Metromile Car Insurance Review for 2025 [What Customers Have to Say]

This Metromile car insurance review explores how low-mileage drivers get the lowest rates, starting at $41 per month. Drivers can save up to 47% with Metromile compared to traditional insurance.

Through the Metromile tracking device (Pulse Device), customers can monitor their car’s location, track car insurance mileage, and access vehicle diagnostics via a user-friendly mobile app.

Metromile Car Insurance Rating

Rating Criteria
Overall Score	3.5
Business Reviews	4.0
Claim Processing	3.5
Company Reputation	4.0
Coverage Availability	1.9
Coverage Value	3.5
Customer Satisfaction	4.1
Digital Experience	4.0
Discounts Available	3.0
Insurance Cost	3.8
Plan Personalization	4.0
Policy Options	2.8
Savings Potential	3.6

Do you have to buy car insurance if you only drive occasionally? Yes, and this company excels at serving drivers who travel less than 10,000 miles annually. However, potential customers should note coverage is currently limited to only eight states.

Keep reading to compare the pros and cons of Metrolmile low-mileage car insurance. If you drive less than 10,000 miles annually, enter your ZIP code above to see how much you could save.

Metromile Pay-Per-Mile Car Insurance Explained

Metromile offers a unique pay-per-mile car insurance model that can be cost-effective for low-mileage drivers. It was acquired by Lemonade Insurance in order to expand this type of car insurance in more states.

The cornerstone is the Metromile Pulse Device, a small tracking device that plugs into your car’s OBD-II port. This Metromile tracking device monitors your mileage to set premiums.

Through the Metromile auto insurance app, customers can access real-time information about their driving habits, track their car’s location, monitor vehicle health, and manage their policy. The app also provides detailed trip information and helps users avoid street-sweeping tickets in select cities.

Read More: How to Get Metromile Car Insurance Quotes Online

Metromile Car Insurance Rate Comparison

Does driving less affect car insurance rates? Yes, less driving means lower insurance rates since it reduces accident risk. Metromile’s pay-per-mile car insurance model specifically targets low-mileage drivers.

Metromile Car Insurance Monthly Rates by Coverage Level, Age, & Gender

It’s important to note that the Metromile car insurance quotes above are for drivers who are on the road 12,000 miles per year or more. Your rates will be considerably less because Metromile offers up to 47% savings for those driving under 10,000 miles per year.

However, driving record will impact Metromile insurance costs, and a poor driving history will raise your base rates. The following table breaks down monthly premium variations based on different driving scenarios, from clean records to more serious infractions like DUIs.

As shown above, driving history significantly affects Metromile’s rates, with DUI convictions resulting in the highest premiums at $160 monthly, while maintaining a clean record can save drivers up to $45 per month.

Metromile Insurance vs. The Competition

Compare Metromile auto insurance to popular companies to see how mileage impacts car insurance rates. The following table illustrates how various providers adjust their coverage rates based on demographic factors.

Metromile vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 60 Female
	$448	$519	$168	$176	$162	$160	$150
	$131	$178	$43	$51	$43	$44	$40
	$305	$414	$116	137	$115	$117	$113
	$220	$254	$90	$87	$80	$80	$73
	$626	$626	$174	$200	$171	$174	$148
	$417	$481	129	$136	$118	$115	$104
	522	$626	$174	$200	$171	$174	$148
	$591	$662	$131	$136	$112	$105	$92
	$229	$284	$94	$103	$86	$86	$76
	$530	$740	99	108	$98	$99	$89

Metromile car insurance is often cheaper than many popular providers because it bases rates primarily on mileage rather than non-related driving factors like age and credit history. This table shows how much cheaper Metromile auto insurance rates are after an accident or DUI.

Metromile vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance Company	Clean Record	One Accident	One DUI	One Ticket
	$160	$225	$270	$188
	$117	$176	$194	$136
	$139	$198	$193	$173
	$80	$132	$216	$106
	$174	$234	$313	$212
	$115	$169	$171	$139
	$115	$161	$237	$137
	$105	$186	$140	$140
	$86	$102	$112	$96
	$99	$139	$206	$134

Compared to other companies, Metromile will not raise your rates as high since it focuses primarily on mileage, making it an excellent choice for high-risk drivers who need to lower their rates.

Metromile Car Insurance Coverage Options

The Metromile auto insurance coverage includes standard options like liability auto insurance coverage, comprehensive coverage, collision coverage, coverage for uninsured/underinsured motorists, and personal injury protection, depending on your state’s requirements.

This list of Metromile coverage options is shorter than you’d find with national providers, but it does offer special add-ons you can’t find everywhere:

• Roadside Assistance: Policyholders can use the Lemonade or Metromile app to call roadside assistance for towing, tires, batteries, or fuel delivery.
• EV Coverage: If your EV dies, you can call for emergency charging services. This add-on also covers wall or portable EV chargers.
• Rental Reimbursement: Metromile will pay for rental cars or rideshare services used while your vehicle is being repaired during a covered claim.
• Glass Coverage: This is available with comprehensive policies, allowing drivers to choose a lower deductible for windshield and window repairs without raising rates.

These are great coverage options for most drivers, but you should consider shopping elsewhere if you need a more customized policy.

Complete List of Metromile Insurance Discounts

Beyond its signature pay-per-mile car insurance, customers can stack multiple car insurance discounts to maximize Metromile insurance savings. Potential savings range from 10% to 25%.

Metromile Car Insurance Discounts & Potential Savings

Metromile is particularly cost-effective for responsible, low-mileage drivers who qualify for multiple savings programs.

Metromile Insurance Reviews: What Customers Are Saying

How do customer satisfaction ratings affect car insurance companies?  This Reddit review explains how Metromile is good for low mileage drivers, including actual premium costs, coverage details and nice things about claims and customer service.

Comment
byu/joepa_2017 from discussion
inInsurance

According to the Reddit reviewer who drives 400-700 miles a month, if you work from home or don’t need to travel much, Metromile’s usage-based model really shines.

Let’s examine Metromile’s reviews across major industry ratings agencies before their acquisition by Lemonade Insurance. These historical ratings provide context for understanding the company’s service quality and financial stability.

Metromile Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 845 / 1,000 Above Avg. Satisfaction
	Score: A Excellent Business Practices
	Score: 74/100 Good Customer Feedback
	Score: 0.85 Fewer Complaints
	Score: A- Good Financial Strength

While these Metromile insurance ratings reflect strong performance, including impressive J.D. Power scores (845/1000), note that the company now operates under Lemonade Insurance following their acquisition. Customers benefit from Lemonade’s innovative technology while maintaining Metromile’s pay-per-mile model.

Metromile Car Insurance Pros and Cons

The advantages of Metromile auto insurance are designed to benefit low-mileage drivers who need simple policies with ample coverage:

• Pay-Per-Mile Savings: Drivers who travel less than 10,000 miles annually can save up to 47% compared to traditional insurance.
• Technology Integration: Real-time car diagnostics, location services, and trip optimization comes with the Metromile Tracking Device.
• Transparent Pricing: Base rate plus per-mile charge provides a clear cost structure with no hidden fees.

While Metromile offers attractive benefits for some drivers, potential customers should consider these significant drawbacks:

• Limited Availability: Service is only available in eight states, restricting access for many potential customers.
• High-Mileage Costs: Not cost-effective for drivers who regularly exceed 10,000 miles annually.

Consider your annual mileage and state availability when deciding if Metromile’s technology-driven, pay-per-mile approach matches your insurance requirements.

Making Your Metromile Insurance Decision

Those who work from home or drive fewer than 10,000 miles a year would benefit most from Metromile pay-per-mile car insurance. It also has a notable J.D. Power rating of 845 out of 1000, which speaks to its customer satisfaction.

However, our Metromile car insurance review found that, while it’s one of the best usage-based car insurance companies with savings of up to 47%, its limited availability in only eight states is very restrictive.

Fortunately, you can find affordable car insurance near you with our free comparison tool. Enter your ZIP code below to get started today.