Metromile Insurance: Pay-Per-Mile Car Coverage Explained (2026 Review)

Category	Details
Company Name	Metromile Insurance Company
Founded	2011
Headquarters	San Francisco, California
Acquired By	Lemonade Insurance (2022)
Coverage Type	Pay-per-mile auto insurance
Availability	8 U.S. states (as of 2025)
Average Monthly Base	$29–$60
Per-Mile Rate	$0.02–$0.11 per mile
Customer Rating	3.8/5 (based on major review platforms)
Contact	Via app, website, or customer service line

What Is Metromile Insurance and How Does It Actually Work?

Imagine paying for car insurance the same way you pay for electricity—only for what you actually use. That’s the genius behind Metromile Insurance.

Instead of paying a flat monthly premium like traditional insurers charge, Metromile car insurance breaks your bill into two parts:

1. A low base rate (covers your car when it’s parked)
2. A per-mile charge (based on how much you actually drive)

So if you work from home, use public transit, or just don’t drive much, you could save hundreds compared to companies like Geico or State Farm.

Here’s how it works in real life: You plug a small device (called the Metromile Pulse) into your car’s diagnostic port. It tracks your mileage automatically and sends the data to Metromile Insurance Company via the app. At the end of the month, you get charged your base rate plus the total miles you drove.

No guesswork. No overpaying for miles you didn’t drive.

Who Should Consider Metromile Auto Insurance?

Metromile auto insurance isn’t for everyone—and that’s okay. It’s specifically designed for low-mileage drivers.

You’re a great fit if you:

• Work from home or have a short commute
• Drive fewer than 10,000 miles per year
• Use your car mostly on weekends
• Have multiple vehicles and only drive one regularly
• Live in a city with good public transportation

On the flip side, if you’re a road warrior who racks up 15,000+ miles annually, traditional insurance might be cheaper. But for the right person, Metromile Insurance can cut car insurance costs by 30–50%.

Metromile Login: How to Access Your Account

Let’s talk about the Metromile login process because it’s surprisingly simple (and kind of fun, honestly).

You can access your account three ways:

1. Metromile Mobile App

Download the app (iOS or Android), enter your email and password, and boom—you’re in. The app shows your real-time mileage, trip history, and upcoming charges.

2. Metromile Website

Go to the official site, click “Log In” at the top right, and enter your credentials. The web dashboard has the same features as the app.

3. Forgot Your Password?

Click “Forgot Password” on the login screen. You’ll get a reset link via email within minutes.

Pro tip: Enable biometric login (fingerprint or Face ID) on the app so you don’t have to type your password every time.

Metromile Reviews: What Real Customers Are Saying

Let’s get real. Metromile reviews are mixed—but mostly positive if you’re the right customer.

What People Love:

• Transparent pricing: You see exactly what you’re paying for
• Easy app experience: The interface is clean and intuitive
• Genuine savings: Low-mileage drivers report saving $300–$800 per year
• Trip tracking: The app shows every trip, which helps with tax deductions or mileage logs

Common Complaints:

• Limited availability: Only available in 8 states (Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, Washington)
• Customer service delays: Some users report slow response times
• Device issues: Occasionally, the Pulse device disconnects or fails to track miles accurately

Overall verdict from Metromile reviews: If you drive under 10,000 miles yearly and live in a covered state, it’s worth trying. But if you need hand-holding or drive a ton, look elsewhere.

How Much Does Metromile Insurance Actually Cost?

Here’s the million-dollar question: What will you actually pay?

Metromile Insurance pricing has two components:

Example Calculation:

Let’s say your base rate is $40/month and your per-mile rate is $0.06.

• Month 1: You drive 400 miles
• Calculation: $40 + (400 × $0.06) = $40 + $24 = $64 total
• Month 2: You drive 800 miles
• Calculation: $40 + (800 × $0.06) = $40 + $48 = $88 total

Compare that to a traditional policy that charges $120/month regardless of mileage. Over a year, you’d save $432–$672 with Metromile car insurance.

The daily mileage cap is clutch for road trips—you’ll never pay more than about $6–$27 per day, no matter how far you drive.

Metromile Insurance Phone Number and Customer Support

Need to reach Metromile Insurance? Here’s how:

Note: Since Lemonade acquired Metromile Insurance Company in 2022, some support now routes through Lemonade’s customer service team. Response times have improved, but you might occasionally get transferred.

For fastest service, use the in-app chat during business hours.

Metromile vs Root Car Insurance: Which Is Better?

Both Metromile Insurance and Root offer usage-based insurance, but they work differently.

Bottom line on Metromile vs Root car insurance: Choose Metromile if you barely drive. Choose Root if you drive regularly but safely. Root also has wider availability, so it might be your only option depending on where you live.

Metromile vs Geico: The Showdown

How does Metromile Insurance stack up against the giant lizard?

The verdict on Metromile vs Geico: If you drive under 7,000 miles yearly, Metromile Insurance wins on price. If you drive 12,000+ miles or want traditional customer service, Geico is safer. For everyone in between, get quotes from both.

Metromile Insurance Review: Pros and Cons

Let’s break down this Metromile insurance review with brutal honesty.

Pros:

✅ Potentially massive savings for low-mileage drivers
✅ Transparent, usage-based pricing
✅ No hidden fees or surprise charges
✅ Daily mileage cap protects you on road trips
✅ Easy-to-use app with trip tracking
✅ Environmentally friendly (rewards driving less)

Cons:

❌ Limited to just 8 states
❌ Not cost-effective if you drive 12,000+ miles/year
❌ Requires installing a tracking device
❌ Customer service can be slow
❌ Pulse device occasionally malfunctions
❌ Acquisition by Lemonade created some service inconsistencies

Final take: Metromile auto insurance is brilliant for the right person but terrible for the wrong one. Know your annual mileage before signing up.

Coverage Options With Metromile Insurance

Metromile Insurance Company offers standard coverage types:

• Liability coverage (bodily injury and property damage)
• Collision coverage (damage to your car from accidents)
• Comprehensive coverage (theft, vandalism, weather damage)
• Uninsured/underinsured motorist coverage
• Medical payments coverage
• Rental car reimbursement
• Roadside assistance

You can customize your deductibles and coverage limits just like traditional insurance. The only difference is how you’re charged—everything else works the same.

How to Sign Up for Metromile Car Insurance

Ready to try Metromile car insurance? Here’s the process:

1. Get a quote on the Metromile website or app
2. Answer questions about your car, driving history, and annual mileage
3. Review your base rate and per-mile rate
4. Purchase your policy online
5. Receive your Metromile Pulse device in the mail (2–5 business days)
6. Plug it into your car’s OBD-II port (usually under the steering wheel)
7. Start driving and watch your savings roll in

The whole process takes about 15 minutes, and coverage can start the same day.

Is Metromile Insurance Right for You?

Here’s the truth: Metromile Insurance is perfect for some people and terrible for others.

You should absolutely try Metromile if:

• You drive fewer than 10,000 miles per year
• You live in one of the 8 covered states
• You’re comfortable with app-based insurance
• You want transparent, usage-based pricing
• You’re environmentally conscious

Skip Metromile if:

• You’re a high-mileage driver (12,000+ miles/year)
• You don’t live in a covered state
• You prefer traditional customer service with local agents
• You don’t want a tracking device in your car

The best way to know? Get a quote from Metromile Insurance and compare it to your current policy. If the numbers make sense, make the switch.

Metromile Phone Number and How to File a Claim

Accidents happen. Here’s how to handle them with Metromile Insurance:

Step 1: Call the 24/7 claims hotline immediately
Step 2: Use the app to document the accident (photos, details)
Step 3: Follow up through the app or via the Metromile phone number (1-888-242-5204)
Step 4: An adjuster will review your claim and estimate repairs
Step 5: Get your car fixed at an approved shop or one of your choice

Metromile review feedback on claims is generally positive—most are resolved within 7–14 days for straightforward cases.

Conclusion: Should You Switch to Metromile Insurance?

Here’s the bottom line on Metromile Insurance: It’s one of the smartest innovations in car insurance for low-mileage drivers.

If you barely drive, Metromile car insurance could save you hundreds of dollars per year with zero sacrifice in coverage quality. The pay-per-mile model is transparent, fair, and perfectly aligned with modern work-from-home lifestyles.

But it’s not a magic solution. High-mileage drivers will pay more, customer service can lag, and availability is limited to just 8 states.

Our recommendation: Get a quote. Compare it to Geico, Progressive, and Root. Run the numbers. If Metromile auto insurance saves you money based on your actual driving habits, make the switch. If not, stick with what you have.

Either way, you’ll make an informed decision—and that’s what matters.

Frequently Asked Questions (FAQs)

1. Is Metromile Insurance still available in 2025?

Yes, Metromile Insurance is still operating as of January 2026, though it was acquired by Lemonade Insurance in 2022. The pay-per-mile model remains intact, but some backend services now run through Lemonade’s infrastructure.

2. How do I access the Metromile login portal?

You can access the Metromile login through the mobile app (iOS/Android) or the official website. Use your registered email and password. If you forget your credentials, click “Forgot Password” for a reset link.

3. What’s the Metromile Insurance phone number for customer support?

The Metromile phone number for customer service is 1-888-242-5204. Hours are Monday–Friday, 6 AM–6 PM PT. For 24/7 claims support, call the same number and select the claims option.

Thank you for reading! For more insurance insights and money-saving tips, check out our previous article:

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