Metromile Insurance Review
- With 2.2/5 stars in 2024, Metromile is a below average insurance company.
- Read Metromile reviews, complaints and prices before you buy.
Metromile insurance: Ratings and reviews
Overall, motorists who don't drive all that much — and who are okay with their driving habits being tracked — could find Metromile insurance beneficial. It offers many of the standard coverage options available from other auto insurance companies, such as liability (bodily injury and property damage), collision, comprehensive, under/uninsured motorist and medical payments. Have a look at our full review below.Â
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Low-mileage drivers could see some savings
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Tech-based approach may bring convenience and ease
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Variety of coverage options may be lacking
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Available in just eight states
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Auto insurance is the company's sole offering
Is Metromile a good insurance company?
The majority of The Zebra's review incorporates how well Metromile scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Trustpilot Reviews: 2/5
- Progressive earned 2/5 from Trustpilot[1]
BBB Customer Reviews: 2.41/5
- Better Business Bureau customers gave Metromile a 2.41/5 rating[2]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Metromile [3]
Financial Strength: Not Rated
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Metromile for it to be included.
Metromile vs. other top insurance companies
How much does Metromile insurance cost?
Currently, the national average for a 6-month car insurance policy is $880, whereas Metromile is about $760Â or roughly 14%Â cheaper than a typical policy.
The table below shows how Metromile auto insurance compares against other top insurers.
| Company | Avg. Monthly Premium |
|---|---|
| Root | $56 |
| Nationwide | $123 |
| Metromile | $127 |
| GEICO | $129 |
| State Farm | $131 |
| Progressive | $157 |
| Allstate | $201 |
Similar to any insurance company, pricing for Metromile auto insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows Metromile's car insurance premiums for different age brackets.
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $469 |
| 20s | $186 |
| 60s | $154 |
| 30s | $143 |
| 40s | $137 |
| 50s | $130 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
Metromile doesn't advertise discount options — the company claims to offer you the best rate that it can after your initial ride-along. This is done by measuring a driver's habits through the initial test drive as well as the mileage. As such, don't expect discounts from Metromile, and instead, take a close look at the outcome of your ride-along.
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What types of coverage does Metromile offer?
The company provides the standard coverage options (liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, etc.) offered by most car insurance companies, but not much beyond this.
Customers with special coverage needs may find some of these options limiting. The company also offers:
- Collision deductible waiver: This coverage waives your deductible should you be in an accident with an at-fault uninsured driver (availability is limited and stipulations apply).
- Roadside assistance: This common coverage assists drivers with issues like flat tires, battery jump starts, lockout services and more.
Read more about Metromile's coverages here.
How Metromile works
You pay a base rate + pennies on the mile: Metromile applies a usage-based insurance formula based on how many miles you drove the previous month. The company starts with a base rate determined by traditional rating factors such as what kind of car you drive, your age and more. But Metromile then adds their special sauce: your actual mileage multiplied by a cost-per-mile fee. The result is simple: if you drive less, you pay less. Metromile tracks your mileage using a wireless device that plugs into your car's diagnostic port.
Metromile does not monitor a driver’s behavior (aside from miles driven) to calculate your rate. So if you’re inclined to hard braking and swift turns, Metromile may be a better option for you than Root, which takes those actions into consideration.
Metromile insurance review: Summary
Metromile is a good example of an insurance company that could be very good for some drivers (specifically those who seldom drive or are low-mileage drivers) and not-so-great for others. Its availability nationwide and coverage options are still lacking, and while Metromile's tech-forward philosophy and usage-based model may appeal to some, drivers should remember that the company has below-average reviews from third-party sources, unknown financial strength (which correlates to a company's ability to pay for claims) and an above average number of consumer complaints. In other words, proceed with caution with Metromile.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Metromile insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.