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 less than 10,000 miles per year. With less miles comes less risk and Metromile rewards these consumers 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. For consumers who do not fall into group, the pricing is much less competitive.
Handling Claims
Metromile began writing its own policies in just 2016, so its relatively new to the servicing side of the insurance business. As such, Metromile is perceived as lagging behind its more experienced rivals in the area of claims.
Uninsured Drivers
Metromile usually avoids uninsured drivers or does not offer competitive rates to them. Uninsured drivers should look elsewhere.
Young Drivers
Metromile heavily favors those consumers who have a proven history of driving. Therefore, if you are a young driver without much driving experience, you will likely not find Metromile the best choice.
Bundling Auto with Other Insurance Types
Metromile does not currently offer home insurance, so consumers looking to bundle their home with auto insurance, will find other insurance companies a better fit.
Drivers with Tickets/Accidents
Metromile likes consumers with good driving records. 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 7 states: AZ, CA, IL, OR, PA, VA and WA.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2021 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.