Mile Auto Insurance Review for 2024 [Company Report]

This Mile Auto insurance review highlights two standout benefits: pay-per-mile pricing and low rates that start at $44 monthly for low-mileage drivers.

How much does mileage affect car insurance rates? For example, teen drivers who don’t log many miles could see significant cost reductions compared to traditional insurance.

Mile Auto Insurance Rating

Rating Criteria
Overall Score	3.3
Business Reviews	4
Claim Processing	0.7
Company Reputation	4
Coverage Availability	1.8
Coverage Value	3.8
Customer Satisfaction	2.8
Digital Experience	3.5
Discounts Available	4.5
Insurance Cost	3.9
Plan Personalization	3
Policy Options	2.2
Savings Potential	2.8

While low-mileage drivers reap the most rewards, those who drive more frequently may find Mile Auto less competitive, as mileage can push monthly rates higher. High-risk drivers, such as those with traffic violations, also face higher base rates, even with the pay-per-mile model.

Mile Auto is ideal for drivers who don’t drive often, but it’s wise to compare multiple quotes to ensure you get the best deal. Find lower rates by entering your ZIP code into our free quote comparison tool above.

Average Monthly Rates With Mile Auto Insurance

Mile Auto offers a unique pay-per-mile model, which can result in significant car insurance savings for low-mileage drivers. It sets a flat monthly rate and then charges a per-mile rate every month.

While Mile Auto advertises rates that start at $44/month, the truth is that most drivers pay closer to $100 monthly since the company bases the flat rate on driving record, age, gender, and location. Here’s a breakdown of the factors that affect car insurance quotes.

Mile Auto Insurance Rates by Age and Gender

Mile Auto Insurance rates vary significantly based on both age and gender. Younger drivers face substantially higher base rates but can keep costs low if they drive less than 900 miles per month.

Mile Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

The gap persists across average car insurance rates by age and gender but narrows slightly as drivers age. By age 25, the difference between male and female rates is minimal.

Mile Auto Insurance Rates by Driving Record

Despite being a mileage-based provider, your driving history is still one of the most significant factors affecting your Mile Auto Insurance car insurance premium. Drivers with infractions still see an increase in their base rate before mileage is even factored in. 

Drivers who need high-risk car insurance, such as those with a history of speeding tickets, accidents, or DUIs, will face higher premiums. Those with clean driving records enjoy the lowest base rates, so even low-mileage drivers with poor records may not benefit from the same savings.

Mile Auto Insurance Rates by State

Mile Auto monthly insurance rates across the U.S. average from $44 to $225 per month, depending on mileage and driver profile. Coverage is only available in 11 states: Arizona, California, Florida, Georgia, Illinois, Ohio, Oregon, Pennsylvania, Tennessee, Texas, and Wisconsin.

Some of these states, including Texas and California, are known for higher-than-average insurance rates. Mile Auto can help cut costs for low-mileage drivers living in these states. However, while its per-mile pricing offers flexibility, drivers with higher mileage may not see the same savings as other insurance models.

Read More: Cheapest Texas Car Insurance Rates

Mile Auto Insurance Rates vs. the Competition

Mile Auto’s pay-per-mile model caters to low-mileage drivers, but how does it stack up against the competition when considering different age groups, driving records, and other factors?

Mile Auto Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$448	$519	$168	$176	$162	$160	$158	$157
	$597	$629	$160	$167	$139	$139	$136	$136
	$220	$254	$90	$87	$80	$80	$78	$78
	$522	$626	$174	$200	$171	$174	$167	$170
	$460	$485	$190	$200	$160	$157	$132	$138
	$303	$387	$124	$136	$113	$115	$111	$112
	$591	$662	$131	$136	$112	$105	$109	$103
	$229	$284	$94	$103	$86	$86	$84	$84
	$530	$740	$99	$108	$98	$99	$96	$97

While other providers may offer slightly lower rates for certain age groups, Mile Auto strikes a good balance, particularly for drivers in their 30s to 60s. It has cheap car insurance for seniors, with 65-year-olds paying significantly less than Farmers or Progressive.

Pay Per Mile insurance is an easy answer if you’re looking to save money on car insurance. Take control over your costs and switch today! Visit the link in our bio to learn more about how much you can save. pic.twitter.com/tfB9PeeOEl

— Mile Auto (@DriveMile) August 11, 2022

Drivers with clean records will see significant savings with Mile Auto, as it generally offers lower rates than traditional insurers. However, for high-risk drivers, including those with violations, the pricing gap between Mile Auto and other companies tends to narrow.

Mile Auto Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$160	$188	$225	$270
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$157	$185	$210	$260
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$99	$134	$139	$206

While Mile Auto is more affordable for drivers with minor violations, competitors like Geico, State Farm, and Progressive offer better pricing to high-risk drivers.

Mile Auto Insurance Coverage Types and Options

Mile Auto, Inc. provides a range of coverage options designed to meet various driver needs. Its liability auto insurance coverage pays for injuries and property damage to others in an accident. For those seeking more protection, comprehensive coverage safeguards against non-collision incidents, such as theft or natural disasters, while collision coverage helps repair damage to your vehicle and property.

Mile Auto Insurance Coverage Options

Mile Auto also offers other types of required coverage, including uninsured/underinsured motorist coverage, medical payments coverage (MedPay), and personal injury protection (PIP).

Uniquely, Mile Auto offers roadside assistance and rental car reimbursement add-ons, which are typically not available with other pay-per-mile providers.

What Customers Have to Say About Mile Auto Insurance

Low-mileage drivers appreciate Mile Auto’s affordability and flexibility. Many customers highlight the savings from the pay-per-mile model, which offers a significant advantage over normal insurance companies for those who don’t drive often.

Positive reviews frequently mention excellent customer service and easy policy management through the Mile Auto insurance app.

How good is MileAuto insurance?
byu/userking99 inInsurance

Mile Auto is praised for its unique approach, though its benefits are most evident for specific driving habits. However, some customers express concerns about a higher base rate than expected, especially for drivers with less-than-perfect records.

If you have claims or accidents on your record, compare quotes from the ten best car insurance companies for high-risk drivers. You’ll likely get better rates.

Mile Auto Insurance Ratings

Mile Auto has received mixed reviews from various industry organizations. While it excels in customer satisfaction and financial stability, it needs to catch up in a few areas, such as handling complaints.

Mile Auto Insurance Business Ratings & Consumer Reviews

Agency
	Score: 842 / 1,000 Avg. Satisfaction
	Score: A Excellent Business Practices
	Score: 72/100 Good Customer Feedback
	Score: 1.02 Avg. Complaints
	Score: A Excellent Financial Strength

While Mile Auto has strong ratings from the BBB and A.M. Best for customer service and financial stability, it does receive more complaints than average, according to the NAIC. However, the company remains a popular choice for drivers prioritizing affordability and usage-based car insurance.

Mile Auto Pay-Per-Mile Car Insurance Pros and Cons

Mile Auto stands out as a modern insurance provider that caters to low-mileage drivers who work from home or have short commutes. Here are the top three advantages to buying Mile Auto car insurance:

• Positive Customer Review: Mile Auto receives the average number of customer complaints.
• Affordable Coverage: Mile Auto insurance rates are cheap for low-mileage drivers
• No Tracking Devices: Mile Auto doesn’t track driver habits, and policyholders only need to submit a picture of their odometer every month.

Its biggest strength is its cheap low-mileage car insurance. Unfortunately, high-mileage drivers will see higher rates. Other disadvantages of Mile Auto pay-per-mile car insurance are:

• No Discounts: Mile Auto doesn’t offer any car insurance discounts
• Regional Limitations: Car insurance from Mile Auto is only available in 11 states.

If you’re seeking multi-policy or multi-vehicle discounts in addition to low-mileage savings, you’re better off going with another company.

Why Mile Auto Insurance Stands Out for Low-Mileage Drivers

This Mile Auto Insurance car insurance review found that, while it may not be the cheapest choice for high-mileage or high-risk drivers, Mile Auto provides flexibility and savings for those who drive less than 10,000 miles annually.

By combining various car insurance coverage options and car insurance discounts, Mile Auto stands out as a cost-effective, customer-friendly insurer, especially in states where it’s available. 

Searching for more affordable premiums in your state? Enter your ZIP code below to find the right provider for you and your budget.