Is Metromile Roadside Assistance Worth It?

Metromile roadside assistance offers basic towing and labor coverage for pay-per-mile insurance customers.
Written by Mary Alice Morris
Reviewed by Jessica Barrett
If you have full coverage
car insurance
with Metromile, you can add 24/7 roadside assistance to your policy starting at $60 per year. The coverage is only available in the eight states where Metromile insurance operates.
  • Metromile provides roadside assistance coverage that covers the basics, like flat tires and lockouts.
  • It’s not the least expensive roadside assistance coverage, but it falls within the average range for other providers. 
  • Your coverage with Metromile is pay-per-mile, which means your monthly rates could vary.

What does Metromile roadside assistance cover?

Before you sign up for Metromile roadside assistance coverage, you’ll want an idea of what it does and doesn’t cover. Here’s what you’ll get:
  • Towing services: If your car is stranded and needs a mechanical diagnosis or services that can’t be done on the roadside, Metromile roadside assistance will have your vehicle towed to a repair shop. The towing distance covered by your policy can vary by contract, so you’ll want to make sure you know the specific towing limits established in your policy.
  • Battery jump starts: If your battery dies, Metromile will send someone with a set of
    jumper cables to help
    start your car. 
  • Emergency gas delivery: Have faulty
    gas gauge
    ? If you lose track of your mileage and run out of gas on the road, Metromile will send someone out with an emergency supply of fuel to get you going again. 
  • Locksmith services: If the keys end up locked inside your car, they’ll send a locksmith out to get your car open again. However, they can not provide you with a replacement key if you lost yours. 
  • Flat tire assistance: If you don’t know how to do your own
    tire change
    or you simply don’t want to, Metromile can send someone to help you put on a spare if you get a flat.
Metromile roadside assistance won’t cover:
  • Tire delivery: If you have a flat and don’t have a spare, you’ll need to pay for tire delivery. 
  • Providing replacement parts: If you need something like a new key, a new tire, or any sort of replacement parts, you’ll have to pay for those yourself. Metromile will not provide them. 
  • Loaned batteries: If your battery is dead beyond the capabilities of a jumpstart, you’ll have to buy a new one. Metromile will not lend you one. 
  • Major repairs: When your car needs mechanical work done, you’ll be responsible for the costs. Metromile roadside assistance does not cover major repairs.
Metromile’s roadside assistance coverage will only apply to vehicles included in your policy—it will not cover roadside assistance for other vehicles, even if you’re the driver or a passenger in the car.
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How to use Metromile’s roadside assistance program

Roadside assistance is coverage you hope you’ll never need—but if you find yourself broken down or facing a flat tire, you can call their roadside assistance claim hotline at 1-800-983-3400.
You can also put in a request for roadside assistance via the
Metromile Online Dashboard
or through the Metromile app. Any of these three methods will grant you 24/7 access to the provider’s roadside assistance program.
Note that you do not need to file a roadside assistance claim if you’re involved in a collision. In this case, your collision insurance should cover vehicle towing and repairs. If the other driver is at fault, their
liability coverage
should take care of the expenses.

How much does Metromile roadside assistance cost?

When you add roadside assistance coverage to your Metromile policy, you’ll pay about $5 to $7 more per month or $60 to $84 more per year.
Metromile’s rates fall squarely in the middle of average
towing and labor coverage
costs for other providers. Typically, roadside assistance costs around $15 and $150 per year. While some providers, like
GEICO
, offer more affordable roadside assistance coverage, you might pay more than you would with Metromile’s pay-per-mile coverage.
On the other hand,
AAA membership
starts at $59.99 per year and includes some added benefits that Metromile coverage doesn’t.

Metromile roadside assistance vs. AAA

Even though their costs are similar, Metromile’s roadside assistance coverage is not as comprehensive as AAA’s.
AAA membership includes many of the basic expected services that you would also get with Metromile, including battery jumps, flat tire assistance, and towing. But unlike Metromile, your AAA membership applies to any vehicle you’re traveling in—whether it belongs to you or not.
AAA membership also offers additional benefits, including:
  • Car rental discounts
  • Free Hertz Gold membership
  • Free identity theft prevention and credit monitoring
  • Access to rewards and discounts for hotels, dining
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FAQs

Metromile is a legitimate insurance company, but it’s not available in every state. Metromile provides pay-per-mile car insurance coverage, which might be a good option for car owners who don’t drive much.
To benefit from Metromile’s pay-per-mile rates, you’ll need a telematics device that monitors your driving habits via the vehicle’s diagnostic port. Metromile will gain access to your mileage, rates of speed, driving times, and other driving data.
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