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Metromile Insurance Review 2021
Metromile Insurance is a small-scale company that is available only in Arizona, California, Illinois, New Jersey, Oregon, Virginia, Washington, and Pennsylvania. Metromile’s pricing is mostly based on the mileage of the driver. In other words, Metromile sells policies by pay-per-mile coverage. If you don’t drive a lot and do not mind having your driving tracked all the time, then Metromile could be an ideal insurer for you.
Metromile reviews and ratings
- Customer satisfaction ratings are average.
- Gets fewer complaints to state regulators regarding home and auto insurance than other companies relative to its size.
- Offers rideshare insurance in most states.
Metromile Car Insurance Rating
3.5
Metromile garnered an average of 3.5 stars rating based on its overall performance and policy rates that are given to their clients in accordance with their mileage. We measured Metromile’s rating by looking closely at its policy rates for different drivers, financial stability, ease of making a claim, discounts, and complaint information from the National Association of Insurance Commissioners. Upon examining these factors, we recognized Metromile as an ideal company for those who do not drive far.
Metromile Car Insurance Coverages and Features
| Metromile Auto Coverage Options | Description |
|---|---|
| No-Deductible Glass Repair | No deductible will reflect if you repair or replace your glass if you acquire comprehensive coverage. |
| Rental Reimbursement | If your car is under repair due to collision, Metromile will provide a $30 allowance for up to 30 days for your car rental |
| Roadside Assistance | Metromile got you covered in cases of auto emergencies. |
| Pet Injury Protection | Metromile will provide up to $1000 for your dog’s medication if, in any case, your pet was injured in your car during a collision. |
Metromile Customer Satisfaction Assessments
Metromile is considered one of the most reliable insurance companies in the country. It has very low customer complaints garnered from the National Association of Insurance Commissioners relative to its size for the car, life, and home insurance.
Metromile’s overall rating in the US is above average, with significant consideration to the range it covers across the nation. Here is a comprehensive study from the 2019 J.D. Power Study:
| Assessment Category | Metromile’s Customer Satisfaction Rating |
|---|---|
| Auto Insurance Policy Claim Satisfaction | Below Average |
| Auto Insurance Shopping Satisfaction | Average |
Metromile’s Digital Platforms
| Digital Platform | Description |
|---|---|
| Metromile’s Website | Metromile’s website lets you easily get a quote, pay bills, and learn more about their products and services. |
| Metromile’s Mobile Application |
Wawanesa’s mobile app lets you pay your bills, manage or access your policies, check claim status, and roadside assistance. Mobile App- you can use Metromile’s app to check your mileage, driving record, view policies, access ID cards, check your car’s health, and find your parked car. |
Metromile Client Satisfaction Pros and Cons
| PROS | CONS |
|---|---|
| Metromile’s rates are cheaper for those who drive less than 10,000 miles. | Metromile garnered average customer satisfaction ratings compared to other companies. |
| Pet-Injury coverage is available. | Metromile extensively monitors your driving and not an option for those who drive far. |
Insurance Online Car Insurance Rating and Review Methodology
We commend every insurance company that extends value to customer-first features and operations. The rating we disclose is assessed through weighted averages and scores from several categories: financial stability, customer complaints and satisfaction, transparency of their digital platforms, and competitive pricing.
Moreover, we conduct customer satisfaction surveys to extensively provide reviews and ratings that are dependable and fair. However, it is best to compare several insurance companies to account for your judgment and needs.
*Insurance Online is not compensated with our ratings and reviews by any insurance companies.
Insurance Online Complaints Methodology
We examine the complaints from state insurance regulators that are reported to the National Association of Insurance Commissioners (NAIC) between 2017-2019. NAIC extensively calculates the complaint index yearly following each subsidiary to measure the company size’s total share of complaints in ratio.
Metromile Car Insurance FAQs
Can I get insurance with Metromile with my rented car?
Currently, no. Metromile only offers car insurance coverage to car owners.
If I apply today with Metromile, will be insured right away?
Typically, you will be insured the following day after all the payments and documents are done.
Will my policy from another company, gets canceled after applying another policy with Metromile?
No. You will need to inform your current insurer and tell them to cancel your policy
Do I have an option of my mails delivered to me instead of electronic deliveries?
Being under the policy of Metromile will require you to agree with paperless transactions. They don’t have other options available.
I drive for a Ridesharing company, will get insured with Metromile?
No. Metromile does not accept vehicles used for Ridesharing.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.