Metromile Insurance Review
Metromile is rated 1.8/5 by WalletHub’s editors, based on its limited insurance plans and discounts, high number of customer complaints, and fairly inexpensive sample insurance quotes. The company’s low overall score ultimately reflects how Metromile, which specializes in usage-based (pay-per-mile) auto insurance policies, is not the best choice for every type of driver.
Metromile reviews from consumers also highlight the company’s pros and cons. Some praise affordable prices, but there are lots of complaints about the company’s poor customer service practices, too. Its NAIC rating is 12.59, for example, which means Metromile has received many times more complaints than the average car insurance provider its size.
Despite the complaints and its poor scores in areas like financial stability, discounts offered, and customer service, Metromile has received an A+ rating from the Better Business Bureau (BBB). It also earned good scores from WalletHub for its claims process and transparency. You can learn more about Metromile below.
Metromile Insurance Ratings
- Reviews on WalletHub: 4.2/5
- NAIC: 12.59
- BBB: A+
Metromile Auto Insurance Review Highlights
Rank — Second cheapest quartile among major car insurance companies, according to WalletHub’s research.
Top Discounts — Multi-car discount and Ride Along (save up to 40% off your initial quote for showcasing your safe driving habits).
Basic Coverage Options — Bodily injury liability, property damage liability, medical payments, comprehensive, collision, and uninsured/underinsured motorist.
Extra Coverage Options — Collision deductible waiver, roadside assistance, glass repair, rental reimbursement, pet protection, legal assistance, and income loss coverage.
To help drivers better understand how much Metromile car insurance costs, WalletHub’s editors obtained sample Metromile auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full Metromile insurance review.
Metromile Auto Insurance Quotes
|Driver Profile||Average Quote|
|18-Year-Old||$169 / month|
|21-Year-Old||$94 / month|
|45-Year-Old||$49 / month|
|45-Year-Old with a Speeding Ticket||$65 / month|
|45-Year-Old with a DUI||$74 / month|
|55-Year-Old||$48 / month|
|65-Year-Old||$56 / month|
Metromile is a fairly affordable insurance company. It ranks in the second cheapest quartile in WalletHub’s cost comparison.
Metromile Home Insurance Review Highlights
Metromile does not offer home insurance.
Bottom Line: Is Metromile a Good Insurance Company?
Metromile is only a good insurance company for drivers who want pay-per-mile auto insurance and plan to drive relatively few miles. It’s also an option for drivers who need to file SR-22 or FR-44 financial responsibility forms in California and Virginia.
Overall, however, WalletHub’s editors give Metromile a rating of 1.8/5 for its poor customer service and because the company doesn’t offer nearly as many insurance policies or discount options as its top competitors. Metromile does score well when it comes to transparency, its claims process and price, though.
To learn more, read WalletHub’s complete Metromile insurance review, or check out some of the reviews from fellow consumers below.