UPDATED: Jan 12, 2023

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UPDATED: Jan 12, 2023Fact Checked

The Bottom Line

Mile Auto car insurance is worth looking into if you don’t drive frequently. The less you drive, the more you save, so your monthly bill will fluctuate based on your driving that month. 

The downsides of Mile Auto are that it only offers basic coverages, isn’t sold in very many states, and hasn’t grown enough to be rated by major sites. 

If you want to compare Mile Auto’s rates to other insurance companies, use our free quote comparison tool to find your area’s best auto insurance rates. 

Mile Auto was founded in 2010 as a pay-per-mile insurance program designed to save drivers money compared to traditional car insurance companies. Mile Auto is still relatively unknown as it is a small company that only sells in a few states. 

However, Mile doesn’t require a tracking device in your vehicle, which is good for those who don’t want their data shared. The basic coverages it offers are also usually adequate for most drivers who are rarely on the road, and the savings can be hundreds of dollars each year. 

To contact Mile Auto, you can email an agent through the website’s email portal or call the company:

  • Claims number: 888-645-3001 
  • Customer service number: 888-645-3001 

The Mile Auto claim number is available 24/7, and its customer service number is available Monday through Friday from 9 a.m. to 6 p.m. 

Mile Auto Reviews and Ratings

It is always important to research a car insurance company’s ratings and reviews, especially when it’s a smaller company like Mile.

The most important aspects to check are a company’s customer service reviews, complaint ratios, and financial ratings. We go over each of these aspects in-depth below. 

Mile Auto Customer Service 

Because Mile is such a small company that only sells insurance in a few states, it only has a limited number of reviews online and isn’t reviewed by major names yet. 

For example, it isn’t yet rated on customer satisfaction and claim satisfaction sites like J.D. Power, as it isn’t yet large enough to merit a rating among big-name companies like Geico or State Farm. 

As Mile Auto grows its customer base and expands into other states, you may see more customer reviews and ratings crop up online.

Mile Auto Complaints 

Mile Auto is not Better Business Bureau (BBB) accredited, but it’s only had a total of seven complaints closed on BBB within the last three years. This isn’t bad at all. 

However, Mile doesn’t have a complaint ratio rating from the National Association of Insurance Commissioners (NAIC), which is the best indicator of a company’s customer service. 

As Mile Auto continues to grow and more data is collected, it may have a rating on NAIC in the future. 

Mile Auto A.M. Best Rating 

Mile Auto is not yet rated by A.M. Best, a leading rating agency that rates the financial strength of companies. However, Mile Auto states that the national insurance company that underwrites its policy has an excellent rating on A.M. Best underwrites its policies. 

This company isn’t stated on Mile Auto’s website, but it is Spinnaker Insurance. This company does have a strong financial rating of A-, but it also has a high complaint ratio on NAIC. 

Is Mile Auto a Good Choice?

Mile Auto is one of the few companies exclusively selling pay-per-mile car insurance. Pay-as-you-go auto insurance is for low-mileage drivers who want to save money on their policies. 

If you are considering Mile Auto as a car insurance company for cheap auto insurance, first read our Mile Auto auto insurance review. 

We will go over all the pros and cons of Mile Auto, from its average rates and discounts to its customer complaints. Read on to learn all the essential details of Mile Auto. 

Mile Auto Rates

Mile Auto boasts that most drivers can save 30%-40% by switching to its pay-per-mile insurance. Mile Auto works by charging a per-mile rate and flat rate that is calculated based on a driver’s driving record, demographics, and coverage needs. 

For example, a driver’s base rate might be $40 per month with a $0.07 per mile rate. If that driver drives 200 miles in a month, their monthly rate for car insurance would only be $54.  

Of course, this is just an example to show you how Mile calculates its rates each month. Keep in mind that rates will change based on your age, driving record, and more. However, this example of pay-per-mile insurance should give you a good idea of what you might pay at Mile Auto. 

If you want to see your exact rate at Mile Auto, you can always get a free quote. 

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Mile Auto Discounts Available

Mile Auto does not offer any discounts to drivers. So even if you’re a safe driver or have safety features on your car, you won’t be able to find discounts at Mile Auto. 

However, this lack of discounts is due to the fact that Mile Auto already offers heavily discounted rates with its pay-per-mile approach. Therefore, most drivers will still find significant savings at Mile compared to traditional insurance companies with a long list of discounts.

Mile Auto Coverage Options

Mile doesn’t offer as wide a range of car insurance policies as other companies. However, it offers adequate coverage for drivers who only drive occasionally. 

The full list of auto insurance coverages provided by Mile Auto is as follows: 

  • Bodily injury liability insurance. If you cause an accident that injures someone else, bodily injury liability insurance will pay for their medical bills up to the policy limit. 
  • Property damage liability insurance. If you cause an accident that damages someone else’s car or property, property damage liability insurance will pay for their repair bills up to the policy limit. 
  • Collision auto insurance. If you collide with another vehicle or object, collision insurance will pay for your vehicle’s repairs up to the policy limit. 
  • Comprehensive auto insurance. If you crash into an animal or your car is damaged by crime, weather, or falling objects, comprehensive insurance will pay for your vehicle’s repairs up to the policy limit. 
  • Roadside assistance. Roadside assistance will help you with several common issues, such as jumpstarting dead batteries or opening up a locked car.  
  • Rental car reimbursement insurance. If your car is in the shop for an extended period after a covered claim, rental car reimbursement will help cover daily rental costs while yours is repaired. 

Mile offers different policy and deductible limits, so you can customize your coverage to fit your needs. Read our guide to the top full-coverage auto insurance to learn more about full-coverage insurance. 

Mile Auto vs. Competitors

So how does Mile Auto compare to other usage-based insurance companies? Only a few other companies offer pay-per-mile or usage-based insurance, so we want to give you a general idea of how these programs compare. 

Take a look at the table below to see how Mile Auto compares to other major pay-per-mile programs: 

Average Annual Telematic Insurance Rates by Company
Insurance CompanyProgramDeviceUnemployed Annual RatesEarned Savings (Up to)Potential Savings
AAAAAADriveMobile App$16530%$115
AllstateDrivewiseMobile App$16525%$123
American FamilyKnowYourDrivePlug-in$16540%$99
EsuranceDriveSenseMobile App$16530%$115
Liberty Mutual/SafeCoRightTrackMobile App or Plug-in$16530%$115
MetLifeMy JourneyPlug-in$16530%$115
NationwideSmartRidePlug-in$16540%$99
ProgressiveSnapshotMobile App or Plug-in$16520%$132
Mile AutoMile AutoNeither$16540%$99
State FarmDrive Safe & SaveMobile App or Plug-in$16550%$83
The HartfordTrueLanePlug-in$16525%$123
TravelersIntelliDriveMobile App$16530%$115
MetromileMetromileMobile App$16560%$66
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Mile Auto is one of the few companies that doesn’t use a plug-in tracking device. While you will have to take an odometer picture each month to submit, it won’t track your data like other pay-per-mile insurance companies. 

The downside of Mile Auto is that it isn’t as well-established as programs like Allstate Milewise or Nationwide SmartMiles, which are backed by accredited companies that sell coverage in multiple states. 

Frequently Asked Questions

How much does Mile Auto insurance cost?

Generally, you can expect your monthly Mile Auto car insurance cost to be less than $100. Your Mile Auto insurance quotes will ultimately depend upon your personal coverage needs, demographics, driving record, and how much you drive each month.

Is Mile Auto cheap?

Mile Auto is cheap as it is a pay-per-mile car insurance company. However, it won’t be cheap if you drive more than 10,000 miles per year, as you’ll end up paying the same as for a traditional car insurance policy.

Does Mile Auto have maximum mile charges daily?

No, Mile Auto does not have maximum mile charges. Other car insurance companies with pay-per-mile programs usually have a daily cap of 200 miles, which means you won’t be charged for more than 200 miles if you go on an occasional long trip. You should contact a Mile Auto agent if you’re planning a road trip.

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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 Reviews.com.

Full Bio →

Written by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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 Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker