Mile Auto Insurance: User Reviews and Quotes (2025)
Mile Auto may offer big savings for low-mileage drivers, but the company operates in only seven states and has below-average customer reviews.
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Founded in 2019, Mile Auto is a relatively new insurer in the increasingly popular pay-per-mile insurance market. The company offers an attractive proposition: If you drive less than 10,000 miles per year, you could save up to 40% off your current car insurance rates with its coverage.
But Mile Auto comes with some downsides. Mile Auto issues policies in only seven states: Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas. The company also doesn’t offer any additional discounts and has poor customer satisfaction ratings.
Here’s a closer look at how Mile Auto car insurance works.
How Mile Auto compares to other insurance companies
If you’re a low-mileage driver and live in one of the seven states where the company offers coverage, Mile Auto’s rates are generally cheaper than similar companies that provide usage-based insurance, like Root and Chubb.
Its low monthly base rate and per-mile rate offer savings up front, but unlike other traditional car insurance companies, Mile Auto doesn’t offer discounts or bundling opportunities. Customers also find Mile Auto representatives challenging to reach and report issues with claims processing and payments.
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.
Keep in mind that 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.
Average cost of Mile Auto insurance
Your car insurance costs will depend on numerous factors, including your age, location, driving record, the type of car you drive, and the 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.
Mile Auto car insurance cost by state
Your monthly Mile Auto rate depends on many different factors, including 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.
Mile Auto car insurance discounts
Mile Auto doesn’t offer any discounts. In fact, the word “discount” doesn’t appear anywhere on the company’s website. Most insurers — even Mile Auto’s pay-per-mile competitor, Root — offer discounts if you’re a student driver or have a clean driving record.
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 a relatively 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: 3.0 out of 5 stars based on 205 reviews
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:
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 provides roadside assistance and car rental reimbursement. But it doesn’t go 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. This means if you’re a Florida-based driver, Mile Auto may also offer 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. Root, for example, also offers uninsured/underinsured motorist coverage and medical payments coverage, which Mile Auto doesn’t mention on its site.
Mile Auto insurance FAQs
If you’re looking for an alternative to traditional auto insurance and considering a pay-per-mile option, the following information might give you a better idea if Mile Auto is a good choice.
What is the average cost of Mile Auto car insurance?
The average customer has a monthly payment of $64 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.
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.
How does pay-per-mile insurance work?
Pay-per-mile insurance measures how many miles you drive each month and uses that as the main factor to determine your monthly premium. Besides the company’s per-mile charge, you’ll also pay a monthly base rate.
Can you pay less for car insurance if you drive less?
That depends. If you opt for pay-per-mile insurance and drive less each month, the company’s per-mile charge generally reflects that. But it’s important to keep in mind that your driver profile can affect how much you pay, as pay-per-mile insurers also factor in your driving history, age, location, and more when setting your monthly premium.
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