Metromile’s full coverage insurance works the same way as traditional car insurance does. But rather than a set fee, you pay per mile driven. If you don't get behind the wheel often but still want to be sure you and your car are fully protected, Metromile could be a very smart and affordable option.
Metromile was founded in 2011 and differs from other car companies in that it charges a small base fee plus a set amount per mile driven for its policies. The coverage itself works exactly the same as any other company’s would, and if you don’t drive very much, it can be a great option for cheap car insurance
. But just because you don’t drive a lot doesn’t mean that you should skimp on your car insurance
! A full coverage policy from Metromile is not only an affordable option, but it can also save you a lot of money and stress in the event of a car accident or other unfortunate events. Let’s take a look and see what Metromile has to offer. What does Metromile full coverage insurance cover?
To start with, it’s important to know there isn’t a single or official definition of full coverage
insurance. Generally speaking, full coverage insurance from Metromile will have, at minimum, these three types of policies: Collision insurance:
Metromile’s collision insurance works the same way as other insurance companies' policies do—it pays for damages to your car caused by any collision, no matter who was at fault. Comprehensive insurance:
Comprehensive insurance covers damages and losses caused by a wide variety of events. Theft, vandalism, fires, weather damage, and more all fall under this policy.
Keep in mind that a “full coverage” policy in any given state always includes the minimum amount of insurance
required by law, and there’s a lot of variation between states. For example, a full coverage policy from Metromile might include uninsured motorist coverage in some states, and in others, it won’t. It’s also important to mention that Metromile is not available everywhere. The company says that it has plans to expand, but it’s currently only available in the following eight states:
So if you don’t live in one of these states, Metromile is unfortunately not an option!
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Does full coverage actually cover everything?
No! Even though the name implies it, a full coverage policy doesn’t cover everything. Even if you have a full-coverage policy, there are other kinds of policies you should consider.
Liability insurance covers other drivers, and collision and comprehensive policies cover your vehicle—which is why it’s almost always required if you lease or finance your car. But there are also several other policies that offer you extra protection in a wide variety of scenarios.
Take a look at the table below to see the other kinds of coverage that Metromile offers:
Other types of Metromile auto insurance coverage
| |
|---|
| Uninsured/ underinsured motorist coverage from Metromile covers your expenses if you’re involved in an accident caused by someone who doesn’t have any (or enough) liability insurance. This most often covers medical bills and lost wages, but can sometimes include property damage as well. |
| Metromile’s MedPay coverage helps to pay for the medical expenses of both you and your passengers, no matter whose fault the accident was. But heads up: it’s only available in Arizona, California, Illinois, and Virginia. |
| PIP also helps to pay for medical expenses that arise from an accident. It’s required for drivers in no-fault states , but many at-fault states require it too. |
| This add-on policy isn’t ever a requirement, but it’s handy (and affordable) coverage to have. It means that you can always get assistance for a wide variety of car-related troubles, from lockouts to flat tires to dead batteries. |
| If you have comprehensive and collision coverage, Metromile automatically covers any car you rent for your personal use. But this coverage can also mean that you can get a rental car while yours is in the shop following a covered accident. |
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One thing to be aware of: Metromile does not offer any coverage for vehicles used for rideshare or work purposes. So if you work for a company like Lyft or DoorDash, Metromile is not an option.
Is full coverage car insurance from Metromile worth it?
If you have a good driving record and you drive fewer than 10,000 miles per year, Metromile could be worth it for you—especially if you are required by your lender
to have a full coverage policy. But even if you're not financing your car, full coverage is still good protection against a wide variety of scenarios and can also protect your investment in the event your car is totaled
. Benefits of full coverage Metromile car insurance
Getting full coverage car insurance from Metromile means that you’ll:
Fulfill the requirements from your lender or leasing company
Be protected from things like theft, weather damage, and collisions
Have your investment protected in case your car is totaled
Possibly pay less than with a traditional insurance provider
Full coverage insurance is almost always worth the money, especially if you have a pricey vehicle or live in an area where theft or weather damage is more common.
Downsides to full coverage Metromile car insurance
But Metromile and/or full coverage isn’t for everyone! The drawbacks of full coverage with Metromile include:
Full coverage is more expensive than liability insurance.
Premiums often increase after a claim.
You’ll still have to pay your deductible
before your policy coverage kicks in. Metromile doesn’t cover vehicles used for work purposes.
Metromile is currently only available in eight states.
The mileage tracking device needed only works with vehicles from 1996 or later.
Unlike other car insurers, Metromile doesn’t offer any other kinds of insurance like renters
or homeowners
coverage. So if you need those policies as well, you won’t be able to bundle them all with the same provider. Does Metromile have the best full coverage auto insurance?
It’s a matter of your specific circumstances! As far as the coverage itself, you can get the same type of coverage with most any other provider.
What makes Metromile different is how they charge for their policies. Unlike companies like State Farm
or Progressive
, Metromile doesn’t charge a set amount for their policies. The fewer miles you drive, the less you’ll pay. If you drive a lot or use your car for work, then it’s not the provider for you. But for some drivers, this pay-as-you-go
style is a great fit. Like most insurance companies, having a clean driving record
and a good credit score
works in your favor when you’re getting a car insurance policy. Metromile’s website states that they have a multi-car discount, but it’s unclear if they offer any other types of discounts
, like good student or claim-free discounts. And no matter what company you’re considering, shop around! Not only should you get at least three to five quotes before you make a decision, most experts advise you to shop for car insurance every six months
to ensure that you’re getting the best deal. The last word
If you don’t drive a lot and it’s available where you live, Metromile’s pay-by-the-mile model might be able to save you a lot of money on your car insurance! You can get the full coverage policy you need to stay safe, and pay less than you would with a traditional type of insurance policy. That being said, Metromile’s reviews are decidedly mixed. While some drivers love it, others complain of poor customer service and a lack of available discounts. And if you use your car for work, have a vintage ride, or drive more than 10,000 miles a year, it’s certainly not the provider for you.
FAQs
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