If your car spends more time in the garage than on the street, Metromile might be the right auto insurer for you.

Metromile specializes in pay-per-mile coverage. The less you drive, the less you pay. The company estimates that policyholders save an average of 47% on the cost of coverage compared to the policy they had with their old insurance company.

However, pay-per-mile coverage is only available in a handful of states. In addition, customer Metromile insurance reviews could be a little stronger than they are.

Is Metromile worth it? This Metromile car insurance review will give you the lowdown on whether the company's insurance coverage is right for you.

But first, here are a few highlights:

Key Highlights
  • Metromile offers pay-per-mile car insurance coverage to benefit low-mileage drivers.
  • Metromile gives policyholders any mileage above 250 a day (or 150 in New Jersey) free.
  • Aside from their per-mile pricing model, Metromile offers all the standard coverage options most major insurers offer.
  • Metromile will soon accept cryptocurrency as a form of payment and claims payout.

How does Metromile pay-per-mile insurance work?

Metromile's pay-per-mile model is very simple. You will be quoted a monthly rate which is payable every month, no matter how many miles you drive. But then, Metromile multiplies the number of miles you drive by your quoted per-mile rate. Add your monthly rate and your mileage total together, and that's what you'll pay.

For example, as the Metromile website explains, if your monthly rate is $29, your per-mile rate is .06 and you drive 200 miles that month, your total due will be $21.

Next month, if you drive 100 miles, you will owe $35.

The less you drive, the less you pay.

Metromile auto insurance coverage options

Metromile offers the standard coverages you would expect from any auto insurance company. Those break down into three major categories:

Liability coverage: This form of insurance protects you for damages you cause to other people or property that does not belong to you. The two types of liability coverage are:

  • Bodily injury coverage: If you cause an accident, this coverage pays for any costs related to injuries or deaths of others. This type of coverage also might protect you if you are sued for causing an accident and need to hire a lawyer.
  • Property damage coverage: This reimburses you for damages you cause to things, such as to property or someone else's car.

Vehicle coverage: Many different types of protection are available in this part of your auto insurance policy. They include:

  • Roadside assistance: This coverage helps you get access to help such as towing, flat tire changes and jump-starts.
  • Underinsured motorist property damage: Reimburses costs if an uninsured or underinsured driver hits you. This coverage is not available in every state.
  • Collision deductible waiver: Waives your collision deductible if you are in an accident with an at-fault uninsured driver. This coverage is not available in every state.
  • Collision and comprehensive coverage: Collision coverage reimburses you for damages to your car that are the result of a collision with another object, such as a pole or building. Comprehensive coverage reimburses you for damages to or losses of your car that are not the result of a collision, such as damage caused by hail or theft.
  • Deductible-free windshield repair: If your windshield is damaged and does not need a full replacement, Metromile will pay for the repair and will not require you to pay your deductible.

Medical coverage. This coverage reimburses medical costs for both yourself and others. Examples include:

  • Underinsured motorist bodily injury: Reimburses you when another driver is at fault for an accident but has insufficient liability insurance to cover your medical costs.
  • Uninsured motorist bodily injury: Reimburses you -- and your passengers -- for medical costs when another driver is at fault but does not have car insurance.
  • Personal injury protection: Reimburses you for expenses beyond medical bills, including loss of income and funeral expenses. Benefits vary by state.
  • Medical payments: Reimburses you for medical deductibles and copayments that your health insurance company -- or the health insurance companies of your passengers -- do not cover.
  • Pet injury protection: Metromile includes pet injury protection in most of its "full coverage" policies.

Metromile car insurance discounts

Like other car insurance companies, Metromile offers discounts that can help tame the costs of carrying car insurance.

Metromile's most significant price break comes in the form of its "pay per mile" coverage. That means the rate you are charged depends on "your actual driving habits," according to the company.

So, for example, you might pay a monthly base rate of $29, plus 6 cents per mile. A driver who logs 450 miles a month would pay $56 a month -- or $672 a year.

But there are other discount options, too. Here are a few:

  • Anti-theft protection discount
  • Accident-free discount
  • Mature driver discount
  • Multi-car discount
  • Safety equipment discount
  • Ride Along safe driving discount

Where is Metromile insurance available?

  • Arizona
  • California
  • Illinois
  • New Jersey
  • Oregon
  • Pennsylvania
  • Virginia
  • Washington

In addition, all of the miles you drive over 250 per day are free, although that drops to 150 miles per day in New Jersey.

Metromile financial stability ratings

Finding an insurer with sound finances is important to most drivers. Unfortunately, A.M. Best has not rated Metromile, and no other ratings are available to indicate the state of Metromile's finances.

Metromile customer reviews and complaints

Is Metromile legit? Yes.

However, Metromile consumer complaints are higher than the norm. The company scores a 12.19 on the National Association of Insurance Commissioners Complaint Index. That means the company receives an above-average number of customer complaints.

The NAIC Complaint Index is always 1, meaning a company that scores a 2 would have a complaint index twice as high as expected in its market.

According to the Better Business Bureau, Metromile customer reviews earn the company a 3.72 out of a possible five stars for a BBB customer review rating. In the last three years, 85 complaints against Metromile have been closed. In the past year, the number is 12.

Metromile car insurance claims

You can make the Metromile claims process easier by filing your claim online at claims.metromile.com.

If you prefer to speak with a Metromile representative, call (888) 595-5485. Metromile representatives are available 24 hours a day, seven days a week, to take claims.

When filing a claim, have some information handy, such as:

  • Policy number
  • Date of accident
  • Location of the accident
  • Description of the accident
  • Party names and vehicles involved

As a Metromile claims review proceeds, the best way to check the status of your claim is to call or email your claims representative. Metromile says it will introduce features that make the process even easier "in the coming months."

Metromile website and apps

The Metromile app lets you file a claim, monitor your car's health and manage aspects of your policy. You must have pay-per-mile insurance to use the app.

You can also use the Metromile website to log on to the online dashboard and check your driving data, as well as your policy documents. We found the Metromile website to be user-friendly and easy to use.

Metromile's app can even help you get a more accurate rate quote. The company offers a feature called "Ride Along." After downloading the app, you drive with it for 17 days.

The app can tell when you are driving based on location and motion data from your phone. It also can tell when you are the passenger and are not driving.

Once the Ride Along period is complete, Metromile will tell you how many miles you have driven to get the most accurate rate. The company notes that eligible drivers can save up to 40% on their initial quote in Oregon if they drive safely during the trial period.

Who is Metromile car insurance a good option for?

Metromile may be a great option for drivers who:

  • Drive infrequently or short distances
  • Live in Arizona, California, llinois, New Jersey, Oregon, Pennsylvania, Virginia, Washington
  • Want to pay premiums in or receive claim’s payouts in a cryptocurrency
  • Want a convenient app and easy-to-use policyholder dashboard
  • Have more than one car to insure

Metromile can be a good option for people who drive infrequently. With base rates as low as $29 a month and mileage rates as low as six cents per mile, those who keep their car sitting idle in the garage can save a lot of cash.

However, it's important to remember that per-mile coverage is only available to drivers in eight states.

Metromile is also a good bet for those who plan to insure more than one car, as doing so can net you an extra discount.

Metromile recently announced that it would soon let its policyholders pay their premiums and accept claim payouts in a cryptocurrency, making them the first insurer to accept premium payments and pay claims in digital currency.

The verdict: Is Metromile worth it?

Metromile says its customers save an average of $741 annually.

However, Metromile does not score well on the National Association of Insurance Commissioners Complaint Index, which may give some drivers pause. And customer Metromile reviews with the Better Business Bureau only rate 3.72 stars out of a possible five.

Is Metromile good for those weighing their insurance options? For those who drive infrequently, Metromile can be a worthwhile option to consider. The combined base rate and per-mile charge can save you money.