# Metromile - Car Insurance — Affordable Car Insurance

> Pay-per-mile car insurance for low-mileage drivers with smart car tracking. (iPhone/iPad app by Fair Auto, Inc.)

- Source: https://appshunter.io/ios/app/metromile-car-insurance/id734641795 (this page in markdown: same URL + `.md`)
- Developer: [Fair Auto, Inc](https://appshunter.io/developer/734641798)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.60/5 from 24,200 App Store ratings · 57 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.7 · 92 MB
- Languages: American English
- Released: 2013-11-13
- Data updated: 2026-06-10
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/metromile-car-insurance/id734641795/reviews.md

## What is Metromile?

Metromile is now a Lemonade company!


Metromile can help save low-mileage drivers an average of $741/year on car insurance. With pay-per-mile insurance, you pay for what you use—so if you drive less, you pay less. Our base rates start at just $29/mo plus a few cents for each mile you drive. Our smart driving app makes car ownership as seamless, affordable and as simple as it can be. And get connected to your car using the ‘Metromile Pulse’, our device that puts important information like your car’s location at your fingertips.

How it works:

Pay-per-mile car insurance means that you pay for what you use. Install Metromile App or visit our website and get a free car insurance quote. We start with a low, monthly rate, and then charge a low per mile rate for each mile you drive. As simple as that. Using the Pulse device, you can know your car’s location, know when street sweeping is happening, where you’re parked, check your miles, review your trips, and more. Choose from a list of coverage options and get the coverage you want, for a lot less. Log in or scan your license for an affordable quote. Sign up today and start saving.

Why choose Metromile car insurance?

- Pay-per-mile insurance is an affordable car insurance for low mileage drivers
- Get 24/7 support from our claims team
- File a claim from the app with our guided, step-by-step process
- All miles over 250 (or 150 for New Jersey drivers) per day are free
- Get the same great coverage you’re used to, for less
- Make your car a smart car with our App and Pulse device

Change your car insurance policy wherever, whenever

- Add more drivers
- Edit your personal information
- Personalize your coverage
- Get proof of insurance cards

Get connected to your car

- Review your trips to check your mileage, fuel cost, and time driving
- Find your car if it’s ever lost or stolen. Plus, we have a 94% stolen car return rate.
- Understand your car’s engine codes
- Avoid fines with street sweeping alerts sent directly to your phone (available in San Francisco, San Diego, Chicago, and the cities of Los Angeles, West Hollywood, and Santa Monica).

To sign up for pay-per-mile insurance, visit our website: https://metromile.com.

Connect with us on social platforms:

https://www.facebook.com/Metromile
https://www.instagram.com/metromile/
https://twitter.com/Metromile
https://www.linkedin.com/company/metromile/

We are currently available in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington. Drivers in other states can sign up for our waitlist for an emailed notification of availability.

Note: Not all car makes and models are compatible. Continued use of GPS running in the background can decrease battery life.

Disclaimer for savings: Average annual car insurance savings by new customers surveyed who saved with Metromile in 2018.

© 2022 Lemonade Inc. Metromile is part of Lemonade, Inc. The Lemonade and Metromile trademarks may be used only with permission from Lemonade. All rights reserved. Some insurance products are underwritten by insurers in the National General Insurance Group. Other insurance products are underwritten by Metromile Insurance Company , 425 Market Street, Suite 700 San Francisco, CA 94105

Metromile Insurance Services LLC License Numbers:
Arizona – 300214354
California – 0H79351
Illinois – 100676535
New Jersey – 1595718
Oregon – 100171058
Pennsylvania – 744983
Virginia – 137933
Washington – 833383

## Key features

- Pay-per-mile insurance for low-mileage drivers
- Smart driving app with car tracking
- Street sweeping alerts
- 24/7 claims support
- File claims via app
- Free miles over daily limit

## What do users think of Metromile?

Overall sentiment: mixed

**Pros**

- 💰 Affordable insurance
- 🚗 Convenient pay-per-mile model
- 📊 Detailed driving analytics
- 🔍 Helpful vehicle tracking
- 🌟 Excellent customer service

**Cons**

- 🐛 Buggy app and device issues
- ⏱️ Long wait times for claims
- 🤖 Poor communication and responsiveness
- 💰 Unexpected rate increases
- 🔋 Battery drain from device

**Commonly reported bugs**

- App crashes and freezes
- Device connectivity issues
- Inaccurate mileage tracking
- Billing errors and unexpected charges

**Most requested features**

- Improve app stability and user experience
- Enhance claims processing and communication
- Provide more transparency on pricing and policy changes
- Optimize device performance to reduce battery drain

## Recent user reviews (10 of 57)

All indexed reviews: https://appshunter.io/ios/app/metromile-car-insurance/id734641795/reviews.md

### 3/5 — Great for Savings but Claims needs Work

*2023-12-28*

I definitely love Metromile for the savings they provide when I’m not driving; it has literally cut my insurance in half! The problem I have is the extensive wait times to get an update on my claim.  Getting someone on the phone for claims is a 30+ minute wait when my current position is 5 in the queue which is unacceptable!  Its like they have literally 1 person working the phones everyday.  Using the call back option is a gamble because I’ve tried it and they never called me back which I’ve lost days in providing information to the car shop.  What was supposed to be a 2 week fix and paint job ended up being double the time due to the back and forth with claims and the non-communication between them and the shop that I had to play facilitator between the two groups.  Savings on car insurance due to this ordeal has now become more of a hassle so not sure if its worth it anymore.

### 3/5 — So long… Metro Mile! 3 Star review

*2023-11-22*

For 3.5 years, I have utilized their services; they are reasonable, but at what cost? First off, this program constantly tracks your car, which means you give up a lot of privacy. The Pluse gadget requires continuous electricity from your car's battery, which causes a parasitic drain. Fortunately, my Durlast Gold battery from Auto Zone was warranted and replaced each time. Yet, still inconvenient when your car won't start after sitting for three to four days. Customer service was prompt to let me know of any loss of signals and even waived a few charges. Not the worst experience, i wouldn’t consider it again.

### 1/5 — About this insurance by all means

*2023-11-14*

I was going to change that insurance for a long time due to overpriced rates but was always forgetting to do it, unfortunately. 

Recently, I got in a car accident (hit and run) and got moderate rear back damages. I made a claim online, submitted all requested info and went to a body shop for a preliminary estimation. 

Metromile automatically issued a ridiculously small estimate (about 5-8x less than real damage).  I got email from an advisor that Metromile will send a check and then can accept supplements from body shop. Both me and body shop had a question to insurance and tried multiple times to call, left many voice mails, sent several emails - zero response in one week! Customer service is non existent! Advisor name is Jessa Furmick. 

Something to think about - if you open Metromile web site as a customer and went to login - good luck to find how to login. Whole UX is targeted to new customers and sales , existing customers? Who carers? 

Another thing - Metromile positions itself as a tech age insurance. In fact,  it’s 2023 and their online chat bot is extremely dumb. I logged in (again, good luck with that) and bot still had asked my email. Ok, provided. Want to connect to agent. Asking email again. Ok, gave it again. It’s 1hr min , weekday, working hours, still waiting for response …

### 3/5 — The app recently stopped working unless you grant it permission to access location

*2023-06-01*

I do not share my phone location with apps. I find this feature to be invasive. The metromile  app recently started to require that permission in order to access the app interface. It also asks for motion information, though I’m not sure if both settings prevent you from accessing the app. The sensor and tracker on my car should suffice for tracking mileage as it always has before. My driving record can be used to determine whether I am a safe driver as it always has before.

Now I will need to rely on a printed version of my insurance info. which is fairly inconvenient for me. At least mail the insurance cards out if you are going to lock the app behind a softwall.

### 1/5 — Metromile is a SCAM!  AVOID AT ALL COST!

*2023-05-22*

Despite claiming they only charge for
Miles driven, their device is buggy and has no power source of its own.  My battery has not been keeping a charge and that has resulted in hundreds of dollars in disconnection charges.  Reading though their negative reviews I just discovered that their device will drain your battery.  What a SCAM! Even after I told them about the issue my report expired after 2 weeks, a totally random amount of time, and they started their charges all over again. This fee is charged DAILY!  If you overdraft your banking account you get one charge.  They don’t charge you again every day until you make a deposit.  Be smart and select any other insurance company on earth over this one.

### 1/5 — Ruined By Lemonade

*2023-04-22*

I had Metromile previously when I wasn’t driving much, before they were bought out by Lemonade. I had no issues back then and was easily able to cancel my policy when I was driving more abs needed to change to a traditional insurance plan. 

I signed up about a month ago and it’s been a nightmare since. It took more than a week for them to let me know I couldn’t have anyone else on my registration in order to insure me, this wasn’t an issue previous. I decided to go with a different insurer due to the hassle and let them know this. 

It’s been weeks and I still haven’t been able to cancel. First there was no response back aside from that they were charging me money because I hadn’t plugged in my device. Right, because I canceled my policy, emailed again. Still nothing. Tried support chat, which stalled multiple times or said was temporarily unavailable. Tried to call, phone lines were unavailable in the middle of the day on a Friday. Finally got another support agent to respond and still no confirmation of cancellation, just another no signal charge alert. 

Avoid them at all costs, especially if you don’t have the time to play support tag just to cancel your policy, which you should be able to do straight from their app with a click.

### 1/5 — Doesn’t effectively use notifications, it at all

*2023-02-21*

Apparently I received a single email about 2 months ago warning me that my car insurance would be cancelled if I didn’t take action. The app never sent any notifications, and I didn’t see the email. 

Fast forward to today, my policy was promptly cancelled. What’s worse, Metromile then told me they can’t renew digitally, and that because I’m in California, it’ll take 2 weeks before I can get a new quote. So I’m sans car insurance for up to two weeks. To top it off, I’m planning to go out of town in a week, so now I have to notify the DMV that the car will not have insurance for the foreseeable future. 

 All because of a single unread email from two months ago. The app should really send notifications for something so important.

### 3/5 — Good, cheap coverage; bad customer service

*2023-02-06, version 2.51.1*

The app is fine. Most of the functions work OK most of the time. The insurance is certainly cheaper than any other company I’ve received quotes from — we typically drive around 7500 miles per year. I’ve had to use the coverage a couple of times, and I had zero problems with claims. Of course, the rates went up after these events, but remained cheaper than competitors. Unfortunately, if you buy a new car, adding that car to your policy is absolute torture, and customer service is not very helpful. You’re supposed to be able to do this via the app; however, I’ve changed cars twice, and both times the app did not work and said that I had to call a phone number.  Since I’m not likely to spend 5 hours in a dealership buying a car during the workweek, I had to call this number on the weekend twice.  Nobody is there.  The dealer did not want to allow me to buy the car without insurance, so I very nearly had to get a short-term policy to cover me until I could get in touch with Metromile.  Ultimately the dealer relented and let me go, as long as I promised to call Metromile on Monday.  But I just don’t understand how Metromile can, in good conscience, not offer any support whatsoever for people who shop for cars on weekends or holidays.  I have a feeling I’m not the only one in this situation.

### 5/5 — Highly satisfied

*2023-01-27, version 2.51.1*

We’ve been with Metromile auto insurance since 2018.  No regrets in choosing this because it’s a PAY PER MILE thing. Meaning, this kind of auto-insurance caters to drivers who don’t use their vehicles frequently. For practicality, this is the answer in order to save money. Thanks Metromile. More power!  :-)

### 1/5 — Gaslighting Scam

*2023-01-21, version 2.51.1*

This company is terrible. We’ve been with them for about 3 years now and all they’ve done is raise our rates. There’s no context for it, they just go up for no reason. The last rate hike was met with a nice message saying I’m a safe driver and I’m getting rewarded with a discount! Even though my rate went WAY up. LOL! That’s some good gaslighting there guys! The base rate is higher than our last normal car insurance now. The app also requires that you have location tracking on all the time now, which is shady and completely unnecessary. We are canceling them and moving on. Don’t get scammed by these guys.

## Frequently asked questions about Metromile

### What is Metromile car insurance?

Metromile offers pay-per-mile car insurance, meaning you pay a base rate plus a small amount for each mile you drive. This model is designed to save money for drivers who don't drive very often. The app also provides features to connect you to your car.

### How does the pay-per-mile system work?

You get a free quote and then pay a low monthly rate plus a per-mile rate for each mile driven. Miles driven over 250 per day (or 150 in New Jersey) are free. This allows drivers to pay for what they use.

### What features does the Metromile app offer?

The app, along with the Metromile Pulse device, allows you to track your car's location, see where you're parked, check your mileage, review trips, and receive street sweeping alerts in supported cities. You can also manage your policy and file claims.

### Is Metromile available in my state?

Metromile is currently available in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, and Washington. Drivers in other states can join a waitlist for availability notifications.

### How much can I save with Metromile?

Low-mileage drivers can potentially save an average of $741 per year on car insurance. The savings depend on how much you drive, with the pay-per-mile model directly benefiting those who drive less.

## Version history (last 5 releases)

### 2.54.0 — 2025-01-07

Various enhancements and bug fixes.

### 2.53.0 — 2024-11-24

Various enhancements and bug fixes.

### 2.52.0 — 2023-09-19

Various enhancements and bug fixes.

### 2.51.5 — 2023-08-28

Various enhancements and bug fixes.

### 2.51.3 — 2023-08-02

Various enhancements and bug fixes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*