Metromile

The Car Insurance Guide

Overall Personalized Rating: 3.8/5 (Good)

Overall Personalized Rating: 3.8/5 (Good)

Summary

Metromile focuses on consumers that drive fewer than 10,000 miles per year. With fewer miles comes less risk, and Metromile rewards low-mileage drivers with lower premiums. If you find yourself in this group and have a clean driving record, definitely get a quote as Metromile's rates can be extremely competitive. If this is not your profile, you will likely find a better match elsewhere.

Key Benefits

  • Extremely competitive rates for low-mileage consumers with good driving records
  • Flexible pricing system that has a base price plus a per-mile charge, so you save more the less you drive

Ratings Summary

Ratings Highlights

Overall Rating
Metromile offers very competitive prices to low mileage (<7,500 miles per year) consumers with good driving records. If you fall into this group, you should absolutely get a quote from them as the savings can be significant.
Pricing
Metromile offers very competitive rates for drivers with clean records and low mileage counts. For consumers who do not fall into this group, the pricing is much less competitive.
Handling Claims
Metromile began writing its own policies in just 2016, so it's relatively new to the servicing side of the insurance business. As such, They are perceived as lagging behind its more experienced rivals in the area of claims. However, survey respondents indicated that this is changing gradually as the company gets more comfortable in their new position.
Uninsured Drivers
Metromile usually avoids uninsured drivers or does not offer competitive rates to them, so this group should look elsewhere.
Young Drivers
Metromile heavily favors those consumers who have a proven history of driving, so if you are a young driver without much driving experience, you will likely not find Metromile to be the best choice.
Bundling Auto with Other Insurance Types
Metromile does not currently offer Home or Renters insurance, so consumers looking to bundle Auto with Home or Renters insurance will find other insurance companies to be a better fit.
Drivers with Tickets/Accidents
Metromile likes consumers with good driving records, so consumers with blemishes on their record are advised to look elsewhere.
Premium Driver
If you are driver with a clean record, great credit and low mileage, Metromile can offer some very competitive rates. If this doesn't describe you, you can likely find better options elsewhere.

Company Background

Launched in 2011 as a broker, Metromile evolved to writing its own insurance policies in 2016. Metromile is now available in eight states: AZ, CA, IL, NJ, OR, PA, VA and WA.