Metromile is a digital-first auto insurer built around pay-per-mile pricing. Instead of a flat premium that scales with expected annual mileage, Metromile combines a small base monthly fee with a per-mile charge so low-mileage drivers pay less for the miles they actually drive. The company leans on telematics — a plug-in device called Pulse or the insurer’s mobile tracking where available — to record mileage, produce monthly bills, and surface simple vehicle diagnostics. Policies typically include the standard coverages you expect from an auto insurer (liability, collision and comprehensive options) while the billing structure is intended to reward drivers who rarely use their car.

The customer experience centers on the Metromile mobile app and an online account portal. Through the app policyholders can view a live per-mile meter, see trip logs, submit claim photos, and monitor basic engine health data provided by the Pulse device. Claims intake and policy management are designed to be handled largely in-app, which suits customers who prefer fewer phone calls and more self-service. Metromile’s model is most compelling for urban commuters, occasional drivers and anyone who drives far below the U.S. average miles per year; it’s less likely to save money for long-haul commuters and those who frequently use rental or multiple vehicles. Availability is limited to selected U.S. states, so prospective buyers should check the website for current eligibility and state-specific product details.