Mile Auto Insurance Review [2024]

Discover how infrequent drivers can save on car insurance through our comprehensive Mile Auto insurance review, highlighting the company's tailored approach and its strengths in catering to low-mileage drivers.

UPDATED: Dec 14, 2023Fact Checked

Angie Watts

Licensed Real Estate Agent

Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...

Licensed Real Estate Agent

Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

UPDATED: Dec 14, 2023

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: Dec 14, 2023

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: Dec 14, 2023Fact Checked
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Mile Auto

Average monthly rate for good drivers:

$40

A.M. Best rating:

NA

Complaint level:

Low

Pros

  • People who drive less than 10,000 miles annually usually save with Mile Auto compared to a traditional car insurance company.
  • Mile Auto’s underwriter, Spinnaker Insurance, has a strong financial rating from A.M. Best.
  • Mile Auto doesn’t require customers to install a tracking device in the car to track mileage, only take a picture of the odometer reading each month.

Cons

  • Mile Auto only sells insurance in Arizona, California, Georgia, Illinois, Ohio, Oregon, Pennsylvania, Tennessee, and Texas.
  • Mile Auto only offers basic car insurance coverage and has no discounts due to its cheap rates.
  • Mile Auto has very limited online information about its products and services, meaning you will have to call or email to find out more information.

Final Verdict: Review of Mile Auto

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. 

What You Should Know About Mile Auto

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 Insurance 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. 

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Mile Auto Insurance Rates Breakdown

Driver ProfileMile AutoNational Average
Clean Record$128$119
1+ Ticket$156$147
1+ Accident$182$173
DUI$218$209
Poor Credit$220$205

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

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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. 

Mile Auto Discounts Available

DiscountMile
Anti Theft9%
Good Student14%
Low Mileage8%
Paperless11%
Safe Driver16%
Senior Driver7%

When it comes to Mile Auto Insurance, they understand the value of rewarding their customers. Here are some of the notable discounts they offer:

  • Safe Driver Discounts: Rewarding those who maintain a clean driving record without any accidents or violations.
  • Multi-Policy Discounts: Offering discounts for customers who bundle multiple insurance policies, such as auto and home insurance, with Mile Auto Insurance.
  • Good Student Discounts: Acknowledging the dedication of young drivers who maintain good grades in school.
  • Low Mileage Discounts: Offering reduced rates for individuals who drive fewer miles, promoting environmentally friendly and cautious driving habits.
  • Vehicle Safety Feature Discounts: Providing discounts for vehicles equipped with advanced safety features like anti-lock brakes, airbags, or anti-theft devices.
  • Senior Discounts: Catering to the needs of senior drivers by offering specific discounts tailored to their circumstances.
  • Payment Discounts: Providing incentives for customers who opt for electronic payment methods or pay their premiums in full upfront.
  • Affinity Group Discounts: Offering discounts to members of certain organizations or groups that have partnered with Mile Auto Insurance.

These discounts serve as a testament to Mile Auto Insurance’s commitment to providing cost-effective solutions and recognizing responsible driving habits and customer loyalty.

How Mile Auto Ranks Among Providers

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

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.

How does Mile Auto Insurance work?

Mile Auto Insurance uses a device called a telematics device or a mobile app to track the number of miles driven by the insured vehicle. The device collects data on mileage and other driving factors, such as speed and braking. Based on the collected data, Mile Auto Insurance calculates premiums, charging policyholders a base rate and an additional cost per mile driven.

Does Mile Auto offer roadside assistance or additional services?

Mile Auto’s focus is on providing pay-per-mile insurance, and it does not typically offer additional services like roadside assistance as part of its coverage.

Is Mile Auto available nationwide or limited to specific states?

Currently, Mile Auto’s availability is limited and not sold in many states. It’s essential to check whether the company operates in your state before considering it as an insurance option.

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Angie Watts

Licensed Real Estate Agent

Angie Watts is a licensed real estate agent with Florida Executive Realty. Specializing in residential properties since 2015, Angie is a real estate writer who published a book educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can have a stress-free shopping and/or selling process. She has studi...

Licensed Real Estate Agent

Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

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.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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