Auto Insurance Review: Metromile Auto

For low-mileage drivers, Metromile Auto can be a good option if you want affordable rates. However, given the high number of customer complaints the company receives, you might do well to shop around and compare car insurance quotes from several other companies.

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0/5

complaints

5/5

satisfaction

2/5

discounts


pros

This is an iconCould be quite affordable for low-mileage drivers
This is an iconOffers mobile app
This is an iconOffers various levels of insurance

cons

This is an iconHigh number of customer complaints
This is an iconLimited to eight states
This is an iconMonthly rate varies

Available to drivers in Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia and Washington, Metromile Auto offers car insurance rates based on how many miles you drive, which is tracked using a device installed on your car. For drivers who don’t spend a lot of time on the road, this could be a very affordable option. However, the company also receives many complaints, which calls into question the quality of its customer service.

How Does Metromile Auto Auto Insurance Rate?

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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Metromile Auto Insurance Features

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.

Metromile Auto Auto Coverage

Metromile Auto insurance features different levels of coverage you can customize to meet your individual needs.

  • Type of Coverage
    Description
  • Collision
    This coverage is for damage to your car sustained when it hits another object, like a tree, wall or another car.
  • Personal Injury Protection
    In addition to medical coverage, PIP also may cover lost wages, necessary services such as child care and funeral costs.
  • Uninsured
    Uninsured motorist: This coverage pays for medical expenses for both you and any passengers in your vehicle in the event the driver at fault does not have insurance. Underinsured motorist: This coverage pays you and your passengers if the driver at fault does not have sufficient insurance to cover all you and your passengers’ expenses.
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Optional Insurance Features and Coverage

Although not required, these coverage options could provide added value for you

  • Type of Option
    Description
  • Rental Reimbursement
    If you already have comprehensive and collision coverage, you can purchase this option to cover the cost of a rental car while your vehicle is being repaired.
  • Roadside Assistance
    This coverage kicks in to help you out if your car breaks down, has a flat tire or you lock your keys in the car.
  • Medical Payments
    This will cover medical expenses for injuries sustained by you and your passengers.

Available Discounts on Metromile Auto Car Insurance Coverage

Currently, Metromile Auto car insurance only offers a multi-car discount. If you’re searching for multiple discounts, you’ll have to go with a different company.

  • Type of Discount
    Description
  • Multi Vehicle
    Metromile Auto insurance only offers a multi-car discount

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 and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


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A long-time freelance writer, Karon Warren has covered finance, insurance, healthcare, business, travel and other topics for such outlets as Lending Tree, Student Loan Hero, Healthgrades, USA Today and others.


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