By Home Media
Companies that offer pay-per-mile insurance
The table below lists several companies that offer pay-per-mile insurance. In each case, programs are not available in all states.
|Pay-per mile insurance program||States available|
|Nationwide SmartMiles||Arizona, Arkansas, Colorado, Connecticut, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming|
|Allstate Milewise||Arizona, Delaware, Florida, Idaho, Illinois, Indiana, Maryland, Massachusetts, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Texas, Virginia, Washington, West Virginia, Wisconsin|
|Liberty Mutual ByMile||Connecticut, Virginia|
|Metromile||Arizona, California, Illinois, New Jersey, Oregon, Pennsylvania, Virginia, Washington|
|Mile Auto||Arizona, Georgia, Illinois, Oregon|
The following standard types of insurance are available through each program listed above:
Medical payments (MedPay)
Personal injury protection (PIP)
Usage-based insurance is similar to pay-per-mile insurance in that it monitors your driving behavior through a mobile app or plug-in telematics device. This type of insurance offers reduced rates based on how you drive, including your total distance driven. Usage-based insurance also measures driving factors such as cornering, braking and time of day that you typically drive.
You can get usage-based coverage from a wider variety of providers than pay-per-mile insurance. Rates are not directly set by your distance driven, and these programs typically have a maximum possible car insurance discount .
Car insurance companies to consider
Even if you’re considering pay-per-mile insurance, we recommend comparing traditional policy quotes so you can be sure you’re getting the best deal for auto insurance. Reach out for free car insurance quotes from providers below.
Geico offers a wide range of coverage options, superior financial stability rating from AM Best and proven customer service record. Geico also tends to be one of the cheapest insurance options for many drivers, as it has a wide range of discount opportunities.
While Geico does not have a pay-per-mile insurance program, it does have a usage-based discount service. DriveEasy monitors distance driven as well as other driving habits like braking and cornering, providing reduced rates for good drivers.
To learn more, read our full Geico insurance review .
Pay-per-mile insurance can be a good option for some high-risk drivers. This is because your total distance driven is generally taken into account more than your driving record. However, if you drive regularly, this type of policy will likely be more expensive than a traditional auto insurance policy.
Progressive offers a number of discounts aimed specifically at teens and older motorists. Based on our cost research, drivers with DUIs and multiple traffic violations tend to see lower rates from Progressive than other insurers.
The provider has a usage-based insurance app called Snapshot. In some cases, you’ll get an automatic discount just for participating. You can learn more in our Progressive insurance review .
*Data accurate at time of publication.