Cheapest Full Coverage in CA, AZ, IL, NJ, OR, PA, VA & WA (2018)
In our yearly price comparison study Metromile beat all the competition handily. Usually by ½ the price… all the way up to ⅓ the price. (*while this was a CA study, similar savings can be found in all 8 states where Metromile operates) *see methodology
Is Metromile a Quality Insurer?
You would think with such low rates there must be a tradeoff in quality, but it’s just the opposite. Metromile commands BBB’s highest A+ customer service rating, which is better than many insurance companies, while at the same time offering rock bottom prices.
Metromile Stress Test
Metromile is well known for their low milage discounts, boasting big savings at 10,000 miles or less. However, we were so impressed with how low their rates were at 10,000 miles that we decided to stress test their pricing at a higher milage to see if they would still be competitive.
To our surprise, even at 15,000 miles driven per year* they still came out as #1 for the lowest price in our study… by far in fact (as illustrated in the table). So evidently Metromile not only offers great deals to low milage drivers, but they seem to have just as competitive rates for higher milage drivers as well.
*15,000 miles per year is equivalent to driving 27 miles to work and 27 miles back from work, every workday of the year (261 days)
What if I take a road trip?
Metromile has this covered as well. They don’t charge for any miles over 250/day (150/day in New Jersey). So you can drive all day (12 hours at 55mph = 660 miles), but only pay for 250 of those 660 miles (or only 150 in NJ).