Metromile Auto Insurance Review

Founded in 2011, Metromile is a company that offers pay-per-mile auto insurance. To accurately gauge how many miles you drive and to price your coverage accordingly, Metromile uses a device called the Pulse.

If you drive under 10,000 miles per year, the company says you could save hundreds of dollars compared to what you’d pay with traditional auto insurance providers. Through Metromile, you can secure Liability Coverage, Vehicle Coverage, Medical Coverage, and a wide array of other optional coverages. Metromile is available in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

To learn more about Metromile and the services it offers, be sure to keep reading.

Pros and Cons of Metromile



What Does Metromile Offer?

In a nutshell, Metromile offers auto insurance tailored to how much you actually drive. What that means is that, unlike traditional insurance companies that charge you a flat monthly fee to keep your insurance, Metromile only charges you based on the number of miles you actually drive in any given billing period.

To accurately gauge the number of miles you drive on a regular basis, you’re provided with a device called the Pulse, which needs to be plugged into your car whenever you drive. This device is removable, though, which means that it isn’t a problem when doing maintenance or tune-ups on your car.

Metromile provides a variety of auto coverage, including:

Liability Coverage: Coverage for injuries or damage to someone else’s property where you are determined to be at fault.

Vehicle Coverage: Coverage for damage, theft, and vandalism of your personal vehicle.

Medical Coverage: Coverage for damage, theft, and vandalism of your personal vehicle.

Through their wide selection of both primary and optional types of coverage, there’s a good chance that you can find the kind of coverage you need through Metromile.

It should also be noted that you can customize what information is recorded and stored on your Pulse device when attached to your vehicle. For example, while the device has a GPS unit that can track location-based data, you can turn off the recording of this data at any time. You can also request a downloadable CSV file containing all of your collected data via the company’s online dashboard.

Metromile’s app offers additional features. You can use the app to check your Pulse-recorded mileage, documentation, and how much you’ve paid for specific trips you’ve taken. The app can even help you find your parked car, alert you to active street sweeping, help you avoid tickets, and tell you what your check engine light means (if/when it comes on).

What To Expect on the Site

When you head to the Metromile website, enter your ZIP code and click on the “Get Quote” button. You’ll then be taken through a brief series of questions, including:

To get an even more accurate quote, you can download the app and let it track your driving for 17 days. From the homepage of the Metromile website, click on “Try Ride Along” to get started. You’ll be asked a few questions in the app, and Metromile will count your miles before giving you a quote.

When it comes to reporting a claim, you can file on their website for convenience. However, you don’t have to do this online. You also have the option to file claims over the phone if you prefer.


As already mentioned, Metromile’s X-factor is the way it structures its pricing. Instead of billing you a flat rate every month regardless of how much you actually used your vehicle, you’ll pay less if you drive less. Your monthly bill is a combination of two things: your base rate and your per-mile rate.

Both rates are determined based on factors like driver history, type of vehicle, and length of prior insurance. These are just a few of the factors that can affect auto insurance rates. The beauty of this pricing structure is that if you don’t drive any miles in a given billing period, you’ll only be charged your base rate. Metromile also guarantees that your rates won’t change within the first six months of being with them.

Metromile car insurance discounts vary by state. Depending on your location, you may get a discount for things like insuring multiple cars, installing an anti-theft device, and being a safe driver.

The Bottom Line

Metromile’s billing model truly sets it apart from many car insurance companies on the market. In short: The less you drive, the less you pay. As you consider top auto insurance providers, we think Metromile could be an especially great option for those who don’t drive a lot.