About Metromile
Metromile pioneered the pay-per-mile auto insurance model, charging a low base rate plus a per-mile fee that makes it extremely affordable for drivers who do not drive frequently. Now part of Lemonade, Metromile uses a plug-in device to track mileage and offers a streamlined digital experience.
What's Great
- ✓True pay-per-mile pricing is extremely affordable for low-mileage drivers
- ✓Low base rate plus per-mile charge provides transparent cost structure
- ✓Now backed by Lemonade's technology infrastructure
- ✓Streamlined digital experience for quoting and policy management
- ✓No penalty for occasional long trips — just pay for the miles driven
Watch Out For
- !Plug-in device required for mileage tracking
- !High-mileage drivers will pay more than traditional policies
- !Limited availability — not offered in all states
- !Fewer coverage options and endorsements than full-line carriers
Common Use Cases
1
Remote worker driving under 5,000 miles per year wanting minimal insurance costs
2
City dweller using public transit primarily but keeping a car for occasional use
3
Retiree with a seldom-driven vehicle seeking usage-aligned insurance pricing
Pricing Model
Paid
Paid subscription required. Check the website for current pricing and free trials.
Category
Usage-Based Insurance
Pay-per-mile or behavior-based policies that reward safe and low-mileage drivers.
Tags
auto insurancepay-per-milelow-mileagetelematicsaffordable