Milewise, the pay-per-mile car insurance program from Allstate, helps low-mileage drivers save money on car insurance. When you sign up for the Milewise program, you pay a daily rate and a per-mile rate. So, the less you drive, the more you’ll save through the program.
Milewise is a great option for stay-at-home parents, retirees, or anyone who works from home and drives fewer miles. Though it’s a non-traditional insurance policy, you still receive the same coverage and protection. But Milewise is only available in 22 states, and some drivers may receive higher rates with pay-per-mile insurance than with more standard coverage.
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Milewise is a program that Allstate — a leading car insurance company that’s been in business for more than 90 years — offers to drivers. Allstate received an A+ (Superior) rating from AM Best, which means that the company has excellent financial strength.
Allstate introduced the first mobile telematics app when it launched Drivewise Mobile in 2014.[1] Telematics devices monitor mileage and driving behavior.[2] And in 2016, the company introduced the Milewise pay-per-mile insurance program.
If you don’t drive frequently, Milewise can give you more control over your insurance costs with the same access to coverage and customer service from Allstate.
When you sign up for Milewise, you have two coverage options to choose from: Pay-Per-Mile and Unlimited.
The Pay-Per-Mile option charges a low daily rate and a per-mile rate every time you drive. If you choose the Unlimited option, you only pay a daily rate, regardless of how many miles you drive. You can also choose some combination of these two plans.
After signing up, you receive access to Allstate’s mobile app and a telematics device that plugs into your vehicle’s diagnostic port. This device tracks how much you drive to verify the accuracy of your per-mile rate. You can also view details about your trips and earn Allstate Rewards points.[3]
Allstate offers coverage in 50 states, but it doesn’t offer the same insurance products in every location. Milewise is only available in the following 22 states:
Arizona
Delaware
Florida
Idaho
Illinois
Indiana
Maryland
Massachusetts
Michigan
Minnesota
Missouri
New Jersey
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
Texas
Virginia
Washington
West Virginia
Allstate’s Milewise program and Drivewise insurance products are both telematics programs, meaning they collect information from a GPS-enabled device and vehicle diagnostics to determine the price of your insurance. Milewise is a pay-per-mile coverage, so the telematics device will send Allstate information about how much you drive daily to determine your insurance premium.
Drivewise measures your safe driving habits and rewards behaviors like obeying the speed limit, gradually braking, and putting your phone away while behind the wheel. Allstate advertises that safe drivers can save up to 40% by participating in Drivewise.
If you use your car infrequently or only drive short distances, Milewise is likely the best telematics option from Allstate. Drivewise is a good idea if you drive more frequently and practice safe habits on the road.
As a Milewise customer, you can use Allstate’s mobile app to access your policy information, account balance, and miles driven. The app also tracks important information about your vehicle and driving history.
For example, you can use the app to receive personalized driving feedback and see your safe driving trends. You can also view vehicle diagnostics, receive car maintenance reminders, and find a local mechanic.
The Allstate mobile app has 4.8 out of 5 stars on the Apple App Store and 3.9 stars on the Google Play Store, so iPhone users seem to have a better experience with the app than Android users.
Drivers can expect to pay an average of $57 per month for liability-only coverage and $124 per month for full coverage from Milewise.
Average rates from Milewise are much less than the national average of $106 per month for liability insurance and $172 per month for full coverage.
Milewise offers the state-minimum required amounts of liability insurance for each state it sells coverage in, as well as other standard coverage options:
Auto insurance companies consider many factors when pricing your premium, including your location. Your state’s legislation, frequency of severe weather, and car theft or accident rates could influence your likelihood of filing a claim. As a result, the average car insurance cost varies by state.
Your car insurance rates largely depend on your driving history. Drivers with a clean record pay the lowest car insurance rates, while anyone with a history of speeding tickets, at-fault accidents, and DUIs can expect to pay more.
With Milewise, drivers with a clean record can expect to pay an average of $124 per month for full-coverage insurance. Drivers with a speeding ticket or at-fault accident pay slightly more each month, and drivers with a DUI pay substantially more, at an average of $198 per month.
Age is one of the most significant factors that influence your car insurance rates because insurance companies view younger, inexperienced drivers as a liability risk. Statistically, young drivers have a greater likelihood of engaging in risky driving behavior and being in an accident.
Drivers ages 15 to 20 make up 5.3% of licensed drivers in the U.S. but represent 12% of drivers in all crashes, according to the National Highway Traffic Safety Administration. Drivers 20 years old and younger also have the highest fatal crash rate.[5] Teenagers and drivers younger than 25 typically pay more expensive insurance premiums than any other age group.
Take the following steps to receive a Milewise car insurance quote:
Visit Allstate’s website and provide your ZIP code and the type of insurance you want to apply for. You can also specify whether you want to bundle your policy with other insurance products.
From there, you provide your personal information, including your name, address, and birthdate.
Next, provide details about your vehicle. You can either provide the vehicle identification number (VIN) or just give the year, make, model, and body style.
Estimate your annual mileage and outline any accidents or traffic violations you’ve had in the last five years.
Once you provide all the necessary information, you’ll receive quotes for liability-only and full-coverage auto insurance.
Discounts can greatly reduce the cost of a policy. Here are the biggest discounts you can take advantage of with Milewise:
New car discount: You could earn a discount for buying a new car. However, new cars typically cost more to insure than used vehicles.
Smart student discount: Teens and college students can save on car insurance by maintaining good grades.
Safety discount: You could earn a discount for having certain safety features, like anti-lock brakes and anti-theft devices.
FullPay discount: If you pay for car insurance annually instead of monthly, you could earn a discount.
When you sign up for Milewise pay-per-mile car insurance, you have the option to buy more than just car insurance. You can save even more by bundling your insurance policies with Allstate.
For instance, you can bundle your auto insurance with renters, homeowners, and life insurance. Besides saving you money, bundling can simplify how you keep track of various insurance policies.
Before you choose an insurance company, you should look into and understand the company’s reputation. Seeing what kind of experience other customers have had can help you determine if it’s the right fit for you.
Allstate has an A+ rating with the Better Business Bureau and relatively few customer complaints. However, the company did earn only 1.3 out of 5 stars from 258 reviews on Trustpilot.
Some long-term customers cite satisfaction with coverage over the years, and many specifically name the agents that provided quality customer service.
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Of the customers with complaints, some believe the company misled them when purchasing coverage, and others have had issues with the company approving claims in a timely manner.
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Credit and customer service ratings are important metrics for determining the quality of insurance companies. These ratings demonstrate the company’s ability to pay its claims and how happy the average customer is working with them.
Milewise’s parent company, Allstate, earned the following ratings:
AM Best: A+ (Superior)
J.D. Power: Above-average customer satisfaction (853 out of 1,000) and below-average claims satisfaction (868 out of 1,000)
Standard & Poor’s: AA-
Moody’s: A3
NAIC Complaint Index: The company has an above-average number of complaints
Due to the highly saturated car insurance market, you have other types of usage-based insurance (UBI) you can consider if Milewise doesn’t feel like the right fit for you.
Here’s how Milewise stacks up to some of its biggest competitors.
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Metromile is another pay-per-mile car insurance company. According to the company, the average driver saves 47% compared to a standard insurance policy. And with Metromile, you never need to worry about going over your daily mileage. If you hit 250 miles in one day, the remaining miles are free — unless you live in New Jersey, which has a maximum of 150 miles.
Your policy comes with collision and comprehensive coverage, roadside assistance, and 24/7 support from the company’s claims team. However, Metromile only offers coverage in eight states, so the majority of customers in the U.S. can’t purchase insurance through the company.
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Drivers can save between 30% and 40% on auto insurance by switching to Mile Auto, according to the company. Mile Auto provides a good option for college students, remote workers, and anyone who doesn’t drive much.
Mile Auto doesn’t require you to use a device to track your mileage, so it works well for customers who value their privacy. You just need to send the company a photo of your odometer once a month.
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Another company that doesn’t require you to install a device in your car, Root tracks your mileage through its app by analyzing data from your smartphone sensors.
Root’s app also makes it easy to manage your policy, file a claim, and access roadside assistance. Root offers coverage in 34 states, so it has the widest availability of all four companies.
Here are the steps you’ll take to file a claim with Milewise:
Log into the app to file your claim.
If you need help, contact customer support to help walk you through the process.
Next, decide how you want to receive your payment.
You can continue to track your claim status on Allstate’s mobile app.
To decide if Milewise provides the right type of coverage for your insurance needs, you should consider whether pay-per-mile insurance makes sense for your driving habits. The information below can help you gauge the reliability and cost of Milewise insurance.
Yes. Milewise is a program through Allstate, which is one of the best-known insurance companies in the country. The company has more than 90 years of experience, reliable coverage, and positive ratings from AM Best and the Better Business Bureau. However, the company does have a higher number of customer complaints on the National Association of Insurance Commissioners complaint index.
Milewise car insurance is worth it for low-mileage drivers like stay-at-home parents, retirees, and remote workers. If you drive fewer than 10,000 miles per year, switching to pay-per-mile coverage from Milewise could help you save money.
Drivers with a clean record pay an average of $57 per month for liability-only coverage and $124 per month for full-coverage insurance. This makes it more affordable than most traditional insurance policies.
Allstate, one of the most recognized insurance companies in the country, owns Milewise. When you sign up for Milewise, you have access to Allstate’s app and customer service.
Milewise is a good option for low-mileage drivers. If you drive fewer than 10,000 miles a year, the pay-per-mile program may cost less than a standard insurance policy.
Yes. AM Best gave Allstate an A+ rating, which means it has superior financial strength. You can trust the company’s ability to pay its claims.
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