Metromile Insurance Reviews 2026

Metromile Insurance: Is it your right choice?

Metromile, a pay-per-mile car insurance company, gained some attention during the COVID-19 pandemic due to the reduced driving activity caused by lockdowns and remote work. Metromile’s model of charging based on the number of miles driven per month became more appealing to many consumers looking to save money on insurance during the pandemic.

This review highlights the advantages and disadvantages of choosing Metromile Insurance, along with customer feedback, allowing readers to decide whether it is the right insurance provider for them.

Overview

• Reviews: Google (3997), Clearsurance (148), Trustpilot (11)
• Ratings: Google (4.4), Trustpilot (2.1),  Clearsurance (4.1), Average Rating (3.5 out of 5)
• Metromile Insurance Phone Number: +1 888-242-5204
• Address: 425 Market St #700, San Francisco, CA 94105, United States

About Metromile Insurance: per mile auto insurance

Metromile is an innovative car insurance company overcoming the traditional insurance model by offering pay-per-mile insurance to drivers. Metromile Insurance, a San Francisco, California-based company founded in 2011, uses technology to customize insurance policies and lower costs for low-mileage drivers. The company has quickly gained popularity and has extended to various states throughout the U.S., intending to expand the insurance market and giving drivers a fairer, more transparent option.

Metromile customer reviews and complaints

Low pricing from insurance providers sometimes comes at the expense of other services, and Metromile is no different. According to data from the National Association of Insurance Commissioners (NAIC), the company received more than five times as many complaints as anticipated for an insurer of its size.

Metromile Insurance generally receives mixed reviews from the public. Some customers appreciate the usage-based model and the potential for cost savings, while others complain about issues with customer service and claims handling.

Customers complain about delays and claim denials despite the company’s convenient 24-hour claims processing facility. According to NAIC statistics, there were a few complaints about cancellation and billing.

How does Metromile Insurance work?

Metromile is a pay-per-mile insurance company that charges policyholders based on the number of miles they drive. Here is how it works:

Installation of a device: Metromile provides a device called the Metromile Pulse, a small device that policyholders plug into their car’s OBD-II port. The device communicates with the Metromile app on the policyholder’s smartphone and tracks the miles driven.

Base rate: The policyholder is charged a base rate, a fixed amount that covers the car when it is not being driven, such as when it is parked. This rate varies depending on the driver’s location, car type, and driving history.

Per-mile rate: Besides the base rate, the policyholder is charged a per-mile rate for every mile driven. This rate is typically lower than traditional car insurance rates, making Metromile a cost-effective option for people who drive infrequently.

Monthly bill: At the end of each month, Metromile sends the policyholder a bill that includes the base rate plus the per-mile rate for the number of miles driven that month. The bill is calculated based on the data collected by the Metromile Pulse.

Metromile insurance is a flexible and affordable option for drivers who use their cars sparingly or drive less than the average person. It offers transparency and control over insurance costs, as policy holders only pay for the miles they drive.

Save more by comparing quotes from multiple insurance agents near you.

Easy, free and secure.

Search Agents

Trusted agents working with top national companies.

Do you need to consult Metromile Insurance agents to get your per-mile auto insurance?

The process of obtaining Metromile insurance is designed to be user-friendly and can be completed entirely online. In most cases, you do not need to consult Metromile insurance agents to get pay-per-mile auto insurance. But if you want more information, then you can always reach out to independent agents. Here’s how:

Get a quote: To get started with Metromile insurance, visit their website and enter some basic information about yourself and your car. Metromile will provide you with a quote for your pay-per-mile insurance policy.

Sign up: If you are happy with the quote, you can sign up for a policy online. Metromile will ask you to provide additional information, such as your driver’s license number and payment details.

Install the Metromile Pulse: Once you have signed up for a policy, Metromile will send you a Metromile Pulse device that you can plug into your car’s OBD-II port. The device will start tracking your miles driven.

Manage your policy: You can manage your Metromile insurance policy online through the Metromile app or website. You can view your monthly bill, adjust coverage options, and file claims if necessary.

While Metromile does have a team of customer service agents that can help you with any questions or concerns, you can complete the entire process of getting pay-per-mile auto insurance without the need to speak with an agent.

Is it the right choice to get auto insurance from Metromile?

Lemonade acquired Metromile’s business assets and expertise in auto insurance, expanding its business to operate in 49 states and the District of Columbia. This signifies it is a good insurance company to consider for auto insurance.

Metromile provides a cost-effective option for people who don’t drive much and want to save money on their car insurance. Additionally, Metromile offers a range of coverage options and discounts, and a mobile app that allows customers to track their mileage, manage their policies, and file claims.

This being said, researching and comparing multiple insurance companies before deciding is always a good idea. You should consider factors such as coverage options, pricing, customer service, and reputation when choosing an auto insurance provider.

Frequently Asked Questions

• Does Metromile sell insurance worldwide?

  Metromile provides auto insurance only in a few states, namely, Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

• Does Metromile sell any other insurance?

  Metromile sells only auto insurance.

• Does Metromile record speed?

  Metromile uses a device called the Metromile Pulse to track mileage and driving behavior. The Pulse plugs into your car’s OBD-II port and collects data on your mileage, location, and driving habits, such as acceleration and braking.

Sources

Metromile

Sitejabber

Metromile News Archive

Agency Height Team

Updated on: June 18th, 2026