Metromile pay-per-mile car insurance only charges you based on the miles that you actually drive, which can save low-mileage drivers (under 200 miles per week) up to $500 a year, so if you don’t drive that often, you can pay less for car insurance.
According to Metromile, the majority of us drive less than 10,000 miles a year, but we still pay the same rate for car insurance as high-risk, high-mileage drivers.
If you barely drive your car, have a close commute, or only use your car on the weekends, Metromile pay-per-mile insurance will only charge you a low monthly rate that is equal to just pennies per mile that you drive.
Metromile is perfect for millennial, seniors, commuters, tech industry professionals, people that live in cities, people with active lifestyles, people who work from home, and anybody else that doesn’t drive that much.
Metromile is available in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington, so if you are a qualified resident who drives less than 200 miles a week, you could save a ton of money on car insurance.
If you don’t live in a qualifying state, you can also try these Allstate Auto Insurance Promotions that can save you money for being a safe driver.
How Metromile Saves Low-Mileage Drivers Money
Metromile pay-per-mile insurance allows you to pay a low monthly base rate plus a few cents per mile when you drive.
At the end of the month, your bill is your base rate plus how many miles you drove at your per-mile rate.
Metromile offers 4 different levels of liability protection as well as choices for your comprehensive and collision deductibles.
Just like with other insurance companies, several factors can influence your rate, including age, type of vehicle and driver history.
Metromile Pricing (Rates Vary)
- Base Rate: $30
- Per-Mile Rate: $0.03 Per Mile
- Miles Driven Per Month: 500 (Varies)
- Monthly Total: $30 + ($0.03 x 500) = $45
- Rates Vary with Driver.
Overall, pay-per-mile insurance is fairer for low mileage drivers (people who drive under 30 miles per day), because your bill is based on how many miles you drive.
If you spend less time behind the wheel, you will spend less money on insurance.
What About Road Trips?
The great thing is that if you decide to go on a road trip, you are not charged for the miles that you drive above 250 miles per day (150 miles per day in New Jersey).
In our rates example above at $0.03 per mile, you would only pay a maximum of $7.50 per day for your miles driven charges if you drove the full 250 miles or more in a single day.
This means that you won’t pay inflated rates if you decide to travel across the country.
How Metromile Pulse Works and Tracks Miles
When you sign up for Metromile pay-per-mile auto insurance, they send you a free Metromile Pulse device to track your mileage.
The Metromile Pulse is a small free wireless device that easily plugs into your cars OBD-II port and securely counts your miles to determine your total monthly bill.
The Metromile Pulse is super simple to install, and once in place, it also transfers data to the Metromile App, which gives you access to all of your car’s performance information.
Metromile does not consider other driving factors such as how fast you drive or how hard you brake, just how many miles you drive.
So the less you drive, the lower your monthly bill will be, giving you complete control over how much you pay for car insurance.
The Metromile App in conjunction with the Metromile Pulse can provide you with access to vehicle diagnostics, trip tracking, billing, insurance claims, vehicle locator, street sweeping alerts, and more.
Metromile Referral Program $20 Gift Card Rewards
Metromile’s Referral Program will give you a $20 Amazon Gift Card for every friend that you refer who gets a varified Metromile quote.
In order for you to qualify, your referral must be a new visitor and have a valid driver’s license to receive a quote.
Your referral must have navigated to the page that displays their quote in order for you to qualify for the reward.
You can visit www.metromile.com/refer and enter your email address to share Metromile with your friends via email, Messenger, Facebook, and your unique referral tracking link.
Unfortunately, the new customer that you refer does not receive any incentive to join via your referral, but you could always offer to split your reward with them in order to share the bonus.
The Amazon Gift Cards will be emailed in 2 to 3 weeks after the referred customer receives a verified Metromile quote.
You can earn a maximum of 10 qualified referral rewards per calendar year (limit of $100 per person per calendar year applies in Washington).
Please feel free to share your experiences with using the Metromile pay-per-mile car insurance company along with your referral links in the comments below this article.
You may also be interested in this Root Car Insurance Quote Promotion to earn an extra bonus when you receive an auto insurance quote.