Metromile auto insurance review for 2021
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Metromile is a newer car insurance provider that was founded in 2011. The company specializes in pay-per-mile auto insurance which is ideal for infrequent drivers who want affordable coverage. Metromile customers pay a flat monthly rate plus a few cents for each mile driven. The miles are tracked using an in-vehicle telematics device, called the Pulse. On average, drivers are estimated to save $741 per year after switching to Metromile.
- Region offered: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington
- Specialty coverages: pay-per-mile insurance
Metromile car insurance is licensed to sell insurance in all 50 states, but the company currently offers car insurance coverage in eight states: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington.
Metromile customer satisfaction and complaints
Because Metromile is a small car insurance company, it is not rated by J.D. Power, AM Best or other prominent industry organizations. However, Metromile is rated in the National Association of Insurance Commissioners’ (NAIC) Company Complaint Index. The company has higher than average customer complaints, which indicates poor customer satisfaction.
On a brighter note, Metromile’s mobile app has excellent reviews from real customers. Drivers can use the Metromile app to track their mileage, see their monthly charges and make changes to their policy. The Metromile app is rated 4 out of 5 stars in the Google Play Store and is rated 4.7 out of 5 stars in the App Store.
Metromile auto insurance discounts
One of the downsides to Metromile is that the company does not offer many discounts. Pay-per-mile car insurance is usually cheaper than traditional policies, so most drivers are already getting a low rate. The only discount that Metromile advertises is a multi-vehicle discount for customers who insure two or more cars with Metromile.
Despite the lack of discounts, however, Metromile insurance customers can get a lower rate by improving their credit score, raising their deductible and avoiding accidents or traffic violations. Metromile also recommends that drivers choose their coverage limits strategically if they want to save money. Any driver who is interested in Metromile can get a free quote online to see how much they will pay.
Metromile auto insurance premium length
Metromile offers annual car insurance policies. After the 12-month period ends, changes to the insurance policy or rates may take place. A policyholder’s rate might increase or decrease based on changes in their credit score or accident history. During the renewal period, drivers can also choose to adjust their coverage limits, add discounts and change their deductible.
Drivers are also able to cancel their Metromile car insurance policy during the renewal period. Metromile does not charge a cancellation fee, but drivers will need to contact a customer service agent to start the termination process. Before cancelling an insurance policy, it is important to have a new policy lined up that overlaps several days with the old policy.
One thing to note that is that Metromile customers must pay their premium in monthly installments over the 12-month policy period. Currently, the company does not offer the option to pay in full annually, or bi-annually. Metromile does not offer a discount for paying upfront or choosing a certain payment schedule.
Metromile vs. other insurance companies
Metromile is a unique insurance company because it only sells pay-per-mile insurance. However, drivers may still find low rates with other providers, especially if they drive infrequently. Here is how Metromile compares to The General and National General:
Metromile vs The General
The General specializes in high-risk auto insurance, making it a good option for drivers who have a poor credit score or bad driving record. Metromile, on the other hand, does not serve high-risk drivers. However, The General sells car insurance in almost every state, whereas Metromile only sells insurance in eight states.
Metromile vs National General
National General also serves high-risk drivers and will issue SR-22’s, which Metromile currently does not offer. National General does not offer pay-per-mile insurance, but it does offer a discount for customers based on how frequently they drive. Drivers who struggle to qualify for standard car insurance are better off with a policy from National General compared to Metromile.
Metromile mobile app and digital experience
Metromile is an innovative car insurance company that offers a tech-forward approach to insurance. The company operates entirely online and relies on its digital resources to help customers manage their policy. Some of Metromile’s standout digital features include:
- Pulse in-car telematics device that tracks miles driven
- Metromile mobile app tracks distance, vehicle health and trip information
- Ride Along program shows drivers how much they can save before buying a policy
- Metromile dashboard
- Online quotes
- Online claims
In the spotlight
- Metromile offers pay-per-mile insurance exclusively
- Metromile is best suited for infrequent drivers looking for an affordable premium
- The company operates entirely online and has a variety of digital tools
- Metromile reviews show that the company has higher than average customer complaints
When comparing Metromile to other car insurance providers, there are several things to keep in mind. First, remember that Metromile only offers pay-per-mile insurance. People who drive often, or drive far distances, are not necessarily the ideal candidate for Metromile; it is probably not the cheapest car insurance company for these drivers.
Because it focuses on pay-per-mile insurance, Metromile offers very basic coverage options and does not have many discounts to choose from. Drivers who want to customize their policy with add-ons may benefit from considering a different company. Lastly, Metromile is an online-only insurance company, so it does not employ live agents who can offer in-person assistance.