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  Metromile Auto Insurance

Metromile Auto Insurance

in Auto Insurance from Metromile

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Metromile Auto Insurance

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in Auto Insurance from Metromile

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Financial Strength Rating A-

Metromile Auto Insurance Review

Metromile is a car insurance carrier based in San Francisco, CA. The insurance company was founded in 2012 and offers car insurance in 7 states in the USA.

If you're considering whether Metromile insurance is a good option for you, read on.

Metromile insurance Pros & Cons
Pros Cons
  • 24/7 Phone availability
  • Free policy cancellation
  • Digital claims reporting
  • Free Policy Cancellation
  • Emergency roadside assistance
  • Rental car coverage
  • Generous with policy discounts
  • Non-residents also eligible
  • No locally available agents
  • No accident forgiveness
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Does not offer many vehicle equipment discounts
Metromile insurance FAQ
up to 250000.

What is the minimum and maximum deductible you can choose for a policy?

Adding a deductible to your insurance policy can reduce your premium. Metromile insurance offers deductibles of $250 to $1,000

What types of car insurance coverage options does Metromile insurance offer?

Although we often talk about car insurance in the singular, it really includes several types of coverage options. Metromile insurance offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Metromile insurance customers can also add the following riders or endorsements to their insurance policies:

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Metromile insurance have roadside assistance?

Emergency Roadside Service available. Yes, Metromile offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Metromile insurance offer ridesharing insurance?

No, Metromile insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does Metromile insurance offer?

Metromile insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.
  • Free Policy Cancellation: No cancellation fees for ending your policy early.
  • Digital Claims Reporting: Never fax or mail a document again.
  • Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What insurance discounts does Metromile insurance offer?

When you ask for an insurance quote with Metromile insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
  • Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.

Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Metromile insurance.

Ways to pay my Metromile insurance

Metromile allows policyholders to pay their premiums using the following methods:
  • Automatic Payments
  • Credit/Debit Card

How does Metromile calculate insurance rates?

Car insurance companies guard their risk-assessment algorithms as a trade secret, and Metromile is no exception. However, you can be confident that Metromile insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Metromile insurance use your credit score?

It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Metromile insurance insurance quote

  • Visit the Metromile website.
  • Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Metromile

We only offer pay-per-mile insurance powered by our OBDII device & offer automated claims through our mobile app.

Contact

  • Headquarters
  •   690 Folsom Street
    Suite 200
    San Francisco, CA 94107
  •   Visit Site

About Metromile Auto Insurance

Availability

  Available in 7 states
  • California
  • Illinois
  • New Jersey
  • Oregon
  • Pennsylvania
  • Virginia
  • Washington

Feature Breakdown

Policy Discounts
  • Military
  • Multiple Vehicles
  • Paperless Billing / e-billing
  • Senior
  • Higher Deductibles
  • Claims Free
Vehicle and Equipment Discounts
  • Anti-Theft Devices
  • Low Annual Mileage
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Underinsured Motorist
  • Uninsured Motorist
Max/Min Deductibles $250 - $1,000
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Min/Max Liability Coverage Up to $250,000
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A-
Carrier Features
  • 24/7 Phone Availability
  • Free Policy Cancellation
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network
  • Caters to High-Risk Drivers
Payment Options
  • Automatic Payments
  • Credit/Debit Card

Metromile Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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