Metromile Car Insurance

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Metromile created a new pay-per-mile car insurance model allowing low-mileage drivers who qualify to save hundreds of dollars each year. If you drive less, you pay less with Metromile coverage. You pay a low monthly base rate, plus a few cents per mile when you drive. Your monthly bill is then calculated using the base rate and how many miles you drove at your per-mile rate. If you go on an occasional road trip, you aren’t charged for the miles you drive above 150 per day (250 per day in Washington). 

The Metromile Pulse, a free electronic device which plugs into your car’s diagnostic port, counts your miles. Unlike other insurance companies’ telematics discount programs, Metromile doesn’t consider  how fast you drive, how hard you brake or what hours you drive – just how many miles you drive.

Currently, Metromile is available in California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington.

Metromile contact information:

Corporate headquarters

Metromile Insurance
690 Folsom St. Suite 200
San Francisco, California 94107

  • Customer service: 1-888-244-1702
  • Hours: Monday to Friday 6 a.m. to 6 p.m. (Pacific Time)
  • Email:
  • Website:
  • Claims telephone number:  1-888-595-5484 (24/7)
  • Twitter: @Metromile
  • Facebook:
  • Mobile app:

Types of coverage offered (offerings may vary by state):

  • Auto
    • Ridesharing endorsement (currently in California, Illinois & Washington)


Auto insurance discounts offered by Metromile:

Some features can be optional. Offerings may vary by state.

  • Pay-per-mile:  Pay less if you drive less, so boils down to low-mileage or reduced usage discount.
  • Anti-theft discount:  If your car is equipped with anti-theft deterrents you can receive a discount. 
  • Multi-vehicle discount:  If you have more than  one vehicle on your policy, you can receive a discount.
  • Defensive driving discount:  If you have taken an approved accident prevention course, you may receive a discount.

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