Metromile Program Review for 2021

Metromile, a usage-based insurance company, uses a mobile application and device to track your daily mileage. Your Metromile auto insurance rates are based on a set monthly fee plus a few cents for each mile you drive. Base monthly rates start at $29. All miles over 250 per day, or 150 in New Jersey, are free. If you buy Metromile auto insurance, you might save as much as 47 percent on your overall rates.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 11, 2022

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su_box title=”Can’t-Miss Facts” style=”default”]

  • Metromile, a pay-per-mile insurance company, charges drivers a monthly base rate starting at $29 plus a few cents for each mile driven
  • Customers using Metromile save an average of 47 percent, or $741 per year, on their auto insurance rates
  • Currently, Metromile is available in Arizona, California, Illinois, New Jersy, Oregon, Pennsylvania, Virginia, and Washington


Metromile, a usage-based insurance company (UBI), believes driving less should lead to lower auto insurance rates. Metromile customers pay a base monthly rate starting at $29, plus a few cents for every mile driven each day.

Below, learn how Metromile calculates auto insurance rates, what data the company collects, and discover if this telematics program is right for you.

Most major insurance companies now offer UBI programs. Before choosing whether to buy Metromile auto insurance, enter your ZIP code into our free tool above to compare car insurance quotes online from reputable providers near you.

What is Metromile?

Metromile is one of the top usage-based insurance programs, and the company only sells pay-per-mile auto insurance.

However, according to the National Association of Insurance Commissioners (NAIC), the technology was created by Progressive over a decade ago.

Metromile drivers pay a monthly base fee, plus additional charges for each mile driven in a day, starting at $0.06 per mile. The monthly base rate does not change for at least six months.

Monthly fees start at $29 but depend on different factors that affect auto insurance premiums, including your age, location, and coverage needs.

You can purchase traditional Metromile insurance coverage options, including liability, collision, and comprehensive coverage.

You can also get Personal Injury Protection (PIP), Underinsured Motorist coverage, or Uninsured Motorist coverage through Metromile.

Using a Metromile login to access a mobile application, you can view trips, see details about car health, receive street sweeping alerts, and even locate your vehicle.

The Metromile app helps return 92 percent of all stolen vehicles.

Metromile reviews from customers online are often negative, not uncommon for insurance providers. However, the company is popular with millennials and other tech-savvy clientele.

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How does Metromile work?

When you seek out a Metromile auto insurance quote, you’ll also receive information about your monthly base pay.

On top of the base rate, you’ll also pay pennies for each mile you drive in a given month.

The less you drive, the less you pay each month for Metromile auto insurance.

You cannot go over your miles with Metromile. Anything over 250 miles in a day will be free, or 150 miles in New Jersey.

Each month, you pay the base fee plus any miles driven from the previous month.

Therefore, you’re only billed once per month, and the company will help you set up automatic payments to avoid confusion.

What driving habits does Metromile track?

According to the company website, Metromile only bases your rates on the number of miles you drive each month. However, the mobile app and plug-in device tracks more data than only how far you’ve driven.

The plug-in device can also track your location, acceleration, and braking events.

The purpose of the plug-in device and mobile app is to provide customers with better benefits, not to increase your rates.

You can see vehicle health information, find where you parked your car, and more by using the app and Metromile plug-in device.

While the Metromile privacy policy claims the company is not in the business of selling your data to third-party entities, Metromile does reserve the right to do so depending on state privacy laws.

Is Metromile worth it?

If you live in one of the states where Metromile is available and drive very little, you’ll likely secure worthwhile, affordable Metromile auto insurance rates.

However, folks who drive even an average amount may end up paying more for insurance with a company like Metromile.

Fortunately, many other major insurance providers offer UBI programs that track and reward drivers with a discount based on their safe driving habits.

Find your best program by comparing quotes from multiple providers online.

Metromile auto insurance company is just one of many great UBI programs out there; enter your ZIP code into our free quote tool below to compare rates from reputable providers near you.

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Enter your ZIP code below to compare auto insurance rates.

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