Metromile

Metromile offers coverage in 8 states: Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington. Metromile is headquartered in San Francisco and offers car insurance policies.

States Metromile Is Available In

• Arizona
• California
• Illinois
• New Jersey
• Oregon
• Pennsylvania
• Virginia
• Washington

To learn more, check out WalletHub's full review of Metromile.

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+ 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.

No, Metromile does not offer gap insurance, but you can find affordable gap policies from many other major insurance companies. Gap insurance is a specialty type of coverage that pays the difference between your car's actual cash value and your loan or lease balance if the vehicle is stolen or totaled. You may be required to carry gap coverage if your vehicle is financed.

Popular Gap Insurance Providers

• Allstate
• Travelers
• The Hartford
• Liberty Mutual
• Nationwide
• Kemper
• Progressive
• Esurance

If you're a current Metromile customer and want to maintain your policy, you could purchase gap insurance from a dealership or a stand-alone company. However, dealership gap insurance is often the most expensive option, since it's usually rolled into your loan and charged interest.

For more information, check out WalletHub's complete guide to gap insurance.

To cancel Metromile insurance, the policyholder must customer service at 1-888-595-5485, or submit a request through the online portal. You will need to provide basic information about yourself, your Metromile policy number, and the date you would like your policy to end. Metromile may also ask for the details of your new car insurance policy to verify you won't be driving without insurance.

How to Cancel Metromile Insurance Policies

• Cancel by phone by calling your agent or 1-888-595-5485.
• Cancel in person by visiting your nearest Metromile Insurance office and speaking with an agent.
• Cancel online by logging into your account and requesting a policy cancellation.

If you've sold your vehicle, you may be asked to provide a bill of sale. If you've already paid your premium for the policy period in full, Metromile will refund the unused portion. Metromile does not impose a cancellation fee or penalty for early termination.

Finally, it's important to remember that you don't need to cancel your policy just because you're going through some life changes. For example, if you're moving or buying a new car you can just have Metromile update your mailing address or vehicle information.