Metromile - Car Insurance Reviews

I joined because I wanted insurance on my truck that I rarely ever drive. Want to be covered in case I do drive it or if something happened. This company sounded great as I’m not having to pay the same as I do with the car I do drive daily. Sounded great....until.... my battery in my truck does not work and goes dead. Usually that’s fine... I don’t drive it. But now I’m threatened and charged because “they don’t get a signal” well ya don’t get a signal because my battery is dead! So you charge me $15 a day until I can get out... jump start my truck drive it around the block just so you can get your dam signal. So it’s winter and cold and rainy. And I now have to go out on my day off to jump start it. Then the day I go back to work is when I get my threatening email. So then I get charged another $15 a day for 3/4 days the next week until my next day off to go fix my truck. This company and insurance is not worth it. And now with these added charges all the time it’s no cheaper than a well known company. This is called “hook and sinker” they hook you with a really great sounding offer but then sink you with their hidden rip off pricing. “Their signal” my car don’t work... not driving it. That’s why I came to ya in the first place now ur a rip off just like all the other companies. No thank you. This is a zero star for me, just had to be able to write this review. I will be canceling.

My wife and I just recently switched to this app from Esurance because we purchased a new vehicle. We cut our first month’s Esurance bill IN HALF by switching (just so anyone reading knows the savings are pretty spectacular).

As far as Metromile goes, it is easy to navigate and provides stream-lined information instead of a lot of clutter. You can also start a claim right from Metromile (which thankfully we haven’t had to do yet). While some people are wary of being “tracked” by the Pulse device that you have to plug into you OBD-II port (it’s basically plug-and-play), I would like to remind everyone that LoJack and GPS and location services DO THE SAME THING. It’s no different.

The Pulse device provides up-to-date billing info and can help you locate your car if ever you need that feature. My only minor qualm is I wish it was a little more low profile, but it’s not the biggest of issues. The only other trouble I’ve had with Metromile is it crashed for a few days due to a server issue, but I attribute this to a newer company that’s making their way in a big world of competitive insurance.

I have never seen an insurance company take SO LONG to issue a payment for a claim. I had someone hit the back of my car, break my tail light among other things, and due to a funeral and a busy schedule I don’t have time to take it in and get it repaired. So far I received one phone call, and apparently they did their this app estimate, which was easily a fraction of what common sense says it’ll take to fix it, issued my payout and closed my claim and NEVER contacted me. I’m still waiting on my supposed payout, which apparently they have the only direct deposit that takes at least a week to get, 5 business days apparently. I’ve never heard of any company ever taking longer than a day, two max for direct deposit. That’s the whole point of direct deposit, it’s supposed to be quick, not take as long as mailing a paper check. I’m not happy and advise people to beware. I’m also still driving around with a busted tail light waiting on that snail direct deposit to hit my account so I can buy a new one. I’m going to have to go get some estimates also, bc the payout I was never notified about I don’t think is right. I’ll update if my experience gets any better!

I especially like seeing my fuel level and the history of the driving routes I’ve taken on Metromile .

And when I had a rear end accident last year, the claims process could not have been easier or smoother. Communication was via Metromile (which I liked vs. phone calls or email), the reps were responsive and helpful, and this app’s settlement offer (and payment) was quick and fair. Had been a little bit concerned when I originally switched to this app because I’d never used a pay-as-you-go car insurance model before, but service during my accident processing was as good if not better than any I’ve had with conventional car insurance companies I always had in the past, and this app has been less expensive for me since I don’t put many miles on my car.

Fortunately, I’ve never had a claim, so I can’t attest to their services in that department. However, I’ve had this app Insurance for many years now, and the rates are fantastic for someone like me… I live in a Metropolitan area (“Metro”-mile, get it?) and drive infrequently. The “normal” insurance companies would have made keeping a car in a big city unaffordable. Before I had this insurance, I was contemplating giving up a car entirely… but now I have the security of good insurance coverage at a very reasonable price, and my own car to use whenever I need it. I use public transport for local trips, but over the years, this app has saved me a great deal of money, by allowing me to avoid rental car rates when I need to take a longer trip.

The insurance is great. At least I think it’s good as this is my first month. I can only say something after the first month. But I can say that Metromile needs a lot of work. To begin with the map portion of Metromile does not show any map of where my car is parked - it’s useless. Sure, it shows me how many miles I drove and what money I spent on gas, but how does that help when I don’t know what average it is using? I’d say this is an app where the developers have no idea what the business requirements are. It seems they just copied and pasted some functionality from some other app like Dash or Automatic, but didn’t think about what actually Metromile should do for their customers. Metromile is also not intuitive. To find the billing I have to go through many things to find what I need. I feel like there are so much room for improvements and to a point that they should completely redo Metromile . Anyway, the rest is up to the developers to improve.

You will not hesitate or have 2nd thoughts in recommending this auto insurance especially for used vehicle.
It has a tracker that not only detects the your mileage but the performance of your car. Where can you find an auto insurance company that aids you when something is wrong with your car. You don’t have to guess or worry that mechanics will give you wrong diagnosis & charge you more. The moment my dashboard sent a light this app immediately emailed me and specified my car’s problem. Right at that I know what part to purchase & what to tell my auto mechanic.
Thanks to this app!!!! Kudos to your company!!!

Both the this app iOS app and desktop website sre showing several short trips per day, often displaying at a few minutes in length and a few hundred feet of movement. During this times, my vehicle has either been parked on the street or stored in my home’s garage. When trying to use the website’s page where a list of recent trips can be viewed, on either Chrome on Windows or Safari via Mac, the website is incredibly slow and unresponsive. On some days I don’t drive my car, I’m being charged a few cents per day. This is not acceptable. I’m concerned about the apparent accuracy of the this app system and also concerned about the device draining the battery. Lastly, back in May I was experiencing the opposite issue in Metromile - and that was that tripe were NOT displaying. I sent an email to this app support and never received a reply. These issues are unacceptable.

I signed up for this app by switching from Geico where I was paying $220 per month even though my car was just parked in the garage. I really like the pay per mile plan as me and my husband don’t even drive 10K miles per year. I was extremely satisfied with their claims process. I had a bad damage to the right rear side of my car which costed $4000 to repair. The this app covered everything over the deductible without any intervention from my side. And Metromile provides good information about our driving history as well.

I’ve had this app for years. Different states, broken devices, thousands of miles.... this insurance is the best. Yes, devices can break. Just be nice get ahold of someone in customer service and they’ll correct it. I was over charged for a broken device and also one that I had sent back and they didn’t receive but it was fixed and they credited me for it. Even though i drive quite a bit it’s still waaaayyyy cheaper than other full coverage insurance companies I’ve reached out to. Anyways, so glad I stumbled upon this insurance as an ad and decided to check it out 🤪

I agree with other reviews. They mailed me a new device and I installed. It doesn't work. I had to travel for work so I just left. Of course, I didn't drive my car since I was out of town. And then my insurance payment just keep going up day by day and Metromile just keeps telling me to active the device. Well, I cannot when I am away from home and the car. I shot an email to them. No response and my payment is still going up. This is terrible. It is not my fault because I had a device from them worked for a year. Now their new one has problem, how can I solve it?!

Update: I got home tonight and kept trying to activate the device. Metromile keeps telling me to install it no matter what I do. And my payment went up again today. This is a derisory issue!

I haven’t written a review before but I felt this app deserves one. I wish I had gotten this insurance a long time before. I am 66 and disabled and only drive about 12 miles a month! I was paying over $125 a month! I thought it was time to try this app and see if it was a scam or real. It absolutely is real! This month my bill was $18! I saved $100+! What a relief for my wallet! My purse is no longer a pain in my shoulder! Lol
Thanks this app!
-Diane-

i’ve been a customer for 2 weeks and signed up with 3 cars.

their tracking unit requires you to plug into an interface which your car may or may not have.

For my 2020 vehicle plugging into that port turns on the car alarm after the car is locked. So I needed to use the cigarette lighter adapter. For my 1991 vehicle, a cigarette adapter plug is required because no interface for the module. this app provides these adapters free of charge.

So no problem right?

Unfortunately the brilliant minds of this app made a cigarette adapter plug that will NOT stay in place and consistently becomes dislodged. The metal prongs have no force mechanism so the thing just pops out on its own.

So now i’ve incurred fines for “removing my device” because of a faulty piece of hardware that is out of my control. Unless you want to duct tape the adapter in place on my console in both vehicles.

Unbelievable from a massively funded tech-enabled company and feels like this is an intentional oversight to incur fees from unsuspecting drivers.

I’ll likely cancel and go back to geico. Buyer beware.

PS i work in insurance tech.

which plugs into your cars

My husband had an accident in August. It is now the end of November and nothing has happened. They are supposedly waiting on the police report from State Farm (the opposing insurance company) they are blaming this on Covid. My husband has lost his job and we have been without a car. We need to get this settled. Our agent ignores our calls and emails. He will only get back to us when I threaten to speak to a supervisor and make a complaint against him. This has been going on for way too long and we need to get this resolved. Every time we try to talk to someone it falls on deaf ears. When this is over we will be looking for a new insurance. I am not happy.

I’ll be as lucid as I can from the beginning in saying I’m running off developer previews for iOS, however Metromile will work for me the first time I install it, however the next time I try to open Metromile it force closes almost instantly and the only way I can open Metromile again is to uninstall and then re-install Metromile which is highly convoluted.

I attempted to install Metromile on another iPhone not running the developer preview and I came with the same conclusion. Even through the past few updates it seems to be force closing after trying to return to Metromile the second time.

Not only has this app been smooth with my two claims since I opened an account, their customer service NEVER disappoints. I am extremely happy to be insured by this company and let me tell you I was very hesitant in the beginning because of the per mile charge. Its actually very fair pricing Whether u have expensive cars that you don’t drive much or daily driver; this company suits all. Thanks this app.

I started using this app at the end of 2016 or beginning of 2017. My thoughts were it’s cheap, easy to use and app-friendly, I don’t even need to remember where I parked.
It’s all nice and good until accident happened. My car got scratched by another car pulling out from the parking. The Claim Representative Bo Martinez is very unresponsive. She never returned my calls, promised to called back but didn’t, not replying e-mails.
I called this app and request to have another Claim representative assigned but was refused. I couldn’t find the reasons.
I would still be using this app for the meantime due to financial reasons, but I will most likely switch to other insurance company who cares.

We recently switched to metro mile. Rates are great. However roadside assistance is horrible. My wife’s car broke down I called for roadside assistance, they said they will text me with the name and eta of who is coming. 45mins go by and I had to call another tow company to come tow her car to the dealership. After the car was dropped off by my towing company I called, I received a call from someone who could barley speak English telling me he is there for the car and can not find it. Mind you I never got a text letting me know anyone is coming.......I will be looking into AAA or some other roadside company

It’s a cheap price and Metromile works well (has some problems recognizing whether you’re in garage or street sometimes. Wish there was a way to manually tell it that car is not on certain street so I don’t keep getting alerts).

My biggest problem is with their lie about referrals. I’ve referred 2 friends so far and not gotten the referral credit from either of them. It’s not about the money as much as the bad service to say you’re going to give referral credit and then not do it.

It makes me worry if they’re going to treat me the same way if I do need to file a claim.

The Pulse device loses signal often and when it does they add $150 to your account for each day. They are closed on weekends so the automated system will send you messages several times on Saturday and Sunday saying you will be charged but you can do nothing about it until Monday. Moreover, troubleshooting is pretty useless if you have to park underground. Even if your Pulse is able to pick up signal again after the troubleshoot drive, it drops the minute you enter your garage… and then $150 charge per day continues. Metromile , the device, and the customer service coverage all need a ton of work.