Mile Auto Insurance: User Reviews and Quotes (2024)

Mile Auto may offer big savings for low-mileage drivers, but the company is still new and only available in a handful of states.

Lindsay VanSomeren
Lindsay VanSomeren
  • 8 years in insurance and personal finance writing

  • Former data scientist for U.S. Geological Survey

Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.

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Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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Updated October 30, 2024

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Founded in 2019, Mile Auto is a relatively new insurer in the increasingly popular pay-per-mile insurance market. It offers an attractive proposition: If you drive fewer than 10,000 miles per year, the company says you could save up to 40% off your current car insurance rates with its coverage.

But Mile Auto comes with some downsides. It’s only available in a few U.S. states, it doesn’t offer any discounts, and customer reviews are poor.

Quick Facts
  • Mile Auto customers pay an average of $56 per month for liability coverage, which is less than similar insurers.

  • The company doesn’t use telematics or an app, so you’ll have to manually report your monthly mileage to Mile Auto.

  • Mile Auto customers report challenges reaching customer service and delays in claims processing and payouts.

How Mile Auto compares to other insurance companies

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$101/mo

As long as you don’t drive a ton of miles and live in one of the nine states where the company offers coverage, Mile Auto’s rates could potentially be cheaper than other car insurance companies. Its low base rate and per-mile rate offer savings up front, but unlike traditional insurance auto insures, Mile Auto doesn’t offer discounts.

If you’re looking for a quality experience when it comes to filing a claim or getting help from an agent, you might want to consider another insurer. Customers find Mile Auto representatives challenging to reach and report issues with claims processing and payments. Unlike most insurers, Mile Auto doesn’t offer the convenience of a mobile app.

Pros
  • Coverage options comparable to those offered by traditional insurers.

  • No telematics device needed – track monthly miles with a photo of your odometer

Cons
  • Only available in nine states

  • Only 2.7 (out of 5) stars on Trustpilot and many complaints about poor claims experience.

Read more driver reviews of Mile Auto
Cookie - October 15, 2024
Verified

Excellent

Low mileage rate.

Tasha - October 10, 2024
Verified

Not pleased

Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.

Thomas - October 8, 2024
Verified

Mixed Review

Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
Factor
How Mile Auto Compares
RatesCheaper
DiscountsFewer than competitors
AvailabilitySimilar to competitors

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How Mile Auto insurance works

Mile Auto offers coverage under a usage-based insurance model.[1] Customers pay a base rate every month of about $48. And for each mile that you drive, Mile Auto bills an additional $0.08.

Mile Auto doesn’t use telematic devices or mobile apps to record information about your driving habits. Instead, the company sends a monthly email with a link to submit a photo of your car’s odometer reading.

How Mile Auto rates compare to competitors

Mile Auto’s rates are lower than many other usage-based and pay-per-mile companies. See how its monthly full-coverage rates compare to several competitors below.

Full-Coverage Rates by Insurance Company

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average cost of Mile Auto insurance

Your car insurance costs will depend on numerous factors, including your age, location, driving history, type of car you drive, and coverage levels you choose. You’ll pay more for car insurance if you have an incident on your record, such as an accident, speeding ticket, or DUI.

The table below shows how Mile Auto’s monthly liability-only rates compare to the national averages for drivers with a clean record and with different driving incidents.

Driver
Mile Auto Average Quote
National Average
Drivers with a clean record$56$104
Drivers with a speeding ticket$71$145
Drivers with an at-fault accident$78$151
Drivers with a DUI$92$172
Teen drivers$119$188
Senior drivers$39$79
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Mile Auto car insurance cost by state

Like traditional auto insurance, your monthly Mile Auto rate depends on many different factors, including your age and gender, driving record, the type of car you drive, and your location.[2] Rates can vary widely between states, even for people with similar driver profiles.

Here’s how much the average Mile Auto customer pays each month for liability insurance in seven of the states where coverage is available, compared to the overall state average.

State
Mile Auto Average Quote
State Average
Arizona$50$92
Florida$118$165
Georgia$75$148
Ohio$36$74
Oregon$59$102
Tennessee$39$74
Texas$55$119
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Mile Auto car insurance discounts

Mile Auto doesn’t offer any discounts. In fact, the word “discount” doesn’t even appear anywhere on the company’s website. Most insurers — even Mile Auto’s pay-per-mile competitor, Metromile — offer discounts for things like insuring multiple cars or being a safe driver.

So if you’re looking for discounts to save on insurance rates, you’ll need to go with another insurer.

How customers feel about Mile Auto

Given that Mile Auto is such a new (and limited) insurer, it doesn’t have much of a track record when it comes to people sharing their experiences. But of the reviews that are available, opinions don’t skew much in favor of the company:

  • Trustpilot: 2.8 out of 5 stars based on 164 reviews

  • Better Business Bureau (BBB): 1 out of 5 stars based on three reviews, with 13 complaints closed in the last three years (seven in the last 12 months alone)

Mile Auto customer reviews

Here’s what actual, verified consumers are saying about what it’s like to work with Mile Auto and its pay-per-mile program:

Cookie - October 15, 2024
Verified

Excellent

Low mileage rate.
Tasha - October 10, 2024
Verified

Not pleased

Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas - October 8, 2024
Verified

Mixed Review

Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
Ann - September 24, 2024
Verified

Poor Review of Mile Auto

I was hoping to save money by switching to Mile Auto. While the first two months did that, the third month my premiums went back to nearly what I had been paying with GEICO. So, I am very displeased.

Mile Auto ratings

When choosing a car insurance company, it’s important to make sure you’re working with a reliable, helpful, and financially stable company that’ll be able to pay out your claims when you need it.

Normally, it’s a good idea to check an insurance company’s consumer ratings on trusted sites like AM Best, J.D. Power, or the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.

But unfortunately, you won’t find any data reported for Mile Auto since the insurer is so new.

Mile Auto car insurance coverage options

Mile Auto offers the standard state-minimum coverage in each state where it operates. This typically includes liability insurance, which covers bodily injuries and property damage if you cause an accident. You can also choose a full-coverage policy with comprehensive and collision insurance.

Mile Auto also offers roadside assistance and car rental reimbursement. It doesn’t delve into any details on how these policies work or what deductibles and coverage limits you can choose from, nor does it outline any other type of coverage. But it presumably also offers personal injury protection (PIP) since that’s required for all Florida policies.

You’ll have better luck choosing from a wider range of policy options with competitors, which also generally tell you more about how the different coverage options work. Metromile, for example, also offers uninsured/underinsured motorist coverage and medical payments coverage, which Mile Auto doesn’t mention on its site.

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Other options for Mile Auto customers

Pay-per-mile coverage is Mile Auto’s bread and butter, and that seems to be all the company offers. If you’re hoping to find one insurer for your home, auto, or any other vehicle, Mile Auto isn’t for you. But if you don’t drive a lot and you’re willing to split up your policies among different insurers in order to save money, consider Mile Auto.

Mile Auto insurance FAQs

If you’re looking for an alternative to traditional auto insurance and considering a pay-per-mile option, this additional information might give you a better idea if Mile Auto is a good choice.

  • Is Mile Auto legitimate?

    Yes. Mile Auto is a legitimate company. All insurance policies it sells are underwritten by a larger company — Spinnaker — and it’s licensed to operate in the states where it offers coverage.

  • What is the average cost of Mile Auto car insurance?

    The average customer has a monthly payment of $56 for liability-only insurance through Mile Auto. The company can be a good option if you drive fewer than 10,000 miles each year.

  • Is Mile Auto good at paying claims?

    Unfortunately, independent data isn’t available about how good Mile Auto is at paying claims. Many consumers report having issues with Mile Auto processing claims and payments on review sites. On Trustpilot, for example, one customer mentioned a smooth claims process — but three more mentioned having problems.

  • How do I cancel my Mile Auto insurance policy?

    Mile Auto doesn’t mention how to cancel your current policy on its site. But if you reach out to the customer service team, they should be able to take action to process your request, or at least tell you how to cancel this type of policy on your own. You can contact customer service at 1 (888) 645-3001 from 9 a.m. to 6 p.m. Monday through Friday.

  • Is pay-per-mile insurance worth it?

    The average driver travels 13,476 miles per year, according to Federal Highway Administration data.[3] Pay-per-mile policies can be a good choice if you drive less than that. But many seniors, students, and other people who don’t drive often may be able to save money with a pay-per-mile policy.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
  2. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  3. Federal Highway Administration. "Average Annual Miles per Driver by Age Group."
Lindsay VanSomeren
Lindsay VanSomeren

Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.

Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

Featured in

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