Metromile car insurance review: if you drive fewer than 10,000 miles per year, this pay-per-mile insurer could save you hundreds. Metromile pioneered usage-based auto insurance in the United States. The company charges a low monthly base rate plus a few cents per mile driven. An OBD-II device called the Pulse tracks your mileage automatically. Lemonade acquired Metromile in July 2022 for approximately $500 million. As a result, Metromile is now a Lemonade subsidiary. The brand is currently winding down, and new policies are no longer available. However, existing policyholders can still manage their coverage. This Metromile car insurance review covers everything drivers need to know about pricing, coverage, and customer satisfaction. The pay-per-mile model was available in eight states: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington.
Metromile Coverage Options
Metromile offers standard auto insurance coverages similar to major carriers. These include bodily injury liability and property damage liability. Collision and comprehensive coverage are available as optional add-ons. Uninsured and underinsured motorist protection is also offered. For example, comprehensive covers theft, vandalism, hail, fire, and animal damage. Personal injury protection and medical payments coverage round out the standard options.
In most cases, this Metromile car insurance review finds the coverage lineup comparable to traditional insurers. Roadside assistance is included at no extra charge. Rental reimbursement is available as an optional add-on. The company also offers a collision deductible waiver in select states. This waives your collision deductible if an uninsured driver hits you. Emergency crash assistance comes standard with every policy.
Metromile added EV-specific coverages as well. These include emergency EV charging coverage and EV charger equipment protection. However, these niche options are only relevant to electric vehicle owners. Most competitors do not offer these EV add-ons yet.
Metromile Discounts Available
Metromile’s biggest discount is built into its pricing model. Low-mileage drivers automatically pay less each month. However, the company does offer several traditional discounts too. The Ride Along safe driving discount can save up to 40% on your base rate. It uses data from the Pulse OBD-II device during a trial period. Multi-vehicle discounts are available for insuring more than one car on the same policy.
As part of this Metromile car insurance review, we found additional savings options. Anti-theft device discounts require documentation of your security system. Homeowner discounts are available in some states. Since the Lemonade acquisition, policyholders can bundle with Lemonade renters or homeowners insurance. However, Metromile lacks many discounts offered by larger carriers. Good student, military, and paid-in-full discounts are not available. Typically, the per-mile savings outweigh what traditional discount stacking provides.
Metromile Customer Ratings and Satisfaction
Customer satisfaction is a weak spot in this Metromile car insurance review. The company is not rated by J.D. Power or AM Best. This means there is no independent financial strength rating available. The NAIC complaint index ranges from 4 to 16 times the industry average. For context, a score of 1.0 is the national baseline. Metromile’s score far exceeds that threshold across multiple years of data.
Third-party review sites show mixed results. Trustpilot reviewers give Metromile just 2.1 out of 5 stars. The BBB profile shows a 2.06 out of 5 customer rating. However, Clearsurance users rate the company 4.12 out of 5. Google Reviews average 4.4 out of 5 stars. Typically, satisfied customers praise the low monthly costs. Dissatisfied customers cite slow claims handling as their main frustration.
Claims processing is the most common complaint in reviews. Customers report difficulty reaching adjusters after filing a claim. Slow resolution times appear frequently in negative feedback. Some California policyholders reported renewal rate increases exceeding 70% without any claims. As a result, potential customers should weigh the upfront price savings against these service concerns carefully.
Our Metromile Car Insurance Review: Pros and Cons
Pros:
- Average annual cost of roughly $782 compared to the national average of $1,924 — savings of up to 59% for low-mileage drivers
- Daily mileage cap of 250 miles prevents excessive charges during road trips or long-distance drives
- Free roadside assistance and Pulse device with trip tracking, car location, vehicle diagnostics, and street sweeping alerts
Cons:
- NAIC complaint index runs 4 to 16 times the industry average, indicating significant customer service issues
- Available in only 8 states and no longer accepting new customers as of 2025
- No J.D. Power or AM Best ratings, making independent financial stability assessment difficult
Who Should Choose Metromile?
This Metromile car insurance review identifies several ideal customer profiles. Remote workers who drive under 5,000 miles per year benefit the most. These drivers could pay as little as $29 to $50 per month. Retirees with limited driving needs also see significant savings. For example, a driver logging 500 miles monthly would pay roughly $54 with a $29 base rate and $0.05 per-mile charge.
Metromile is typically not a good fit for high-mileage commuters. Drivers exceeding 12,000 miles per year will likely pay more than traditional insurance. The break-even point sits around 10,000 miles annually. Urban drivers who rely on public transit most days are strong candidates. Households with a second car used only for weekend errands also benefit significantly from pay-per-mile pricing.
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However, this Metromile car insurance review must note a critical caveat. The brand is no longer accepting new customers. Lemonade now offers pay-per-mile coverage in Arizona, Oregon, and Washington under its own name. Prospective customers should check Lemonade’s car insurance page for current availability. Existing Metromile policyholders can continue managing their coverage through the Metromile app.
Frequently Asked Questions
Is Metromile still available for new customers in 2026?
No. This Metromile car insurance review confirms the brand stopped accepting new policies after Lemonade’s 2022 acquisition. New customers are now redirected to Lemonade’s website. Existing policyholders can still manage their accounts through the Metromile app.
How much does Metromile car insurance cost?
Based on this Metromile car insurance review, base rates start at $29 per month plus $0.02 to $0.07 per mile driven. Low-mileage drivers average roughly $782 per year. That is about 59% less than the national average of $1,924 annually.
What is the Metromile Pulse device?
The Pulse is a free OBD-II telematics device that plugs into your car’s diagnostic port. This Metromile car insurance review found it tracks mileage, trip history, and vehicle diagnostics automatically. It also enables car location tracking, street sweeping alerts, and real-time billing updates.
Does this Metromile car insurance review recommend the company?
For existing low-mileage policyholders, Metromile offers strong value with potential savings of 59%. However, new customers should explore Lemonade Car for pay-per-mile coverage instead. The claims handling concerns noted in this Metromile car insurance review warrant careful consideration before committing.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed May 2026. If you notice any outdated information, please contact us.