Allstate Milewise is an average pay-per-mile car insurance program that can save infrequent drivers money on their premiums. Overall, Allstate Milewise is rated 2.9 out of 5 stars by WalletHub editors, based on factors like possible savings and customer reviews.
Key Things to Know About Allstate Milewise
- In most states, your rates are based on the number of miles you drive in addition to the traditional factors that affect car insurance.
- In AZ, FL, MA, MN, MO, OK, PA, SC, TX, and WI, your rates are also affected by your driving behavior such as speeding and sudden braking.
- You can choose a pay-per-mile option, the unlimited option (which only charges you a daily rate), or a combination of both (if you own multiple vehicles you can choose a different option for each vehicle).
- Customer reviews of the Allstate app average 4.3 out of 5.
- Allstate Milewise is available in Arizona, Delaware, Florida, Idaho, Illinois, Indiana, Maryland, Massachusetts, Minnesota, Missouri, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington, West Virginia, and Wisconsin.
What Is Allstate Milewise?
Allstate Milewise is a pay-per-mile insurance program that tracks your mileage using telematics, a technology that transmits data long distances via wireless devices. Customers can choose the pay-per-mile vehicle option, the unlimited vehicle option, or a combination of both.
With the pay-per-mile option, you pay a flat daily rate plus a few cents for every mile you drive. You can choose the unlimited option for vehicles that you may still drive a lot. With the unlimited option, you pay a slightly higher flat daily rate, regardless of your mileage. In most states, the miles you are charged for are capped at 250 miles per day (150 in OR, IL, IN, OH, and NJ).
Allstate introduced Milewise to help customers who drive less than the average person save on their premiums, since they are less likely to get into an accident or file a claim. Milewise is currently available in 21 states. It is separate from Allstate’s other usage-based insurance program, Drivewise.
Allstate Milewise vs. Drivewise
| Program | Milewise | Drivewise |
|---|---|---|
| What is it? | Car insurance policy | Car insurance policy add-on |
| What is tracked? | Miles driven | Speed, hard braking, time of day driven |
| How is driving tracked? | Plug-in device and Allstate app | Allstate app* |
| Where is it available? | AZ, DE, FL, ID, IL, IN, MD, MA, MN, MO, NJ, OH, OK, OR, PA, SC, TX, VA, WA, WI, and WV | 49 states |
| Offers discount? | Varies | Up to 40% for safe driving |
| How are my rates calculated? | Monthly base rate + a few cents for every mile driven | Same as a regular policy + Drivewise discount |
*For drivers in Alaska, Drivewise requires a plug-in device
You may want to consider Allstate Drivewise instead of Milewise if you drive a lot but you are a safe, careful driver who does not mind being monitored for insurance purposes. On the other hand, if you do not drive a lot, then Milewise is probably the right choice.
How to Use Allstate Milewise
- Sign up for an Allstate Milewise policy
- Receive the Milewise device in the mail
- Plug in your Allstate Milewise device to your vehicle’s diagnostic port
- Get the Allstate app
- Monitor your mileage and the cost of your policy
A red light on the device will flash briefly once it is installed. Once installed, the device will start tracking your miles.
Aside from sending information on your mileage to the company, the Allstate mobile app includes features such as crash detection, personalized driving feedback after every trip, and a dashboard that shows your estimated savings in comparison to a regular policy. It’s also worth noting that the app’s reviews are positive overall.
Allstate Milewise Pros and Cons
| Pros | Cons |
|---|---|
| You can save money on your premiums | Requires the collection of data, which may raise privacy concerns |
| You can earn points for safe driving through Allstate rewards* | Will track driving information even when you are a passenger in your car |
| You can get personalized driving feedback | Requires the use of a device plugged into your vehicle’s diagnostic port |
*Allstate rewards points can be redeemed for merchandise, gift cards for shopping and travel, magazines, and more.
Is Allstate Milewise Worth It?
Yes, Allstate Milewise is worth it for people who drive less than the average driver, such as stay-at-home parents, retirees, or people who work from home. It’s worth trying the program if you’re comfortable with the company’s data and privacy policies and believe you have a lower annual mileage than the average driver.
If you decide that Allstate Milewise is worth it for your particular circumstances, you can enroll by calling your agent if you are an existing Allstate customer or the Milewise line at 877-389-0047. You can also contact Allstate customer service at 1-800-726-6033 if you’re unsure whether Milewise is available in your state.
Allstate Milewise vs. Popular Competitors
| Insurance Program | Factors for Calculating Pricing | Availability |
|---|---|---|
| Allstate Milewise | Policyholders pay a daily rate plus a per-mile rate Trips costs are deducted from account after each trip Per mile costs are charged only for the first 250 miles/day (150 in OR, IL, IN, OH, and NJ) | AZ, DE, FL, ID, IL, IN, MD, MA, MN, MO, NJ, OH, OK, OR, PA, SC, TX, VA, WA, WI, and WV |
| Metromile | Driver pays a monthly base rate (from $29) plus a per-mile charge Per mile costs are charged only for the first 250 miles/day (150 miles/day in NJ) | AZ, CA, IL, NJ, OR, PA, VA and WA |
| Nationwide SmartMiles | Driver pays a base rate plus a per-mile charge (up to 250 miles per day) Maximum 10% discount for safe driving after the first renewal | All states except AK, HI, LA, NC, and NY |
| Mile Auto | Driver pays a base rate plus a per-mile charge Instead of a tracking device, Mile Auto just uses a picture customers take of their odometer to track mileage | AZ, CA, FL, GA, IL, OH, OR, PA, TN, TX, WI |
Methodology for Reviewing Allstate Milewise
WalletHub editors evaluated Allstate Milewise in the following categories:
- Average of Google and Apple app ratings
- Whether the program can increase a driver’s premium
- Overall WalletHub editor rating for the entire company
- Ease of accessing privacy and data disclosures
Information was gathered from Allstate’s website, Google and Apple app ratings, and customer service representatives. Each factor was weighted equally in order to calculate the program’s final score.
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