Mile Auto is a new car insurance company that offers pay-per-mile insurance. Pay-per-mile insurance, also called pay-as-you-go insurance, allows policyholders to only pay for the amount of miles they drive. According to Mile Auto, if you are a low-mileage driver, you can save up to 30% to 40% on your insurance costs.

Fred Blumer, Jim Cook, Joe Fuller, and Scott Nelson founded Mile Auto in 2017. They are headquartered in Atlanta,

Georgia

. Mile Auto policies are underwritten by Spinnaker Insurance.

Mile Auto is currently available in

, and

. They have plans to expand to other states in the future.

Is Mile Auto right for you?

Mile Auto is a good option for drivers who don’t spend a lot of time behind the wheel, such as:

Retirees

People who work from home

Part-time workers

People who live close to their place of employment

If you drive less than 10,000 miles a year or so, it may be a good idea to consider a pay-per-mile car insurance policy. However, make sure you do some comparison shopping before deciding on a policy.

Our team at

Jerry

has compiled the following average monthly premiums for policies from Mile Auto compared with other popular pay-per-mile insurance providers:

Car insurance company	Availability	Average monthly rates
Mile Auto	Available in: AZ , CA , GA , IL , OH , OR , PA , TN , TX	$38
Allstate (Milewise)	Available in: AZ , DE , ID , IL , IN , MD , MN , MO , NJ , OH , OK , OR , PA , SC , VA , WA , WI , WV	$41
Metromile	Available in: AZ , CA , IL , NJ , OR , PA , VA , WA	$47
Nationwide (SmartMiles)	NOT available in: AK, HI, LA , NY , NC , OK	$46

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How Mile Auto works

To receive your pay-per-mile rate from Mile Auto, you’ll follow these steps:

Take a picture: Mile Auto doesn’t use an app, plug-in device, or any other tracking devices to monitor your car. Instead, its MVerity system will send you monthly text and email reminders to submit a photo of your odometer to them. Once you send a picture, the MVerity system will read your odometer and confirm its authenticity.

Check your rate: Once the MVerity system confirms your mileage for the month, it will calculate your rate and you will pay your monthly insurance premium.

Your rate will include a monthly base rate and a per-mile rate. Both of these rates will be determined based on standard insurance criteria, such as your

driving history

, location, vehicle, age, credit history,

coverages

deductibles

, and more. The variables that Mile Auto uses will also vary depending on the state you live in.

For instance, if your monthly base rate is $48 and you have a per-mile rate of $0.08, and you drive 300 miles in one month, your bill for the month will be $72. This number includes the monthly rate of $48 and your per-mile base rate, which is $24 (300 miles x $0.08 per mile).

Though rates vary by driver and the amount driven, Mile Auto policies currently average about $38 per month for minimum coverage and just $78 per month for full coverage.

Remember: Pay-as-you go policies like those written at Mile Auto are great options for those who drive less than the average motorist. Average drivers are unlikely to save and are even more likely to pay more by choosing a pay-per-mile policy.

Mile Auto car insurance reviews and ratings

Mile Auto is a decent car insurance company.

In 2023,

Jerry's

research team analyzed real customer reviews of Mile Auto. Overall, Mile Auto received a 3/5 rating. Additionally, 25% of customers’ comments were neutral, 50% were neutral, and 25% were negative.

Mile Auto customers praised the provider for:

Great coverage

Affordable insurance rates

Comprehensive auto insurance policy for a good price

Mile Auto received the following ratings from

Jerry

customers:

Criterion	Rating
Cost rating	3.25
Customer service rating	3
Claims processing rating	N/A
Buying processing rating	4
Renewal processing rating	4

Mile Auto Insurance has an A rating and no accreditation with the

Better Business Bureau (BBB)

. It has an average of one out of five stars for customer reviews. Some of the reviews talk about struggles to get in contact with customer service and problems with payment.

AM Best

has given Spinnaker Insurance Company, the company that underwrites Mile Auto’s policies, a rating of A-, or excellent.

Mile Auto hasn’t been rated by J.D. Power.

Mile Auto car insurance pros and cons

Mile Auto has some good points and bad points that are worth considering when you’re looking to purchase a policy from them:

Pros

Mile Auto doesn’t track your car, so you don’t have to worry about your privacy

If you are a low-mileage driver, you can save money

Decent coverage options

You can receive a quote from their website

Cons

Taking a picture of your odometer every month might feel like a pain for some customers

No bundling discounts since Mile Auto only sells auto insurance

No discounts are advertised on their website

Only available in six states

Mile Auto car insurance discounts

Currently, there aren’t any car insurance discounts listed on Mile Auto’s website. Please contact a Mile Auto insurance agent if you have any questions about their rates.

Mile Auto car insurance coverage options

Mile Auto Insurance only sells car insurance. It doesn’t offer

homeowners insurance

renters insurance

, business insurance, or any other types of coverage.

All of their policies include state minimum liability coverages that are required by law. You can also choose to increase your limits and adjust your deductible. Additionally, Mile Auto sells

full coverage insurance policies.

Mile Auto car insurance

coverage options

include:

Type of insurance	What it covers
Liability insurance	Most states require drivers to purchase basic liability coverage. Liability coverage pays out for damage that you cause to other drivers—not your own. A typical policy will include bodily injury liability and property damage liability .
Collision insurance	Collision coverage is an optional coverage that is often sold as part of a full-coverage policy. It pays out for damage to your car after a collision with another vehicle or object, like a wall or guardrail.
Comprehensive insurance	Comprehensive coverage is an optional coverage that is often included in a full-coverage policy. It will pay out for damage to your car in incidents other than collisions, including vandalism, natural disasters, and more. Collision and comprehensive are usually required coverages if you finance or lease a car.
Personal injury protection (PIP)	PIP pays out for medical expenses after a covered accident.
Roadside Assistance	This is an optional coverage that you can include in your Mile Auto policy. Roadside assistance usually includes services like towing, jumpstarts, fuel delivery, locksmith services, and tire changes.
Rental vehicle reimbursement	If your car can’t be driven after a covered accident, rental car reimbursement coverage will cover the price of a rental car for you to use while your car is being repaired.
Uninsured motorist/ underinsured motorist insurance	Uninsured motorist coverage will pay out for a driver who is involved in an accident with an at-fault driver who doesn’t have enough car insurance coverage.

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No spam or unwanted phone calls · No long forms

No spam or unwanted phone calls · No long forms · No fees

4.717k Ratings

5M+Drivers Joined

7M+Cars Garaged

FAQ

What is Mile Auto’s website?

Mile Auto’s website is

https://www.mileauto.com

Are there any other car insurance companies that offer pay-per-mile car insurance?

Some other pay-per-mile programs include Allstate Milewise, Metromile, and Nationwide SmartMiles.

Is Mile Auto available in California or Illinois?

According to Mile Auto’s website, as of May 2024 they are not available in

California

Illinois

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.