MetroMile Review: Save $500 On Car Insurance (10 Pros/Cons)

MetroMile Insurance is the most popular pay-per-mile insurance company in the world. It’s not fair to pay the same premium as someone who drives thousands of miles more than you. Are you a low-mileage driver that drives less than 12,000 miles a year? If so, then this MetroMile review is perfect for you. Instead of a traditional approach, MetroMile uses a pay-as-you-go approach. Only pay for the miles that you drive. Average MetroMile customers save $500 a year on car insurance.

MetroMile Review: Save $500 On Car Insurance (10 Pros/Cons)

To measure miles MetroMile uses the Pulse. The Pulse is a free wireless device that MetroMile gives their customers. Upon receiving the device plug it into your car’s OBD-II port and you are ready to go. MetroMile is not like the Progressive Snapshot program, Allstate’s Drivewise, State Farm’s Drive Safe & Save program, or any other usage-based programs.

MetroMile does not take into consideration high-risk driving factors such as too many hard brakes or driving too fast. You will never have to worry about your rates increasing by the way that you drive nor will you have to worry about your rates increasing if you drive over 12,000 miles.

In this insurance review, I will give pros and cons of MetroMile. I will review the claims, features, pricing, and more. I encourage you to get an online insurance quote today to see how much that you can save.


The history of MetroMile. 

In 2011 a new car insurance company was founded in San Francisco California. David Friedberg and Steve Pretre founded this new company and named it MetroMile. In just a few short years MetroMile would be a forced to be reckoned with in the auto insurance industry. As of 2018 MetroMile has over 200 trained employees and has amassed well over $60 million dollars in revenue. Currently, the company is led by CEO Dan Preston.


How much does MetroMile charge per mile? (Pro)

Let’s take a look into the MetroMile pricing system. Pricing is the main reason why people are flocking to MetroMile. I compared rates with leading insurance providers such as GEICO vs MetroMile and the tests were conclusive. MetroMile easily offers cheaper rates helping you to save a couple hundred dollars a year on auto insurance. It’s always awesome to be able to save on insurance so you can invest the money or have money for other insurance options for your family.

With MetroMile your monthly insurance bill is made up of a fixed base rate plus a few pennies per mile. Rates vary depending on different factors such as driving record, age, gender, car, etc. Let’s check out a few scenarios to find estimated insurance prices with MM.

Scenario 1 – If you have a base rate of $30 and you drive 300 miles a month while paying 3 cents per mile, you will only pay $39 on your premium.

Scenario 2 – If you have a base rate of $40 and you drive 300 miles a month while paying 4 cents per mile, you will only pay $52 on your premium.

Scenario 3 – If you have a base rate of $50 and you drive 500 miles a month while paying 5 cents per mile, you will only pay $75 on your premium.

Scenario 4 – If you have a base rate of $50 and you drive 800 miles a month while paying 5 cents per mile, you will only pay $90 on your premium.

Now you are able to see how people can save big while using MetroMile. It’s not uncommon for policyholders to save $1000 with MM. The less that you drive the more that you can save. Driving less than 5000 miles per year on average can save you $500. When it comes to month to month car insurance pricing, MetroMile can’t be beaten.

Get a MetroMile quote here.


MetroMile roadside assistance review – (Pro)

MM offers an optional roadside assistance service for their customers. Their roadside assistance service is available 24/7 and covers a jump, tow, locksmith, and flat tires. Roadside assistance only covers the car on the policy. It does not cover you if let’s say you were the passenger of your friend’s vehicle that broke down.


MetroMile availability – (Con)

You’re excited about MetroMile, but now there is one thing holding you back. You find out that they are not available in your area yet. One con of MetroMile is that it is not available in all states nor is it available in any other country besides the United States.

This is unfortunate for those in Florida, New York, Massachusetts, North Carolina, and some other states that have been dying for MetroMile services. Currently, per-mile insurance is only available in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.

Don’t be discouraged that MetroMile is not in your area. MetroMile is a growing company. Be on the lookout because I believe MM will soon be all around the world.


MetroMile offers full coverage to their customers. (Pro)

MetroMile coverage options:

  • Bodily injury – Pays for the cost associated with injures to other drivers in a car accident.
  • Property damage – Helps to pay for repair damage you cause to another driver’s vehicle or property.
  • Uninsured motorist coverage – Protection against at-fault drivers who don’t carry liability insurance.
  • Under­insured motorist coverage – Protection against at-fault drivers with low liability limits that can’t cover the damages or medical costs.
  • Collision insurance – Helps pay to repair or replace your vehicle in an accident.
  • Comprehensive – Pays for damage to your auto caused by things such as a fire, theft, or vandalism.
  • Personal injury protection -PIP insurance pays for medical expenses and other injury-related costs.
  • Medical payments coverage – Covers injuries sustained in an auto accident.
  • Rental reimburse­ment -Helps pay for the cost of a rental car while your vehicle is being repaired.
  • Emergency road­side assistance – Helps with emergency services if your vehicle breaks down.
  • $250, $500, and $1000 deductible options – The amount of money you must pay for an insurance claim before your insurance provider pays any expenses
  • Pet injury protection – Protection for your pets at no additional charge when you choose to have comprehensive and collision.


Metromile discounts and benefits – (Pro)

  • Multi-car discount – With MetroMile you can add multiple vehicles on your policy, which helps you to save on your auto insurance premium.
  • Optimize your trips (App) – MetroMile offers an intuitive app that allows you to track and optimize your trips. This feature will allow you to save and make better decisions. On each trip that you take you can see how your speed varies. You can view your MPG. You can even see how long your drive takes.
  • Monitor your car’s health (App) – One of the most frustrating things in the world is when you are driving and out of nowhere your engine light comes on. With this feature, you are able to get a diagnosis of your vehicle’s condition and decode annoying pesky check engine lights. This might save you a trip to your local mechanic and places that charge you to use their code scan tools.
  • Find your missing car (App) – Have you ever parked somewhere and forgot where you parked? This happens to me every month. With your device’s built-in GPS, you can easily find your vehicle in seconds. If you don’t desire location tracking, then you can turn off the GPS function of the Pulse through the online dashboard.
  • Get street sweeping alerts (App) – Every year in Los Angeles alone, over 400,000 street-sweeping citations are issued. The goal of this feature is to help you avoid going through the hassle of receiving a citation. MetroMile has saved their customers over 3 million dollars in parking tickets. If your vehicle is parked in a street-sweeping zone, you will receive a notification hours before the scheduled street cleaning. This feature is only available in Chicago, Los Angeles, San Diego and San Francisco.


Rideshare Insurance – (Con)

Unfortunately for those who drive for ridesharing companies such as Uber and Lyft, MetroMile no longer insures vehicles on ridesharing platforms.


Different insurance products – (Con)

When a company offers various insurance products, then you will be able to bundle and save on your auto policy. The more products that you can bundle the more that you will be able to save.

At the moment MetroMile does not offer homeowners, health, life, boat, motorcycle, or umbrella insurance. For now, MM only offers automobile insurance.


Financial strength – (Pro)

A.M. Best is important because it provides ratings for clients and consumers alike to know which insurance companies are the best.

MetroMile has an excellent “A-” financial strength rating with A.M. Best. This means that they are more than capable of paying auto insurance claims.

National General Insurance Group is the underwriter for MetroMile, which means that MetroMile is backed by billions of dollars in assets. National General Insurance Company has an “A+” rating with the Better Business Bureau. Currently, MM is transitioning and new personal policies are going to be underwritten by MetroMile Insurance.

Get a MetroMile quote in 3 minutes.


MetroMile can still be used on long road trips! (Pro)

MM customers do not have to worry about the cost of long trips. Your daily mileage charges are capped at 250 miles, which means that you will not be charged a dime when you go over. For New Jersey drivers, your daily mileage chargers are capped at 150 miles.


Claims/overall reviews: (Pro/Neutral)

With everything in life especially insurance there is going to be a side with good experiences and there is going to be a side with bad experiences. Better Business Bureau (BBB) gave MetroMile an A+ rating. MetroMile has the funds to pay out claims and I’ve heard great things about their overall claims satisfaction.

Whether you check Reddit or Yelp MetroMile has positive reviews online. Many people were left satisfied with the way their claims have been handled and thrilled about their savings. However, there are some negative reviews from customers who were left unsatisfied. Below I have posted quick reviews from both sides.


Satisfied customers

  • Joseph Valenzuela‏  – Exited I’ve made the switch to Metromile.
  • Kathy‏ – I promise you MetroMile is the best insurance out there if you don’t travel far for work. I get some awesome coverage for $80-$100 a month.
  • Kelly Pedersen – I switched my insurance to MetroMile and not only am I saving $100/mo, I got an email this morning telling me I was parked in a street sweeping zone which included info on which side of the street/times. This is the type of support I need!
  • Ashton Renshaw – I’ve had 3+ years of service! I was an original tester of the first device. It was a great experience and saved me tons of $. Unfortunately will be cancelling today due to selling my car – ill be back!
  • Dinesh Dave -‏ It’s pretty awesome when your auto insurance company sends you hand written notes. Honestly, the best customer experience I’ve ever had.
  • Noam Segal – MetroMile cut my car insurance bill in half. I hope I never need to use them but I’m glad that they have created such an affordable service, and excellent app!
  • Chloe Newsom‏ – Really weird to say I love my car insurance company but I really do. Best switch I ever made was to MetroMile.
  • Sue – PayPerMile car insurance is a real thing  I have enjoyed paying WAY less for my car insurance for my rarely driven car. Been with MetroMile over 2 years now.
  • Rakki Muthukumar‏ – Pleasantly surprised by MetroMile this morning! Great customer service. Highly recommended.
  • José Rivera – I switched from Progressive was paying for two vehicles $178.00 a month. My other vehicle I rarely drive, my 1st bill is $73.26 with M.M. 👍😎



  • Kaitlin‏ – Worst insurance ever. Getting over charged and due to poor customer service I’m leaving.
  • Parmendra Tyagi‏ –  Waited for 30 minutes over the phone to talk to an agent for clarification about coverage. No Show. It sucks!
  • James Hu – Worst services ever. Pathetic insurance with no guarantee for any service. You should close your shop. I have a claim pending from the last 6 months. The 3rd party road side assistance partner will ensure that one starves before they reach.
  • John – MetroMile roadside assistance is terrible. Waited 3 hours today in sweltering heat and still no tow truck. Now my mechanic is closed.


I was easily able to find far more positive reviews than negative ones. All claims can be easily handled through the MetroMile app. Whether it’s a glass or windshield claim or any other claim you can file immediately and receive an appraisal to get back on the road.

In 2017 MetroMile introduced AVA, their new Al claims assistant who quickly verifies and resolves insurance issues. Al automates the things that don’t need a human touch. Al also helps customers to find repair shops, schedule rental cars, and set up and process payments for claims.


Is MetroMile legit or not?

If you like fixed bills, then MetroMile might not be for you. However, MM is definitely worth it for both old and young drivers. They offer competitive insurance rates for those who are trying to save hundreds and their customers are given a plethora of insurance features through their app. With MetroMile you are not tied down and you can leave any time that you want.


Check to see how much you will save today!

Get a MetroMile quote here –  3 Minute completion

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