois
Not required in Illinois

What Chicagoan customers say

I had a claim regarding the device connected to my car, when I called it was very very easy to place the claim and the license agent that took my case was very helpful. He made everything easy. I will be with Metromile forever”

Maria I.
Chicago, Illinois

“I’ve always been very pleased with Metromile’s rates and their customer service. I would highly recommend them.”

Hudson H.
Chicago, Illinois

“I received a quick and thoroughly satisfying response to my issue. Metromile went far beyond my expectations. Highly recommend.”

Melissa S.
Chicago, Illinois

“Nice company for their service & cost effectiveness especially for those who do not drive long time.”

Wale E.
Chicago, Illinois

“I have saved thousands of dollars since I’ve started using Metromile. Great customer service.”

Roberto R.
Chicago, Illinois

“Really satisfied with Metromile.”

Ji P.
Chicago, Illinois

How much does pay-per-mile car insurance in Chicago run?

Traditional car insurance in Chicago doesn’t always do a great job when it comes to matching high prices with low-risk drivers, oftentimes leading to premiums that are higher than you’d expect. If you don’t drive a lot yourself, work from home, or you’re retired, why should you have to devote a large portion of your budget to car insurance?

Take control of your car insurance rates today with Metromile. Chicago drivers who switch to Metromile are charged a low base rate starting at $29/month along with as few as 6 cents per mile on top of that. Instead of experiencing higher car insurance rates because of the type of vehicle you drive or the level of vehicle theft in your neighborhood, you can save hundreds per year* with Metromile.

Get a 2-min Quote

Why Chicago residents love Metromile?

∙ Manage your policy 24/7 online

∙ Filing a claim is quick and easy

∙ You’re in control of your premiums