How Metromile Insurance compares to other insurance companies
Metromile Insurance bases your insurance premium on the number of miles you drive. To determine how many miles you've driven, the company issues all drivers a Metromile Pulse device, which plugs into the OBD-II port on your vehicle to give it access your mileage and other vehicle information.
Starting with a base monthly rate, Metromile charges you a per-mile rate. Adding your base rate to your monthly mileage total gives you what you pay per month in premiums. Your premiums are adjusted according to several factors, such as your age, the type of vehicle you drive, and your overall driving history.
Types of car insurance provided by Metromile Insurance
Metromile offers standard car insurance to its customers, including the following insurance types:
Coverage options provided by Metromile Insurance
In addition to standard car insurance, Metromile also offers a couple of optional insurance coverage options. These coverage options from Metromile include:
Discounts you can get through Metromile Insurance
To keep insurance premiums low, Metromile also offers a variety of discounts, including:
States in which you can find Metromile Insurance
As a relatively small company, Metromile Insurance operates exclusively in the following states:
Available Metromile Insurance apps
The Better Business Bureau (BBB) and A.M. Best ratings for Metromile Insurance
While Metromile Insurance is a young company, it seems to be on the path to bringing affordable insurance through its pay-per-mile model to customers in its operating areas. With plans to expand into other states, Metromile seeks to bring standard insurance to low-mileage drivers who don't want to subsidize the driving habits of high-mileage drivers.