Last Updated: 04/18/2025
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A-(Verified 04/18/2025)
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
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Metromile insurance FAQ
What are the minimum and maximum liability coverage options available?
Policyholders can request liability coverage up to $250,000.
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 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.
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.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- 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.
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Metromile Auto Insurance Community Reviews
Would you recommend Metromile Auto Insurance to your friends?
AG
Anthony G.
Nov 24, 2020
May or may not recommend
Metromile Auto Insurance is one of the finer decisions in my life. The team has a very thoughtful and convenient auto insurance system. The less you drive, the less it will cost. The average costs of using this insurance are very affordable. I would strongly recommend working with this company.
OL
Oyalola L.
Oct 29, 2020
May or may not recommend
For 5 years now, I’ve been using Metromile Auto and I don’t regret it. Their customer service is topnotch and they’ve got good rates too. I was once stranded on a road trip, and their emergency roadside service came through, and I was back on my way in no time.
Showing 2 of 2 reviews
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