What companies offer pay-per-mile insurance? This question is about Pay-Per-Mile Car Insurance

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 Mile Auto 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 Metromile AR, CA, IL, NJ, OR, PA, VA and WA Plug-in device Monthly base rate plus a per-mile rate Noblr by USAA 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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What companies offer pay-per-mile insurance?

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This question is about Pay-Per-Mile Car Insurance

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Catherine C Ford, Writer

@catherine_ford_1 • 11/10/22 This answer was first published on 11/10/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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
Mile Auto	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
Metromile	AR, CA, IL, NJ, OR, PA, VA and WA	Plug-in device	Monthly base rate plus a per-mile rate
Noblr by USAA	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.

What is the Milewise daily cap?

Does Liberty Mutual offer pay per mile insurance?

No, Liberty Mutual does not offer pay-per-mile insurance, though they have a discount program called RightTrack, which awards savings based on a customer’s driving habits. RightTrack monitors how well and how often a customer drives for a 90-day trial period and applies a final discount once the trial is over.

Key Things to Know About RightTrack

The RightTrack app or plug-in device monitors the total miles you drive and driving habits like...

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Is Metromile legit?

Yes, Metromile is a legitimate insurance company that offers pay-per-mile car insurance. Metromile is also a safe bet financially, according to major insurance rating agencies, and it has a relatively high customer satisfaction score.

Why Metromile is Legit

Metromile offers coverage in AZ, CA, IL, NJ, OR, PA, VA, and WA.
Metromile has been in operation since 2011 and is currently headquartered in San Francisco, CA.
Metromile has an A+...

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