Metromile Car Insurance Review 2024 Metromile provides car insurance for drivers who prefer to pay according to their mileage, catering to individuals with low yearly mileage. Those who prefer in-person agent visits or do not wish to have their mileage monitored should consider other options. When it comes to car insurance, finding the right provider can feel like searching for a needle in a haystack. But fear not, because we’re here to help! In this review, we’ll take a closer look at Metromile Car Insurance and what sets them apart from the competition. From their innovative pay-per-mile pricing model to their user-friendly app, we’ll explore all the reasons why Metromile might just be the perfect fit for you in 2024. So buckle up and get ready to discover a new way to save on your car insurance.
Metromile Car Insurance Review 2024
Metromile car insurance is a popular choice for many drivers due to its unique pay-per-mile pricing structure. With Metromile, you only pay for the miles you actually drive, making it an attractive option for those who don’t drive frequently or have a short commute. The company offers a range of coverage options, including liability, collision, and comprehensive coverage, so you can customize your policy to fit your needs. In addition to its innovative pricing model, Metromile also provides a user-friendly app that allows you to track your mileage and monitor your driving habits. Overall, Metromile car insurance offers a flexible and cost-effective solution for drivers who want to save money on their premiums.
Metromile Car Insurance Pros & Cons
Metromile car insurance offers a unique pay-per-mile pricing structure, which can be a great option for individuals who don’t drive often or have a short commute. With Metromile, you only pay for the miles you drive, so if you’re someone who primarily uses public transportation or works from home, this could potentially save you money compared to traditional car insurance policies. Additionally, Metromile offers a range of coverage options and discounts, making it customizable to your specific needs. However, it’s important to note that Metromile may not be the best fit for everyone. If you have a long commute or frequently drive long distances, the per-mile pricing may end up being more expensive than a traditional policy. It’s also worth considering that Metromile’s coverage options may not be as comprehensive as some other insurance providers. As with any insurance decision, it’s important to carefully weigh the pros and cons and consider your individual driving habits and needs before making a decision.
Pros
- Good for drivers who don’t log a lot of miles and want to pay according to miles driven.
- Offers a discount if you bundle Metromile car insurance with an insurance policy from Lemonade.
- Pet injury protection is included with full coverage policies (except in Illinois and Virginia).
Cons
- Only available in eight states.
- Offers only pay-per-mile insurance, so not a good choice for those who drive a lot.
- Metromile’s level of complaints is much higher than the industry average.
- Doesn’t offer optional coverage like new car replacement, gap insurance or diminishing deductible.
- Doesn’t offer rideshare insurance for those who drive for Lyft, Uber or others.
About Metromile Car Insurance Review 2024
Metromile car insurance is a popular choice for many drivers in 2024. With its innovative pay-per-mile pricing model, Metromile offers a unique and cost-effective option for those who don’t drive frequently. This type of coverage can be especially beneficial for individuals who use public transportation or work from home. In addition to its competitive pricing, Metromile also provides a range of coverage options and benefits, including roadside assistance and a user-friendly mobile app that allows policyholders to easily monitor their mileage and manage their policies. Overall, Metromile car insurance continues to receive positive reviews in 2024 for its affordability, flexibility, and customer-friendly approach.
Metromile car insurance focuses exclusively on pay-per-mile policies. Drivers using Metromile agree to have their mileage tracked because it helps determine their car insurance costs. Lemonade purchased Metromile in 2023. Metromile policies may eventually be rebranded and transitioned to Lemonade, but currently, existing Metromile customers’ policies remain the same.
Metromile is available in eight states
- Arizona
- California
- Illinois
- New Jersey
- Oregon
- Pennsylvania
- Virginia
- Washington
How Does Metromile Car Insurance Work?
Metromile offers car insurance with a fixed base rate and a variable per-mile rate. Upon signing up, you will pay the calculated base rate for insurance. At the end of the month, you will be charged for the miles driven and the base rate for the following month. The “Metromile Pulse,” a telematics device provided by Metromile, measures the miles driven. In some states, Metromile also monitors driving behavior, including average speed, time of day, and day of the week. This information is used to assess eligibility for discounts.
How Much Does Metromile Car Insurance Cost?
Metromile car insurance expenses fluctuate based on your monthly mileage. The less you drive, the lower your monthly payment. With Metromile car insurance, your fixed monthly rate remains constant, regardless of the miles driven, and you are charged a set amount for each mile driven. For example, your monthly base rate could be $29, and the charge per mile could be $0.06.
- If you drove 500 miles in a month, your bill for that particular month would be $59, consisting of a $29 base rate + $30 for miles driven (500 x $0.06).
- If you drove 1,000 miles that month instead, your bill would be $89, comprising a $29 base rate + $60 for miles driven (1,000 x $0.06).
The daily mileage charge is limited to 250 miles per day, except in New Jersey where the limit is 150 miles. This means that you will not be billed for miles driven over these limits in a day, allowing you to take road trips without incurring a hefty bill. Metromile determines its base rate based on common factors that impact car insurance rates, including your location, driving history, claims history, coverage choices, and vehicle. You can estimate the cost of Metromile by participating in its “Ride Along” program. Through Ride Along, you can download the Metromile app, answer questions to receive a quote for your base rate, and then have the app monitor your driving for 17 days to calculate mileage. Following the trial period, you will receive an email with a comprehensive rate quote.
Auto Insurance from Metromile
Metromile offers auto insurance that is tailored to drivers who don’t use their car often. Their pay-per-mile insurance policy charges customers based on the number of miles they drive, rather than a flat rate. This program can be especially beneficial for those who work from home, take public transportation, or only use their car for occasional trips. Metromile also provides a user-friendly app that allows customers to track their mileage and monitor their driving habits.
Liability car insurance
Liability auto insurance covers medical expenses and property damage for others in case you are responsible for a car accident. It also covers legal expenses and settlements if you are sued for an accident you caused.
Uninsured and underinsured motorist coverage
Uninsured motorist insurance covers medical expenses and other costs in the event of an accident caused by a driver without auto insurance, while underinsured motorist coverage takes care of medical bills and other expenses if you are involved in an accident with a driver who does not have sufficient car insurance to cover damages and injuries.
Personal injury protection insurance
Metromile offers PIP coverage for medical expenses, lost income, and substitute services for activities you are unable to do, like childcare, in the event of an auto accident, irrespective of fault. This coverage is available only in New Jersey, Oregon, Pennsylvania, and Washington.
Medical payments coverage
Medical payments (MedPay) coverage assists in covering medical costs for injuries and other expenses incurred by you or your passengers in an auto accident, irrespective of fault.
Collision and comprehensive coverage
Collision coverage will cover the cost of repairing or replacing your vehicle in the event of a collision with another car or object, irrespective of fault. On the other hand, comprehensive coverage provides protection against theft and damage from non-collision incidents like hail, fire, floods, falling objects, vandalism, and animal collisions.
More Metromile Auto Insurance Options
Metromile offers several car insurance options apart from its standard policy. These include rental car coverage, emergency roadside assistance, and pet injury protection. Additionally, Metromile also provides glass repair and replacement coverage, which covers the cost of repairing or replacing your windshield or windows in case of damage. Another unique feature is the “smart driving” app that assists drivers in monitoring their driving habits and providing tips on how to reduce fuel consumption and improve overall efficiency.
Pet injury protection
Pet injury coverage is a crucial component of any comprehensive car insurance policy. In the event of an auto accident, this coverage pays for up to $1,000 in vet bills if your pet is injured and requires medical attention. Most insurers include this protection as part of their comprehensive and collision policies, but it’s important to note that some states like Illinois and Virginia may have different regulations. With pet injury protection, you can rest assured knowing that your furry friend will receive the care they need without worrying about the financial burden of unexpected vet bills.
Rental car reimbursement
Rental car reimbursement coverage is an add-on feature that can help offset the cost of a rental car while your vehicle is being repaired after an accident. This coverage is only applicable if you have comprehensive and collision insurance coverage, as it is designed to complement these policies. In other words, if your car is damaged in an accident that falls under the purview of your policy, you can use rental car reimbursement coverage to rent a car until your own car is fixed. This type of coverage can provide peace of mind and help keep you mobile when life throws unexpected surprises your way.
Roadside assistance
A roadside assistance plan can be an excellent investment to cover your vehicle in case of a breakdown. In addition to towing services, it can provide assistance with a flat tire, battery jumpstarts, gas delivery, and unlocking your car. Having a roadside assistance plan can provide peace of mind and save you money on unexpected expenses that may arise when driving. It is important to research different plans and providers to find the best option for your needs and budget. Some plans may also offer additional benefits such as trip interruption coverage or rental car reimbursement.
Zero deductible glass coverage
Metromile offers a range of coverage options for vehicle glass replacement, including a $0 deductible option in some states. Even if you don’t choose the no-deductible coverage, they will waive your comprehensive deductible if the glass needs to be repaired instead of replaced. This can help reduce the out-of-pocket expense for customers who need to have their vehicle’s glass repaired or replaced. With Metromile, you can have peace of mind knowing that your auto insurance policy has got you covered in case of any unforeseen events related to your vehicle’s glass.
Is Metromile Good?
Metromile is a car insurance company that offers pay-per-mile insurance coverage. This unique approach to car insurance has garnered attention and sparked curiosity among drivers. So, is Metromile good? Well, it depends on your driving habits and needs. If you are someone who drives infrequently or for short distances, then Metromile can be a cost-effective option for you. You only pay for the miles you drive, which can result in significant savings compared to traditional car insurance policies. However, if you are a frequent driver or have a long commute, Metromile may not be the most economical choice. It’s important to evaluate your driving patterns and compare different insurance options to determine what works best for you. Additionally, consider factors such as customer reviews, coverage options, and customer service when making your decision about Metromile car insurance.
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Does Metromile Offer Accident Forgiveness?
Metromile does not provide accident forgiveness, which is an optional coverage offered by some companies to prevent car insurance rates from increasing after an at-fault accident.
Does Metromile Offer New Car Replacement?
Metromile does not provide new car replacement insurance, which typically covers the cost of a new car similar to the make and model of your current vehicle in the event of a covered problem, rather than its depreciated value, within the first few years of purchase.
Does Metromile Offer Gap Insurance?
Metromile provides gap insurance known as loan/lease payoff coverage, which is beneficial when the amount you owe on your car exceeds its value. This insurance covers the disparity between your remaining car loan balance and the amount paid by your insurance company in the event of a covered total loss.
Does Metromile Offer a Diminishing Deductible?
Metromile does not provide a diminishing deductible feature. Your car insurance deductible is the amount that your insurer will deduct from an insurance check for a collision or comprehensive insurance claim. A diminishing deductible is a policy feature that reduces your deductible by a certain amount each year if you maintain a clean driving record and avoid accidents. You have the option to select your policy’s deductible, and if you choose a higher deductible, your monthly payment will generally be lower.
Does Metromile Offer SR-22s?
If you live in California or Virginia, Metromile might be able to assist with filing an SR-22 for you. Metromile does not offer SR-22s in any other states. The SR-22 is necessary for high-risk drivers and must be filed by your insurance provider. It confirms that you have the minimum auto insurance required by your state.
Does Metromile Offer Usage-Based Insurance?
A Metromile pay-per-mile policy may include usage-based auto insurance, which varies based on the policyholder’s location. Metromile tracks miles driven and, in certain states, assesses the “quality” of the driving. In Arizona, Illinois, Oregon, and Virginia, factors such as average speed, time of day, and day of the week are considered. In Virginia, the time spent per trip is also evaluated. Metromile suggests that good driving habits could lead to savings on car insurance premiums. However, driving behaviors are not taken into account for rate determination in states other than those mentioned.
Does Metromile Offer Pay-Per-Mile Insurance?
Metromile is focused on providing car insurance based on the number of miles driven. All customers of Metromile are required to utilize the company’s pay-per-mile model when purchasing a car insurance policy.
Does Metromile Offer Rideshare Insurance?
Metromile does not provide rideshare car insurance for individuals who work for Uber or similar services.
Metromile’s Auto Insurance Discounts
Metromile offers car insurance discounts, including the following, to help reduce your auto insurance costs, with the primary method being driving fewer miles. (Availability varies by state.)
- Accident-free discount. You may receive a discount if you’ve been without accidents for at least five years.
- Anti-theft devices. Installing an anti-theft device can earn you a discount.
- Bundling discount. If you have insurance for your home, renters, pet, or life, you are eligible for an insurance bundling discount with Lemonade, as Metromile is affiliated with Lemonade.
- Claim-free discount. This is for customers who have five years without an at-fault car accident.
- Continuous insurance discount. You can earn a discount if you’ve been continuously covered with car insurance before joining Metromile.
- Full coverage discount. This discount applies when you carry collision coverage on your vehicle.
- Homeowner discount. Savings on your car insurance policy if you own a house, mobile home or condo.
- Multi-car discount. If you insure two or more cars with Metromile, you’ll save money on each vehicle’s base and per-mile rates.
- Paperless discount. Agree to receive policy documents electronically and save them.
- Safe driver discount. Metromile offers reduced rates if you demonstrate safe driving behaviors in some states.
- Senior safe driver discount. For mature drivers age 55 or older who successfully complete an approved safe driver program.
Auto Insurance Complaints Against Metromile
According to complaints made to state insurance departments across the U.S., Metromile has a significantly higher level of auto insurance complaints compared to other large insurers. The company’s complaints are three times higher than the industry average, with most related to claim delays, claim denials, and premiums. It is essential for consumers to research and compare different insurance providers before selecting one that best suits their needs. This can help avoid potential issues with claims and ensure that they are adequately covered in case of an accident or other unforeseen circumstances.
Other Types of Insurance from Metromile
Metromile focuses on providing pay-per-mile car insurance exclusively and does not provide other insurance types. In 2022, Lemonade acquired Metromile. Lemonade offers renters, home, pet, life insurance, and usage-based auto insurance. If you purchase insurance, like Lemonade pet insurance, you can combine it with your Metromile car insurance to receive a multi-policy discount.
Metromile’s Mobile App
Metromile’s app usage is optional since the device connected to your car tracks your mileage. You can access your driving data through Metromile’s online dashboard using your account login. Nevertheless, the Metromile smartphone app offers useful features.
- Access your digital insurance card.
- Make changes to your policy.
- Review trips taken (see route taken, miles driven, time spent and fuel economy).
- Call roadside assistance (if you purchased it as part of your policy).
- File a claim.
- Be notified of possible issues with your car (through error code alerts and the ability to see what the code means).
- Find your parked car.
- Receive street sweeping alerts to help you avoid tickets. (Available in Chicago, Los Angeles, San Diego, San Francisco, Santa Monica and West Hollywood.)
Summary
We score Metromile 7.4 out of 10.0 overall based on its industry standing, availability, coverage, cost and customer experience. The car insurance company can help some drivers save money, but it’s only available in eight states and doesn’t have the best industry ratings. Metromile car insurance offers a unique and innovative approach to car insurance, providing coverage based on the number of miles driven. With their pay-per-mile model, drivers have the opportunity to save money on their premiums if they don’t drive frequently. This can be especially beneficial for individuals who work from home or have a short commute. However, it’s important to consider your driving habits and mileage before deciding if Metromile is the right insurance provider for you. By taking the time to compare different insurance options and considering your specific needs, you can make an informed decision about which car insurance provider is best suited for you.
Metromile Insurance Ratings
| Overall Rating | 7.4 |
|---|---|
| Industry Standing | 5.9 |
| Availability | 10.0 |
| Coverage | 8.3 |
| Cost and Discounts | 6.2 |
| Customer Experience | 8.1 |
Faqs 2024 Metromile Car Insurance Review
Is Metromile really cheaper?
How cheap Metromile is depends on your mileage. Metromile is cheapest for drivers who put fewer than 7,500 miles on their cars per year or 625 miles per month. If you drive over 10,000 miles per year, Metromile may not be cheaper than other options for you.
Does the Metromile device drain the car battery?
The Metromile Pulse device requires a small amount of electrical energy from your car’s battery to work. According to Metromile, this should not affect the performance of your car’s battery. If you notice an issue, the battery or the Pulse device may not be working properly.
Does Metromile sell data?
Metromile doesn’t sell your personal data to third parties for marketing purposes. The company does use internal driving data to improve its claims assessment and risk management systems.
What happens if I unplug the Metromile device?
The Metromile Pulse device needs to be plugged in at all times to track your mileage and maintain coverage. You can unplug it during emissions tests and repairs, but you’ll receive alerts when it’s unplugged.
Is Metromile a legit company?
Yes, Metromile is a legitimate car insurance company that sells policies based on a pay-per-mile scale. Metromile is owned by Lemonade and serves eight states with basic types of coverage, such as liability insurance, uninsured motorist coverage and collision and comprehensive insurance. It has few add-on products.
Does Metromile have accident forgiveness?
No, Metromile does not offer accident forgiveness. Accident forgiveness is an optional coverage offered by some companies that keeps your car insurance rates from rising after an at-fault accident.
