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house and car sketch, Metromile banner - pay per mile insurance

How do customers rate Metromile?

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Metromile ratings and coverages

Q: What coverages does Metromile offer?

Metromile offers coverages for Car insurance, Condo insurance, Pet insurance, Renters insurance and undefined insurance.

Q: What states does Metromile do business in?

Metromile offers insurance in .

Is Metromile good? That depends on how many miles you drive a year.

Metromile insurance quotes start at $30, plus six cents per mile. Anyone who drives less than 10,000 miles could save money on car insurance with Metromile.

Even if you are a low-mileage driver, you can only buy car insurance from Metromile in eight states. Lemonade Insurance acquired Metromile in 2022, but coverage is still limited to a handful of states.

Scroll through our Metromile car insurance review to learn more. You can find Metromile auto insurance near you and compare pay-per-mile insurance costs by state.

Metromile Car Insurance Reviews

Is Metromile good insurance? Since being acquired by Lemonade, the Metromile insurance rating has improved.

Lemonade received an Exceptional "A" financial rating from Demotech, Inc. However, it isn't a large enough company to be considered by A.M. Best.

Metromile Customer Service Reviews

Online reviews of Metromile Insurance are mixed. While customers appreciate the affordable rates and easy-to-use app, Metromile receives three times more complaints than other providers its size.

A majority of Metromile complaints center around unexpected rate increases after six months. Drivers without claims saw rate increases of 70% in states like California.

If you have a question about your rates, call the Metromile insurance phone number to speak to an agent at 1-888-242-5204.

Metromile Insurance Claims Reviews

Metromile claims reviews are also negative. The filing process is easy, but adjusters are hard to get on the phone once a claim is filed. Other drivers complain about receiving the wrong Metromile claims number.

If you need to file a claim, call the claims phone number for Metromile at 1-888-595-5485. You can also use your Metromile insurance login to file online.

Keep reading our Metromile insurance review to compare pay-per-mile rates and coverages.

Monthly Metromile rates start at $30. Your Metromile quote might be higher if you drive a new car or live in a high-risk state. Other factors, including your age and driving history, might raise rates.

Metromile is designed for low-mileage drivers. For example, Metromile charges 6 cents per mile, and if you drove 450 miles that month, your cost would be $57.

Metromile does not track driving behaviors, so things like braking and speeding won't impact rates. When comparing Metromile vs. Progressive or Geico usage-based insurance, Metromile is cheaper because it only tracks miles driven.

How Metromile Pay-Per-Mile Works

Metromile tracks your mileage using the wireless Pulse telematics device. The Metromile device plugs into your car's diagnostics port to collect data on the number of miles you drive. The Pulse connects to a cellular network to transfer the data collected from your car to the Metromile app.

Metromile provides the Pulse device to all policyholders and sends it by mail once you sign up for a policy.

It's mandatory for Metromile policyholders to install The Pulse because it's how Metromile measures the miles you drive to offer you a car insurance rate.

Metromile reviews often complain about the fact that drivers are constantly monitored. However, Metromile Pulse can also provide drivers with insight into the health of their car, GPS location, and their driving data. It can even read engine error codes and alert drivers of what is wrong.

Discounts from Metromile

Metromile's mission is to help low-mileage drivers save money by offering auto insurance by the mile. Drivers can also earn the following discounts through Lemonade Insurance:

Anti-Theft Discount
Bundling Discount
Early Signing Discount
Hybrid Vehicle Discount
Multi-Vehicle Discount

The bundling discount is only available to Lemonade customers who also have a home, renters, or pet insurance policy.

Reach out to an agent via the Metromile phone number to find out which discounts you qualify for.

What coverages does Metromile offer?

Metromile insurance reviews praise the variety of auto coverage. It may not offer as much as national providers, but it offers more than many pay-per-mile companies:

Liability Coverage: Covers costs for injuries and property damage if you're at fault.
Collision Insurance: Covers your car in auto accidents or collisions with stationary objects.
Comprehensive: Covers non-collision damage (theft, weather, animal damage, etc.).
Uninsured/Underinsured Motorist Protection: Covers your car and medical bills if hit by uninsured/underinsured drivers.
Personal Injury Protection (PIP): Covers medical expenses, lost income, and more after a claim.
Medical Payments: Covers medical expenses in an accident not covered by health insurance.

Metromile roadside assistance and rental car insurance are also available to drivers who buy full coverage with collision and comprehensive insurance.

Explore other types of policies through Lemonade and Metromile below. Call the Metromile car insurance phone number if you want to add coverage.

Condo insurance

Pet insurance

Renters insurance

The Bottom Line on Metromile Car Insurance

If you need cheap car insurance, Metromile is an affordable option for low-mileage drivers.

Before picking Metromile Insurance Company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have.

Questions to consider asking include:

"What is the best coverage plan for me/my family/my situation?"
"What are the minimum coverage requirements in my state and what form of coverage do you recommend?"
"Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?"
"What is the average rate of insurance quotes you guys offer?"

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It's simple, just plug in your zip code and we'll do the rest!

Frequently Asked Questions

What is Metromile Insurance?

Metromile was pay-per-mile car insurance that charged a flat monthly fee and a few cents each mile you drive. Lemonade Insurance acquired Metromile in 2022 and now offers usage-based car insurance by the mile in seven states.

How much is Metromile per mile?

Monthly Metromile car insurance rates start at $30.

How does Metromile track miles?

The Metromile Pulse device plugs into your car's diagnostics port and tracks the number of miles you drive.

Does Metromile track your speed?

Metromile only charges you based on the number of miles you drive, not on your driving behavior or your speed.

When was Metromile founded?

The company was founded in 2011 in Redwood City, California, by David Friedberg and Steve Pretre.

Is Metromile a good insurance company?

Metromile Insurance provides great coverage for low-mileage drivers. However, if you drive more than 10,000 miles per year, you won't benefit from Metromile's low rates.

Is Metromile car insurance in California?

Yes, Metromile states are California, Oregon, Washington, Arizona, Illinois, Virginia, Pennsylvania, and New Jersey. Metromile in Texas, Ohio, and Tennessee is sold under the Lemonade Insurance brand. You won't find Metromile in Florida under either name.

Does Metromile cover rental cars?

Most policies do cover rental cars, though you should contact Metromile to be sure you know what is and isn't covered by your policy. Metromile uses the Pulse device to measure the number of miles you drive. However, you won't need to plug the device into the rental car, and you won't be charged for the miles you drive in the rental car.

Does Metromile provide proof of insurance?

Policyholders can access Metromile proof of insurance through the app or print it off from the company website. Call the Metromile numbers listed below if you can't find your proof of insurance.

What is the customer service phone number for Metromile Insurance?

Metromile's phone number remains the same even though it is owned by Lemonade. The Metromile customer service number is 1-888-242-5204.

What is the Metromile insurance claims phone number?

The Metromile claims phone number is 1-888-595-5485. You can call Metromile 24/7 for claims support.

What states does Metromile do business in?

Metromile sells car insurance in 8 states. See the state Metromile sells in below and click the link to see how Metromile compares to the other top companies in that state.

Arizona