What companies 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 hard braking, acceleration, and the time of day when you drive.
• The RightTrack program is free, but data charges for the app can apply.
• During the trial period, you will receive a 10% discount.
• A final discount of 5% to 30% is then applied after the 90-day trial period for the life of your insurance policy.
• The program is available to customers in 41 states and Washington D.C.
• The plug-in device is only available in New York.
• The plug-in device has to be inserted into your car’s OBD-II port and is compatible with most cars from 1996 or later.
• Customers need to drive at least 125 miles during the 90-day trial period.
• There is no daily mileage cap, base rate, or per-mile rate.
• There are no mileage restrictions or requirements after the 90-day period ends.
• The RightTrack discount can be transferred to another vehicle if you get a new car and extends to vehicles added to the policy.

If there are other drivers on your auto policy, they are not obligated to enroll in the RightTrack program, but any drivers on your policy who do not participate can reduce your savings.

To learn more, check out WalletHub’s guide on Liberty Mutual’s discounts.

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.... read full answer
• Metromile has been in operation since 2011 and is currently headquartered in San Francisco, CA.
• Metromile has an A+ from the Better Business Bureau.
• Metromile has an average user rating of 4.4/5 on WalletHub.

However, even though Metromile is rated very highly, their rates can be costly. A minimum-coverage car insurance policy with Metromile typically costs $805 per year, which is more expensive than average.

To learn more, check out WalletHub’s complete Metromile review.

Note: Rates are an approximation based on a driver with a clean driving record in California. Actual rates will vary.