Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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The Lowdown

  • Milewise is best for stay-at-home parents, commuters, people who work from home, and retirees
  • How much you save with Milewise depends on how much you drive
  • As you drive and accrue daily and mileage charges, your account pays for these trips

Auto insurance has taken a slightly different turn when it comes to calculating rates.

A new type of insurance is dependent on the miles that are driven, called pay per mile insurance. There is a daily rate that a driver must pay whether they have driven that day or not. Allstate’s pay-per-mile service is called Milewise.

Before learning more about Milewise, enter your ZIP code to get free auto insurance quotes today.

What is Milewise?

Allstate offers a type of car insurance that is based solely on the miles you drive; it comes with the same reliable coverage and claims service that you would expect from Allstate. This program is called Milewise.

Some people, such as stay-at-home parents, commuters, people who work from home, and retirees, drive less than the average driver. The Milewise rate is made up of a flat daily rate plus a per-mile rate when you drive. Essentially, the less you drive, the less you pay.

How much you save with Milewise depends on how much you drive. Allstate offers a feature on its website to view your estimated percent savings for miles driven between 1,000 and 10,000.

Annual Miles DrivenAverage Percent Savings
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Allstate follows the formula daily rate + per-mile rate = total cost per day. You pay a low daily rate and per-mile rate when you drive. When your account reaches its minimum balance, it’s automatically replenished via the credit card on file.

As you drive and accrue daily and mileage charges, your account pays for these trips. It replenishes automatically when your balance is low.

The pay-per-mile service works by putting a palm-sized device in your vehicle. You plug the device into your car under the dash and steering column. It detects driving information so you can see your mileage and trip habits on demand. Make sure the device is installed and operating correctly to record your trips.

After you install the Milewise device in your vehicle, the details it gathers on your driving patterns act as a rating factor at your next policy renewal. The pay-per-mile program tracks how many miles you drive, speeds over 80 miles per hour, sudden braking, and late-night driving.

Superior financial strength ratingsNot available in all states
Several available discountsNewer program with few customer reviews
Fewer complaints than average for a company of its size
Money-saving potential for infrequent drivers
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How can I sign up for Milewise?

Sign up for Allstate Milewise in four quick and easy steps.

  1. Enroll by entering your ZIP code and getting a quote from Allstate. You’ll need personal information, along with vehicle information such as your car’s year, make and model, and VIN.
  2. Set up your device and app. Locate your vehicle’s OBD-II port near the steering column. Most likely, you will find it on the driver’s side under the dash. Match the v-shape orientation of the plug with the port and click it into place. You will also need to download the Allstate mobile app and set up an account.
  3. Monitor your insurance cost by setting a spending goal for the month. View your trips and track your progress. Have a credit card or debit card on file. When you hit your minimum balance, Milewise will automatically reload your account, so there is no need to remember the due date for your bill.
  4. If you want to cancel for any reason, you’ll need to call your Allstate agent. Have your account number ready to go, and you may be asked to provide a written request for cancellation.

Milewise in the Allstate Mobile App

You can track your pay-per-mile services through the Allstate mobile app. In the app, you can access your policy details, account balance, miles driven, and safe driving status. You can also review your weekly spending and set goals.

Dig into detailed maps, get personalized driving feedback, and see your safe driving trends — safe driving trends are based on braking, speed, and the time of day that you are driving. Through the app, you can also view vehicle diagnostics, get car maintenance reminders, find a mechanic, and schedule repairs.

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Is Milewise offered all over the United States?

Milewise is not offered in all 50 states. The following states offer Milewise:

  • Washington
  • Oregon
  • Idaho
  • Arizona
  • Texas
  • Oklahoma
  • Missouri
  • Illinois
  • Indiana
  • Ohio
  • Wisconsin
  • Minnesota
  • Pennsylvania
  • Maryland
  • West Virginia
  • Virginia
  • Delaware
  • New Jersey
  • Massachusetts
  • South Carolina
  • Florida

Should you sign up for Allstate Milewise?

Allstate Milewise reviews are mixed, with some customers noting that they saved money and others annoyed that the Milewise device documents their driving patterns.

In addition, other Allstate Milewise complaints state that Metromile is cheaper. However, Metromile is not available all over the U.S. If you can’t get Metromile where you live, Allstate Milewise might be your best option.

It’s worth getting a quote and doing the math to determine if this would be a good deal for you based on how frequently you drive.

Allstate Pay-Per-Mile Service: The Bottom Line

If Allstate Milewise is offered in your state and you don’t drive very much, you may benefit from the program. After having explored how Milewise works in this article, you should have a better understanding of whether it’s right for you.

Now that you’ve learned all about Allstate’s pay-per-mile service, enter your ZIP code and get free car insurance quotes today.

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Frequently Asked Questions: Allstate Milewise

Need to know more about Allstate Milewise? Read the frequently asked questions below.

#1 – Can I move the Milewise device from one vehicle to another? 

No. The Milewise device follows the car, not the driver. Be sure to keep each device plugged into the car originally designated on the policy.

#2 – What happens on days I don’t drive at all? 

On the days you don’t do any driving, only the daily rate is deducted from your Milewise account.

#3 – I’ve got some questions. Who do I contact? 

You can contact your Allstate agent or call the Customer Care Team at 877-389-0047.

Allstate Pay-Per-Mile Service Review for 2022 Additional Information

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Allstate Pay-Per-Mile Service Review for 2022 Insurance Quotes

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