metromilecom

Metromile modernizes car insurance for low-mileage drivers with pay-per-mile pricing, a well-rated mobile app and a plug-in telematics device that tracks miles and simplifies claims. It’s designed for urban commuters who want lower premiums tied to actual driving.

Founded2011

Price$ (low-mileage focused)

Main productPay-per-mile auto insurance

AvailabilitySelect U.S. states

Why Metromile

Top reasons customers choose Metromile

01Pay-per-mile savingsA core pricing model that lowers premiums for drivers who put fewer miles on their cars—ideal for city commuters and occasional drivers.

02Connected driver technologyMetromile’s plug-in telematics and mobile app provide real-time mileage, parked car location and diagnostics for a modern ownership experience.

03Simple claims and supportAn app-first claims flow with photo uploads and in-app tracking makes filing and monitoring claims fast and transparent.

Mobile-first insurance experience

Metromile’s smartphone app is the control center: view your current pay-per-mile charges, review trip history, file claims with photos, and get repair updates. The interface emphasizes clarity—daily cost estimates, month-to-date charges and push notifications keep cost-conscious drivers informed without paperwork-heavy processes.

The telematics device that tracks miles

The Metromile Pulse telematics device plugs into your car’s OBD-II port to measure mileage automatically. It powers pay-per-mile billing, detects parking location and delivers diagnostics. The hardware is central to accurate billing and helps drivers lower costs by validating low-mileage habits.

Products

Pay-per-mile auto insuranceLiability coverageCollision coverageComprehensive coverageUninsured/Underinsured motorist coverageRoadside assistance add-onUsage-based insurance (UBI)

Verdict

What we like

Meaningful savings for low-mileage drivers
Intuitive mobile app with claims tools
Free or included telematics device to automate mileage tracking
Clear, usage-based billing that ties cost to actual driving

Worth knowing

Not competitive for high-mileage drivers
Availability limited to select U.S. states
Requires an OBD-II plug-in device for full functionality

FAQ

How is the telematics device delivered?

When you enroll, Metromile ships the Pulse device to your address; installation is plug-and-play into the OBD-II port, with setup guided in the mobile app.

What is the cancellation or refund policy?

You can cancel your policy any time—refunds are handled pro rata for unused coverage period. Specific terms and any short-rate fees vary by state and policy details.

Are there discounts or ways to lower my bill?

Metromile’s primary savings come from low mileage; the less you drive, the lower your monthly meter. Additional discounts depend on state and underwriting factors.