program from Allstate that tracks your miles and driving behaviors. Milewise helps low-mileage drivers save money by offering an affordable daily rate and per-mile rate.

Is Allstate Milewise worth it?

Allstate Milewise is a good option for

low-mileage drivers

, including:

People who stay at home with their children

Retirees or employees who work part time

People who use public transportation to commute or who have a short commute in the car

Folks who live close to their workplace or work from home

If you drive your vehicle a lot and have a higher annual mileage, you should sign your vehicle up for the Unlimited option. This way you’ll only pay the daily rate and won’t have to worry about the per-mile rate, even if you put a lot of miles on your car.

It might not be worth signing up for Milewise if you:

Don’t like your data being tracked

Are not interested in using the mobile app for information about your driving patterns

Are a high-mileage driver

Milewise is also only offered in certain states, so it isn’t an option for everyone.

The Milewise program is available in the following states:
AZ
,
DE
,
ID
,
IL
,
ID
,
MD
,
MN
,
MT
,
OH
,
OK
,
OR
,
PA
,
SC
,
VA
,
WA
,
WI
,
WV

How other pay-per-mile programs compare to Allstate Milewise

A few auto insurance companies offer pay-per-mile programs that are similar to Allstate Milewise. Here’s how they compare to Milewise:

Pay-per-mile program	How it tracks	Rate	Available in these states
Allstate Milewise	Tracks your mileage using a plug-in device in your car.	Pay-per-mile: daily base rate + per-mile rate Unlimited: daily rate only	AZ , DE , ID , IL , IN , MD , MN , MO , NJ , OH , OK , OR , PA , SC , VA , WA , WI , WV
Metromile	Tracks your mileage using a plug-in device in your car	Monthly base rate + per-mile rate	AZ , CA , IL , NJ , OR , PA , VA , WA
Mile Auto	You send a photo of your odometer to Mile Auto every month.	Monthly base rate + per-mile rate	AZ , CA , GA , IL , OH , OR , PA , TN , TX
Nationwide SmartMiles	Tracks your mileage using a plug-in device in your car. Certain Ford and Lincoln connected cars can track your mileage without the device.	Monthly base rate + per-mile rate	AK, HI, LA , NY , NC , OK

What is Allstate Milewise?

Allstate Milewise is a pay-per-mile program that offers the same insurance coverage as an Allstate Insurance traditional policy. Pay-per-mile car insurance, also called pay-as-you-go car insurance, will usually result in you paying a different insurance premium amount every month since your rate is based on how many miles you drive.

Milewise also tracks your driving behavior, which can impact your insurance rates in certain states.

Your rates might increase or decrease based on your driving behaviors if you are an Allstate customer driving in:
AZ
,
MN
,
MT
,
OK
,
PA
,
SC
,
WI

You can avoid fluctuations in your rates in these states by not driving over 80 mph, avoiding sudden braking, and choosing not to drive between 11 PM and 4 AM.

How does Allstate Milewise work?

When you sign up for Allstate Milewise, you’ll receive your Milewise device in the mail. The device, which plugs into your vehicle’s diagnostic port (usually located under the steering column), tracks how much you drive to calculate your pay–per-mile rate. It will also store data, like your trip info.

How are Milewise rates calculated?

Milewise customers pay an average of $41 per month for car insurance.

You’ll pay a standard daily rate in addition to a per-mile rate. For instance, if your daily rate is $1.50 and your per-mile rate is 6¢, if you drive 12 miles in one day (6¢ x 12=72¢), you’ll pay a total of $2.22 ($1.50 + 72¢) for one day.

Milewise customers can choose from two payment options:

Pay-Per-Mile vehicle option: You’ll pay a daily rate plus the per-mile rate.

Unlimited vehicle option: You’ll only pay a daily rate and the number of miles you drive will not matter.

It’s also possible to sign up for a combination of both options.

Allstate Milewise app features

Drivers who use Milewise can use the Allstate Mobile App to access the following features:

View your auto insurance policy: You can check out your Milewise policy, account balance, and the number of miles you have driven. You can also look at your safe driving status.

Budget and insurance costs: You can view your budget and how much you have spent for the week. You can also set financial and driving goals.

Trip history: You can view all of the trips you have taken.

Driving feedback: You can receive driving feedback and look at maps.

Driving habits: You can check out your braking and speeding stats along with what times of day you typically drive.

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FAQ

What is the difference between Allstate Milewise and Allstate Drivewise?

Allstate Drivewise

is a telematics program that tracks policyholders’ driving patterns and may give them discounts if they are safe drivers. Allstate Milewise, on the other hand, is a pay-per-mile program that can offer big savings for low-mileage drivers.

Does Allstate Milewise use my driving record to determine my rates?

Allstate will use factors such as driving record, location, age, vehicle details, and more to determine your car insurance rates when you sign up for Milewise.

Meet our experts

Hillary Kobayashi

Hillary Kobayashi is an insurance writer and editor specializing in insurance and finance topics. Hillary’s mission is to use her knowledge and love of education to help car owners better understand how they can save time and money on car ownership. The articles Hillary has published for Jerry span topics from state-specific bill of sale requirements to SR-22 insurance information.

Prior to joining Jerry, Hillary spent over ten years in education at Pacific University and the University of Oregon.

Sarah Gray

Licensed Insurance Agent — Expert Insurance Writer and Editor

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.

Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.