Metromile Auto Auto Insurance Review: Quotes and Service (2022)

Metromile Auto may be a good option for low-mileage drivers looking for affordable full coverage and liability insurance. MoneyGeek rated it as a below-average insurer, awarding it 51 out of a possible 100 points. Despite its average financial stability score and below-average complaint and affordability ratings, it received an exceptional customer satisfaction rating.

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Last Updated: 3/2/2022
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0/5

complaints

5/5

satisfaction

2/5

discounts


pros

This is an iconOffers medical payment coverage
This is an iconDiscounted rates for low mileage drivers
This is an iconExcellent MoneyGeek customer satisfaction ratings
This is an iconOffers a mobile app

cons

This is an iconOnly available in eight U.S. states
This is an iconAverage financial stability and below-average affordability ratings
This is an iconDoes not offer most common discounts and add-on coverages
This is an iconReceived more complaints than most other insurers

Verdict

Metromile Auto currently does not appear in the ratings of well-known rating agencies, such as AM Best or J.D. Power, due to its small size and scope. Although the company offers cheap insurance for low mileage drivers, the availability of coverages and discounts are also limited. MoneyGeek gave it an excellent customer satisfaction rating. Yet, the company received an average score for financial stability and a subpar rating for affordability.

MoneyGeek's resources on the cheapest and best auto insurers have more information on Metromile and other carriers. Use MoneyGeek's auto insurance comparison tool to see how Metromile stacks up in the analysis.

How Does Metromile Auto Rank for Customer Service?

Currently, Metromile Auto doesn’t show up in the ratings of well-known entities like AM Best or J.D. Power. This absence could be due to Metromile Auto’s size and scope, which is small compared to other, larger car insurance companies. Even so, given its unique approach to billing, it could offer affordable rates for many drivers.

Customer Satisfaction Rating

According to the Better Business Bureau (BBB), Metromile Auto has an A+ rating. However, that calculation does not incorporate customer reviews. On the BBB website, customer reviews award Metromile Auto four out of five stars. The majority of complaints filed with the BBB focus on problems with the company’s products or service, while the second-largest number of complaints focus on the company’s billing and collections.

Customer Complaint Ratio

Metromile Auto

Every year, the National Association of Insurance Commissioners (NAIC) tracks customer complaints for numerous insurance companies; the national median complaint ratio has a score of 1.00. For 2019, Metromile Auto’s complaint ratio is 7.41, significantly higher than the national average.

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Discounts Offered by Metromile Auto That Can Help You Save

Discounts can help make a company more affordable. However, Metromile Auto does not provide many discounts on auto insurance policies. With the exception of multi-car discounts, it does not give the majority of other common discounts, such as bundling, safe driving, anti-theft system, airbags or good student discounts, among others. This is why their discounts rating is low.

Compare Metromile Auto Directly With Other Car Insurance Companies

If you're looking to compare Metromile Auto to other big insurance companies in your state, MoneyGeek has the resources to help you. Our comparison tool can assist you in determining how Metromile compares to the competition in terms of customer service, cost and special coverages offered. Aside from that, the tool will provide you with links to other resources that include additional information about these insurance firms.

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Does Metromile Auto Offer Broad or Unique Coverage?

Through Metromile Auto, you get comprehensive and collision coverage in addition to the state-mandated liability insurance based on your driving habits. The lower your mileage, the lower the insurance premiums will be. This benefits low mileage drivers who otherwise pay more for traditional car insurance. In addition, the company provides roadside assistance and rental reimbursement coverage to its policyholders.

Even though Metromile does not provide any unique coverages, if you have their MedPay insurance, you and your passengers will be covered for medical expenses regardless of who is at fault in an accident.

What Online Auto Insurance Tools Does Metromile Auto Offer?

Metromile Auto uses a device installed on your car to track how many miles you drive to ensure you are charged only for the miles you actually drive. Customers can track their driving date, policy information and file claims on the company website as well as through its mobile app.

  • Type of Feature
    Description
  • Online Bill Pay
    All your statements are found in your dashboard.
  • Online Claims
    You can start a claim through the website and track the progress on your dashboard. You also can file a claim using the app.
  • Payment Options
    Payments are made by credit or debit card, so by entering your card information in your dashboard, your payment will be automatically charged to your card each month. New Jersey customers can opt-in for manual billing.
  • Mobile App
    You can see and update your policy information by logging into your Metromile Auto dashboard or using the app.
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How to Make a Car Insurance Claim With Metromile Auto

Customers with Metromile Auto car insurance can file a claim one of three ways: online via the dashboard, through the mobile app or by calling the claims phone number. They can then track those claims through the online dashboard or via the mobile app.

Contact Metromile Auto Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Karon Warren is a professional journalist who has covered personal finance, health insurance, home insurance, car insurance, mortgages, banking and more for two decades.

Karon earned her bachelor of arts degree in journalism from the University of Southern Mississippi. She is also a member of the American Society of Journalists and Authors. Karon uses her journalist skills to create in-depth, well-researched finance stories that educate people so they can make informed financial decisions that best serve their financial goals.


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