Catherine C Ford, Writer
@catherine_ford_1
Companies that offer pay-per-mile insurance include Allstate, Nationwide, and Metromile. Pay-per-mile insurance is a type of usage-based car insurance that determines insurance premiums based on how many miles a customer drives.
These companies charge a daily or monthly base rate and a per-mile rate based on your actual mileage, which they track using a mobile app or a device that gets plugged into your vehicle. The exact rates are calculated based on factors like location, age, driving history, and vehicle type. Pay-per-mile insurance is not available in every state.
Insurance Companies That Offer Pay-Per-Mile Insurance
Insurance Company | Available States | How Mileage is Tracked | How They Price Premiums |
Allstate (Milewise) | 21 states, including TX, FL and OH | Plug-in device | Daily rate plus a per-mile rate |
Nationwide (SmartMiles) | 45 states, including CA, TX and FL | Plug-in device | Monthly base rate plus a per-mile rate |
AR, CA, GA, IL, OH, OR, PA, TN and TX | Customers send in photos of their odometer reading | Monthly base rate plus a per-mile rate | |
AR, CA, IL, NJ, OR, PA, VA and WA | Plug-in device | Monthly base rate plus a per-mile rate | |
AR, CO, LA, MD, OH, NM, PA and TX | Mobile app | Monthly base rate plus a variable mile rate |
Noblr is technically pay-as-you-drive coverage, which differs slightly from a traditional pay-per-mile policy. USAA insurance is only available to military members and their families.
Companies that do not offer pay-per-mile insurance may offer discounts for customers that drive below a certain number of miles per year. Auto-Owners, for example, offers a discount for policyholders that drive 10,000 miles or less a year. Discount programs, like Snapshot by Progressive, also offer savings on car insurance premiums based on how many miles you drive and how well you drive.
To learn more, check out WalletHub’s guides on pay-per-mile insurance and usage-based insurance.
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