Metromile Auto Insurance Review (2024)

Metromile, a pay-per-mile auto insurance provider, offers a unique coverage approach for drivers, catering to those who don't frequently use their vehicles, potentially saving them money on insurance premiums.

UPDATED: Jan 31, 2024Fact Checked

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Insurance Agent

UPDATED: Jan 31, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 31, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 31, 2024Fact Checked
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Metromile

Average monthly rate for good drivers:

$139

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • Cheap coverage for people who drive less
  • Pet injury protection as part of full coverage policies
  • Usage-based auto insurance rates for occasional drivers
  • Intuitive online presence
  • Helpful mobile app

Cons

  • Continually monitored driving
  • A large number of customer complaints
  • Expensive rates for people who drive a lot
  • Few discount options
  • A fluctuation in monthly or annual rates
  • Lack of nationwide availability

Final Verdict: Review of Metromile

Shopping for auto insurance coverage can be difficult. With countless companies and coverage options competing for your attention, you may feel overwhelmed when purchasing an auto insurance policy or searching for coverage with a new insurance company.

Metromile is one auto insurance company that offers a unique type of coverage. With Metromile, you can purchase pay-per-mile car insurance that offers the coverage you need at a lower price if you don’t drive very often. If you drive fewer than 10,000 miles per year, Metromile’s pay-per-mile insurance may be a cheap option.

In addition to pay-per-mile auto insurance, Metromile offers other standard coverage options. However, you may pay more for a standard auto insurance policy with Metromile since the company focuses on offering cheap coverage to infrequent drivers.

Unfortunately, Metromile is not available throughout the U.S., so you’ll have to research to learn whether the company offers coverage in your area. As you research auto insurance in your area, remember to get quotes from several companies to compare coverage prices.

Metromile offers car insurance coverage in several states in the U.S. and is one of the best auto insurance companies for people who don’t drive often. With Metromile, you pay for auto insurance based on how often you drive. So, if you drive fewer than 10,000 miles annually, you may benefit from cheaper rates with the company. Metromile offers usage-based auto insurance, which means the company tracks its policyholders’ driving habits to discern how safe they are behind the wheel. If you do not want your car insurance company to track you while you drive, Metromile may not be a good option for you.

What You Should Know About Metromile

With Metromile, you pay for auto insurance based on your driving habits. One of the most important driving characteristics the company tracks is how much you drive. If you drive fewer miles, you pay less for coverage. Metromile uses a mobile app to discern and assess its policyholders’ driving habits. So if you drive safely and don’t drive very much, you could save money with Metromile.

The company claims its customers can save up to $947 annually or $79 per month. Individuals who drive more frequently and accrue more than 10,000 miles each year may not benefit from an auto insurance policy with Metromile. Still, you can get a quote from the company to see how much you would pay for coverage.

Is Metromile insurance good?

Metromile does not have a rating with A.M. Best or the Better Business Bureau. Because of this, it’s difficult to know the company’s exact financial strength. Still, Metromile offers competitive rates, especially for people who don’t drive very often.

If you drive more than 10,000 miles a year, Metromile’s rates may be higher than many other companies in your area. You can get a quote from the company to compare prices with other standard auto insurance companies.

How does Metromile work?

Metromile uses a device it calls the Metromile Pulse to monitor its policyholders’ driving habits. The Metromile Pulse plugs into your vehicle’s diagnostic port and instantly reports specific information to the company.

Metromile has a GPS feature, but customers are allowed to turn that feature off so the company can track their driving habits but not track their location. Still, some people are uncomfortable with being monitored 24/7. Some of the most common habits Metromile tracks include:

  • Mileage
  • Driving time of day
  • Hard braking
  • Acceleration
  • Speeding

If you live in a state where Metromile operates, you need to consider a few things before purchasing a policy. First, your rates with Metromile may constantly fluctuate. If you drive only a few miles one month but your mileage increases in the following month, you may have to pay more for coverage.

Metromile customers also complain consistently about the company’s customer service standards. Therefore, if customer service is an important part of your auto insurance experience, Metromile may not work for you.

Lastly, Metromile is only available in Washington, California, Oregon, Illinois, Arizona, Virginia, Pennsylvania, and New Jersey. If you live in another state, you’ll have to search for car insurance with another company.

Metromile Insurance Coverage Options

Metromile offers the standard types of auto insurance most people expect from a car insurance company. These coverages include:

  • Bodily injury liability. Bodily injury liability protects you if you hit someone and cause physical injuries.
  • Property damage liability. Property damage liability protects you if you hit someone’s car and cause damage to the vehicle.
  • Uninsured/underinsured motorist coverage. Uninsured/underinsured motorist insurance pays if someone hits you, but they don’t have proper insurance.
  • Personal injury protection (PIP). Personal injury protection insurance covers medical costs, visits to the doctor, and can sometimes help with lost wages due to an accident.
  • Medical payments (MedPay). MedPay helps pay for medical bills associated with injuries sustained during a car accident.
  • Collision insurance. Collision auto insurance coverage pays to repair your vehicle if you are at fault in an accident and your vehicle is damaged.
  • Comprehensive insurance. Comprehensive auto insurance coverage pays to repair your car if hail, wind, wild animals, theft, or vandalism damage your vehicle.
  • Roadside assistance. Roadside assistance helps with flat tire repair, fuel delivery, lockout services, and towing.
  • Rental car reimbursement. With rental car reimbursement, your insurance company will pay you back if you have to rent a car while your vehicle is in the shop after a covered accident.

Metromile full coverage auto insurance policies — including collision and comprehensive insurance — come with $1,000 in pet injury insurance. Additionally, if your windshield cracks, Metromile does not make you pay your deductible before the company pays to fix it.

Lastly, Metromile’s uninsured and underinsured motorist coverage automatically comes with a deductible waiver. So, if you’re driving and someone injures you or damages your vehicle, you will not have to pay a deductible before the company pays for repairs.

Does Metromile sell other types of insurance?

Metromile only sells auto insurance policies. While other companies offer discounts for bundling things like car and home insurance, Metromile does not offer this type of savings. Still, the company may be a good fit for you if you don’t drive very much.

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Metromile Insurance Rates Breakdown

Driver ProfileMetromile auto insuranceNational Average
Clean Record$221$199
1+ Ticket$240$210
1+ Accident$280$250
DUI$320$300
Poor Credit$380$342

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Because Metromile offers pay-per-mile coverage, it’s difficult to know exactly how much you’ll pay. Your auto insurance rates will depend on how much and often you drive. The company also monitors your driving habits and offers rates specific to your tendencies behind the wheel.

What is Metromile Pulse?

As stated earlier, Metromile uses Metromile Pulse to read and report diagnostics about your driving to the company. With Metromile Pulse, the company monitors things like:

  • The days and times you drive
  • How far you drive
  • Your stop and start patterns
  • Speeding
  • Hard braking

Some people dislike that their auto insurance company constantly monitors their driving habits. If you do not want Metromile to monitor you 24/7, you should not seek a policy with the company.

Metromile Pulse can be helpful in specific scenarios. For example, the device can help you track your driving routes, find your vehicle if you lose it while it’s parked, and alert you if something is wrong with your engine.

Other insurance companies offer usage-based insurance coverage as discount opportunities, but Metromile is one of the only companies to use this type of monitoring for each customer.

How does Metromile determine my rates?

Metromile pays more attention to how much you drive than most other auto insurance companies. The company also determines your rates based on other factors, like:

  • Age
  • Location
  • Gender
  • Marital status
  • Driving history
  • Credit score
  • Car make and model
  • Coverage types

Each of these factors has the potential to impact your car insurance rates with Metromile or any other car insurance company. For example, if you are over 25, have a clean driving history, and have a good credit score, you may find that Metromile offers cheaper rates.

Remember that your car insurance rates depend partly on the type of car insurance you purchase. If you just want a liability-only policy, your rates will be less expensive than if you choose full coverage. You will also pay more if you choose add-on coverages, like roadside assistance or rental car reimbursement.

How much is Metromile auto insurance for teen drivers?

Teen and young adult drivers pay more for car insurance than any other demographic. In addition, teen drivers pay more with Metromile than older drivers because of the risk they pose behind the wheel.

Average Monthly Full Coverage Teenage Auto Insurance Rates by Gender
Insurance Company16-Year-Old Male With a Clean Record16-Year-Old Female With a Clean Record18-Year-Old Male with a Clean Record18-Year-Old Female with a Clean Record
Allstate$637.83$608.25$518.58$448.42
American Family$480.08$390.17$390.33$287.67
Farmers$741.75$777.50$603.17$573.25
Geico$311.92$297.75$253.58$219.58
Liberty Mutual$778.25$716$632.75$527.92
Nationwide$476.17$410.50$387.17$302.67
Progressive$813.83$801.42$661.75$590.83
State Farm$349.25$310.83$284$229.17
Travelers$896.83$708.83$729.17$522.58
National Average$609.58$557.92$495.58$411.33

The national average rate for a female teen driver is $4,962 annually or $414 per month. However, Metromile charges female teen drivers around $7,561 annually or $630 per month. For males, the national average for teen drivers is $5,661 annually or $472 per month, but Metromile charges $8,103 annually or $675 per month on average.

Because Metromile’s rates are almost 35% higher than the national average, teen drivers should consider other companies for auto insurance coverage. You can add your teen driver to your insurance policy to save money. Most companies offer lower rates to teens who join an adult’s policy.

How much is Metromile auto insurance for young adult drivers?

Young adults typically pay less than teens for car insurance as long as they have a clean driving record.

Average Monthly Auto Insurance Rates by Age and by Company
Companies25-Year-Old Female25-Year-Old Male17-Year-Old Female17-Year-Old Male
Allstate$219.51$220.97$678.65$733.87
Farmers$172.13$179.75$810.38$773.12
Geico$108.35$111.96$259.76$385.52
Liberty Mutual$279.38$296.29$544.95$882.56
Nationwide$170.12$216.52$304.87$452.46
Progressive$192.71$187.71$527.40$587.72
State Farm$181.32$192.87$497.40$641.39
Travelers$247.44$255.98$558.84$664.92
USAA$162.66$179.06$520.49$617.89

The national average for young adult drivers is around $1,734 for women and $1,842 for men per year. This averages to about $145 per month for females and $154 for males. Metromile’s rates are higher. With Metromile, female young adult drivers pay $2,141 annually or $178 per month, and males pay $2,259 annually or $188 per month.

Young adult drivers should compare Metromile’s rates with rates from other auto insurance companies before choosing a policy.

Read more: Best Auto Insurance for Women

Is Metromile cheap for adult drivers?

Metromile’s auto insurance rates for adult females are around 7% higher than the national average. The company’s rates for adult men are around 5% higher than the national average.

The national average for auto insurance for a female driver is $1,476 annually or $123 per month. However, with Metromile, female adult drivers pay $1,842 annually or $154 per month. Similarly, the national average for men is $1,485 annually or $124 per month, while rates with Metromile are typically around $1,836 annually or $153 per month.

Because Metromile is a pay-per-mile auto insurance company, you’ll pay more if you drive more. However, if you’re an infrequent driver, you could pay less than the company’s average for your gender. You’ll have to get a quote from Metromile to learn more.

How much is Metromile for senior drivers?

Senior drivers pay more for Metromile on average than with other insurance companies.

Average Monthly Full Coverage Senior Auto Insurance Rates by Gender
Insurance Company60-Year-Old Male With a Clean Record60-Year-Old Female With a Clean Record65-Year-Old Male With a Clean Record65-Year-Old Female With a Clean Record
Allstate$153.92$149.75$156.50$158.33
American Family$99.17$97.92$107.58$106.33
Farmers$122.83$115.25$130.08$130.67
Geico$74.33$72.67$78.42$78.17
Liberty Mutual$157.50$146.50$168.50$165.92
Nationwide$104.42$99.08$112.25$110.58
Progressive$95.25$92.08$102.83$109.33
State Farm$76$76$84.17$84.17
Travelers$88.75$87.67$95.42$94.17
National Average$108$104.08$115.08$115.25

The national average for female senior drivers is $1,332 annually or $111 per month. With Metromile, female senior drivers pay $1,668 annually or $139 per month. In the U.S., senior male drivers pay $1,365 annually or $114 monthly. However, with Metromile, senior male drivers pay around $1,754 annually or $146 monthly.

Rates for senior drivers often increase around age 60 because insurance companies see individuals in their 60s and older as having more of a risk of getting into an accident.

Is Metromile expensive after a speeding ticket?

Most insurance companies charge higher rates if a person has one or more speeding tickets on their record. Metromile also increases its policyholders’ rates if they get a speeding ticket.

Average Monthly Auto Insurance Rates with One Speeding Ticket
CompanyAverage Rates with Clean RecordAverage Rates with 1 Speeding Violation
Allstate$318.33$373.63
American Family$224.47$252.15
Farmers$288.38$339.92
Geico$178.83$220.45
Liberty Mutual$397.86$475.11
Nationwide$228.85$259.47
Progressive$282.76$333.52
State Farm$235.10$265.50
Travelers$287.31$355.07
USAA$161.14$182.77

The national average for auto insurance rates after a speeding ticket is $1,910 annually or $159 per month. Metromile charges around $2,407 annually or $201 each month. Companies like State Farm often offer cheaper rates to individuals with speeding tickets.

How much is Metromile auto insurance after an accident?

You can expect to pay more for your car insurance coverage if you have an at-fault accident on your driving record. Most companies will charge higher rates if you have an accident on your record because of the increased risk of you filing another claim.

Average Monthly Auto Insurance Rates for Drivers with One Accident
CompanyAverage Rates with Clean RecordAverage Rates with 1 Accident
Allstate$318.33$415.64
American Family$224.47$310.23
Farmers$288.38$376.56
Geico$178.83$266.06
Liberty Mutual$397.86$517.07
Nationwide$228.85$283.08
Progressive$282.76$398.09
State Farm$235.10$283
Travelers$287.31$357.48
USAA$161.14$209.69

The national average for auto insurance after an accident is $2,180 annually or $182 per month. Metromile charges higher rates. With Metromile, you’ll pay around $2,785 annually or $232 per month with an at-fault accident on your driving record.

Your rates should decrease once the accident disappears from your record. Avoid future accidents or claims to keep a clean driving record so you can enjoy lower car insurance rates.

How much is Metromile auto insurance with a DUI?

Anyone with a DUI on their driving record should expect to pay higher-than-average rates for car insurance. If you were caught driving under the influence, insurance companies will see you as a significant risk. Some insurance companies may refuse to offer coverage.

Average Monthly Auto Insurance Rates with One DUI
CompanyAverage Monthly Rates with Clean RecordAverage Monthly Rates with 1 DUI
Allstate$318.33$521.73
American Family$224.47$360.85
Farmers$288.38$393.23
Geico$178.83$406.32
Liberty Mutual$397.86$634.46
Nationwide$228.85$378.60
Progressive$282.76$330.80
State Farm$235.10$303.07
Travelers$287.31$478.45
USAA$161.14$292.17

The national average for car insurance for someone with a DUI on their record is $2,601 annually or $217 per month. Metromile’s rates are comparable. With Metromile, you’ll pay $2,653 annually or $221 monthly for auto insurance with a DUI. Learn what a DUI is here.

A DUI can impact your car insurance rates for up to a decade, depending on where you live. You should shop for auto insurance annually to find the best auto insurance rates. You may be able to take a safe or defensive driving course to save money on rates if you have a DUI.

Is Metromile auto insurance cheap for people with bad credit?

Poor credit scores result in high auto insurance rates. Insurance companies know there’s a correlation between bad credit and a higher instance of auto insurance claims. To mitigate some of the risks involved, most insurance companies charge higher rates when people have bad credit.

Average Monthly Full Coverage Auto Insurance Rates by Credit Rating
Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit
Allstate$295.92$196.83$166.08
American Family$202.67$136.25$115.50
Farmers$269.42$160.50$139.50
Geico$148.42$99.75$82
Liberty Mutual$354.67$226$176.67
Nationwide$165.67$132.92$120.42
Progressive$205.92$137.92$109.17
State Farm$199.83$117.58$90.92
Travelers$193.58$127.83$107.25
USAA$128.75$75.83$62.75
Average$226.25$148.42$123.08

The national average for car insurance with bad credit is around $2,757 annually or $230 per month. Metromile charges this demographic around $2,960 annually or $247 per month.

One of the best ways to get cheaper rates is to improve your credit score. If you have bad credit, try to pay off your debt without accumulating any more. Over time, your credit score will improve, and you’ll be eligible for cheaper auto insurance rates.

You should shop online and compare car insurance quotes at least once a year to see which company in your area offers the coverage you want at a price that works with your budget.

How much is a minimum coverage policy with Metromile?

Metromile’s rates for minimum coverage are cheaper than its full coverage car insurance rates. Still, you may find cheaper coverage with a different company.

Average Monthly Minimum Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum
Coverage Rates
Allstate$50
American Family$48
Farmers$56
Geico$24
Liberty Mutual$64
Nationwide$49
Progressive$40
State Farm$34
Travelers$39
Average$45

The national average for minimum coverage car insurance is around $1,463 annually or $122 per month. Metromile charges around $1,782 annually or $149 per month for a liability-only car insurance policy.

A liability-only policy is cheaper, but it does not offer as much coverage as a full coverage policy with collision and comprehensive insurance. If you can afford a full coverage policy, you may want to consider it.

How much is full coverage with Metromile?

Rates for full coverage insurance are higher than minimum coverage rates because you’re paying for collision and comprehensive coverage. With Metromile, a full coverage policy also includes pet injury protection.

Average Monthly Full Coverage Rates for the Top 10 Auto Insurance Companies
Insurance CompanyAverage Full Coverage Rates
Allstate$166
American Family$116
Farmers$140
Geico$82
Liberty Mutual$177
Nationwide$120
Progressive$109
State Farm$91
Travelers$107
USAA$63
Average$123

The national average for a full coverage policy is $1,622 annually or $135 per month. Metromile charges around $2,059 annually or $172 per month for a full coverage policy.

Metromile Discounts Available

DiscountMetromile auto insurance
Anti Theft9%
Good Student11%
Low Mileage7%
Paperless5%
Safe Driver14%
Senior Driver8%

Metromile offers a few car insurance discounts that could help you pay less in monthly or annual rates. Some of the company’s discounts include:

  • Safety devices. If your vehicle has alarms or other safety equipment, you could save money on coverage with Metromile.
  • Anti-theft devices. Metromile offers discounts if your vehicle has anti-theft or vehicle-recovery devices.
  • Good driver. If you have a clean driving record with no accidents or points on your license, Metromile may offer you a discount on coverage.
  • Multi-car. You can get cheaper rates with Metromile if you insure more than one car with the company.
  • Online quote. You can get a small discount on coverage with Metromile if you buy a policy after getting a coverage quote online.
  • Paperless. If you choose paperless billing with Metromile, the company will take a small percentage off your monthly or annual premiums.

Metromile does not offer many discounts, but auto insurance discounts can help you save as much as 25% on your car insurance policy. If you are interested in purchasing car insurance with Metromile, you can call and speak with a company representative. A Metromile employee could help you learn how much you may save with specific discounts on coverage.

How Metromile Ranks Among Providers

Metromile operates in the competitive landscape of auto insurance, where several key players vie for market dominance. Understanding its main competitors provides valuable insights into the industry dynamics.

  • Progressive Corporation
  • Geico (Government Employees Insurance Company)
  • State Farm
  • Allstate Corporation
  • Nationwide Mutual Insurance Company

In the ever-evolving auto insurance market, Metromile faces robust competition from industry giants, each striving to offer innovative solutions and attract a diverse range of drivers.

Metromile Auto Insurance: The Bottom Line

Metromile offers car insurance coverage in several states in the U.S. and is one of the best auto insurance companies for people who don’t drive often. With Metromile, you pay for auto insurance based on how often you drive. So, if you drive fewer than 10,000 miles annually, you may benefit from cheaper rates with the company.

Metromile offers usage-based auto insurance, which means the company tracks its policyholders’ driving habits to discern how safe they are behind the wheel. If you do not want your car insurance company to track you while you drive, Metromile may not be a good option for you.

Before deciding on car insurance, shop online and compare quotes from several companies in your area. Comparing quotes will help you learn which companies offer the coverage you’re looking for at an affordable price.

Frequently Asked Questions

How can I get a quote from Metromile?

Metromile offers quotes on its website, or you can call the company to speak with a representative.

How can I file a claim with Metromile?

You can file a claim with Metromile on the company website or by calling (888) 595-5485. You may need to provide personal information when you call to file a claim, so have your vehicle information on hand in case you need it.

Where does Metromile offer auto insurance?

Metromile car insurance is available in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. If you live in another state, you’ll need to look elsewhere for car insurance coverage.

Do other insurance companies offer pay-per-mile insurance?

Several well-known insurance companies offer pay-per-mile auto insurance as an option. For example, Allstate offers its Milewise program, Nationwide has SmartMiles, and Liberty Mutual offers the ByMile program. In addition, many insurance companies also offer usage-based auto insurance coverage.

Before you sign up for a pay-per-mile auto insurance policy, find and compare rates with other insurance companies, so you don’t overpay for your coverage.

What is Metromile Auto Insurance?

Metromile Auto Insurance is a digital car insurance company that offers pay-per-mile insurance coverage. They use a telematics device called the Metromile Pulse to track and charge customers based on the number of miles they drive.

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Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Jeffrey Manola

Licensed Insurance Agent

Jeffrey Manola is an experienced life insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for life insurance with the most affordable term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide consumers with t...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Metromile

4.12 (150 reviews)
1
May 8, 2023

Dove

Make sure you keep all correspondence... they will cheat you

I cancelled my policy as instructed but kept getting charged. I contacted them several more times and they still did not cancel. I finally got a sensible agent who canceled my policy (finally!) but he told me that he could not refund my money even though I had canceled a month ago because he didn't like something on the declarations page of my new insurance. I challenged him on that. He then said I would have to provide proof that I canceled (e...
I cancelled my policy as instructed but kept getting charged. I contacted them several more times and they still did not cancel. I finally got a sensible agent who canceled my policy (finally!) but he told me that he could not refund my money even though I had canceled a month ago because he didn't like something on the declarations page of my new insurance. I challenged him on that. He then said I would have to provide proof that I canceled (even though he saw on his screen where I had tried to cancel and had contacted them multiple times about it). He said I was never officially canceled because I did not respond to an email?? Huh? So I found the email and proved to him that I did indeed respond. If I hadn't saved that email or missed that email they would not have not have refunded my money. Since fair is fair, I asked him what they would do for me for putting me through all of this and he said "nothing" in so many words. So if they mess up and I can't prove it, they will keep my money. But if I prove they messed up and caused me all this grief, they get off scot free. Thankfully I never had to file a claim with them (see the reviews on that).
1
April 10, 2023

TiredOfMetromile

Company has a few quirks

Metromile offers low prices if you seldom drive. But the strange thing about Metromile is that, while they put a 'Pulse' device in every insured car that transmits the GPS location while parked and records every trip, they don't appear to be certain about where your car is 'garaged'. I have 2 insured cars and one is driven by my daughter. She recently took a road trip and stopped off at her mother's house in another part of our state. This trigge...
Metromile offers low prices if you seldom drive. But the strange thing about Metromile is that, while they put a 'Pulse' device in every insured car that transmits the GPS location while parked and records every trip, they don't appear to be certain about where your car is 'garaged'. I have 2 insured cars and one is driven by my daughter. She recently took a road trip and stopped off at her mother's house in another part of our state. This triggered an email from Metromile underwriting asking for proof that I haven't moved. Customer Service was absolutely no help because 'once underwriting is triggered' the required information has to be sent in to 'prove' where I am living. So we'll be finding new insurance for both cars after this ridiculous turn of events. It does make me wonder who they would handle a claim if I were to ever submit one. Goodbye Metromile!
1
June 14, 2022

jinjo

Not enough humans work here

Insurance handled by app. If you need a human that is where the trouble begins. Not enough of them at this company. They do not answer the phone on the weekends. Example Road Assistance able to handled by app- you will be fine. Accident on the weekend that does not fit their tick boxes on the app - that is where the trouble begins. They are pleasant enough but they stretch their humans too thin to be properly responsive. So far I have been una...
Insurance handled by app. If you need a human that is where the trouble begins. Not enough of them at this company. They do not answer the phone on the weekends. Example Road Assistance able to handled by app- you will be fine. Accident on the weekend that does not fit their tick boxes on the app - that is where the trouble begins. They are pleasant enough but they stretch their humans too thin to be properly responsive. So far I have been unable to complete my claim and deal with my car due to missing humans.
1
March 8, 2022

adavisv

Terrible customer service and response rate

This is hands down the worst company i have ever had to deal with. I have been a customer for quite a while, but recently had to file a claim after hitting a pothole. I am now 3 weeks into a claim, while my car sits at the shop undriveable due to bent rims and damages tires, and the person that owns my claim has not returned a single call or email or voicemail in 3 weeks! When I call the main number, they tell me something different each time or ...
This is hands down the worst company i have ever had to deal with. I have been a customer for quite a while, but recently had to file a claim after hitting a pothole. I am now 3 weeks into a claim, while my car sits at the shop undriveable due to bent rims and damages tires, and the person that owns my claim has not returned a single call or email or voicemail in 3 weeks! When I call the main number, they tell me something different each time or blame the partner company they use to process estimates (Snapsheet). When I call Snapsheet they are actually very helpful and clear on what the issue is (spoiler alert, its Metromile). I have spent countless hours on hold or getting bounced around at Metromile, while my car sits idol at the shop simply waiting for approval to replace a few wheels and tires. One of the people I spoke with at Metromile actually told me "Well, everyone is working from home now, so its very hard to get ahold of them".
5
September 30, 2021

StephB

Not too good to be true, thankfully!

To be honest, I was nervous about switching to Metromile - it seemed to good to be true and there wasn't a ton of info online. I've worked from home for several years and don't drive a ton, so the pricing made sense. I switched a couple years ago and it's been uneventful (but great!). Last month there was a freak accident where my car roof and sunroof was damaged while sitting in my driveway. I was so anxious that the "cheap" insurance I had woul...
To be honest, I was nervous about switching to Metromile - it seemed to good to be true and there wasn't a ton of info online. I've worked from home for several years and don't drive a ton, so the pricing made sense. I switched a couple years ago and it's been uneventful (but great!). Last month there was a freak accident where my car roof and sunroof was damaged while sitting in my driveway. I was so anxious that the "cheap" insurance I had would be a pain to deal with. I couldn't have been more wrong. Metromile made the whole process SO EASY and totally painless. I had a quick phone call with the claims agent who handled everything and worked directly with the auto body repair shop of my choice. The shop also said Metromile was easy to work with. My rental car reimbursement is only $30/day so I asked if they'd reimburse me for using Lyft instead (cheaper for all parties!) and they did. I submitted my Lyft receipts and got a check in the mail within a week. I'll be a Metromile customer for life.
5
January 10, 2021

digitalmello

cheapest auto insurance

Metromile is the cheapest auto insurance. You put a tracker in your car and you pay by the mile. I don't drive a whole lot so I don't have to pay that much. It is like half the price of all the other quotes that I got from other insurance companies. It also reads the engine codes and I use the app to find where i parked
2
October 15, 2020

Thorough

Save your money from this company

Very poor claims experience. It was a straightforward claim for windshield replacement because of a rock chip. Before submitting the claim I was told that deductible was $500 and that I could go ahead and get it replaced and would be reimbursed the rest. I understand that Metromile prefers and trusts safelite but I DO NOT. I trust my dealer with the quality of new glass, so went to Seattle Mini Dealership to get it replaced. After I paid almost $...
Very poor claims experience. It was a straightforward claim for windshield replacement because of a rock chip. Before submitting the claim I was told that deductible was $500 and that I could go ahead and get it replaced and would be reimbursed the rest. I understand that Metromile prefers and trusts safelite but I DO NOT. I trust my dealer with the quality of new glass, so went to Seattle Mini Dealership to get it replaced. After I paid almost $1000 on it, I was denied any reimbursement saying that safelite quoted $550 so I will be paid according to that quote. Why? Nowhere in the policy it says that if you don’t get it replaced from safelite, you won’t get the money! This is ridiculous, very poor customer experience. I have been a customer for almost 3 years with a clean record and this is what I get in return when I file a claim for the very first time? They might have done something similar during any accident I might have gotten into. Either update the policy document that you give to the customer regarding safelite or don’t deny the claim. This is a clear fraud.
3
August 24, 2020

acumama

Not great if you have a claim

The catalytic converter was stolen from my Prius. It took 24 hours for them to come tow my car to one of their locations where evaluators can assess the loss. I've been without my car for seven days. They have not been able to tell me when I'll get my car back just so I can take it in to the shop, let alone what the assessment is. Argh!
5
May 7, 2020

sfr8

Shocking Savings

I am amazed how much money I'm saving with Metromile. I was insured with another company (think Flo) for 7 years. My car is 18 years old and insurance was ~50.00/mo. for liability only. I finally decided to get a new (used) car and got a quote from Metromile just out of curiosity. I thought something was wrong with their website when I was quoted ~45.00/mo. as a base rate for BOTH CARS. I drive anywhere from 100-200 miles per month (way less...
I am amazed how much money I'm saving with Metromile. I was insured with another company (think Flo) for 7 years. My car is 18 years old and insurance was ~50.00/mo. for liability only. I finally decided to get a new (used) car and got a quote from Metromile just out of curiosity. I thought something was wrong with their website when I was quoted ~45.00/mo. as a base rate for BOTH CARS. I drive anywhere from 100-200 miles per month (way less now because of the quarantine). Three months in, my total bill has been under $55.00 each month. Oh-- and the new car has full coverage including uninsured/underinsured BI, a $250 deductible for comprehensive and collision, $0 for glass, rental reimbursement, and roadside assistance. Old car has the same liability and roadside assistance. Other insurers have quoted me anywhere from $145-195/mo. for identical coverage. I feel like I won the insurance lottery or something. (I should say I have a spotless driving record with not even a parking ticket and credit scores in the upper 700's.) If you don't drive much, it's worth checking out. But of course, YMMV-- in this case quite literally.
5
April 28, 2020

joybran

Saved money and got great service

I wasn't driving much, so I decided to find out if I could save money with Metromile. Not only did I save over 60% on my car insurance but I got great service. My car broke down a couple of times, and the roadside assistance was great!
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