finder.com's rating: 4.5 / 5
★★★★★
- Get a quote if you’re a low-mileage driver that lives within the service area
- Pick something else if you prefer a brand with more customer ratings
- Low-mileage drivers get the best savings
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Mile Auto car insurance review
By Sarah George
Mile Auto isn't available on Finder right now.
- Roadside assistance
- optional
- New car protection
- Accident forgiveness
Our verdict
This pay-per-mile policy helps low-mileage drivers save money while respecting data privacy.
Mile Auto is a small car insurance brand created to help low-mileage drivers in Arizona, Illinois, Georgia and Oregon. It offers the only pay-per-mile policy that doesn’t require you to track your mileage with a device or app installed in your car.
That means you can benefit from this policy even if you don’t like using many tech-y features or sharing your driving data.
However, Mile Auto doesn’t offer much in optional coverage, and you’ll also pay extra service charges on your monthly bill with no option to bypass these fees. If you’re not comfortable trusting a little-known brand for accident protection, you may want shop around for insurers with more customer reviews and ratings to back them up.
That said, Mile Auto’s coverage is plenty for casual driving, and you could benefit from hundreds of dollars in yearly savings if you drive less than 10,000 miles a year. This policy may work well for full-time students, remote workers, empty-nesters or senior citizens that live within this insurer’s small service area.
Pros
-
Savings for low-mileage driving
-
No tracking devices needed
-
Your choice of repair shops
Cons
-
Illinois and Oregon only
-
Basic coverage options
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No discounts
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No online account
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Lack of website info
Details
Product details
| States served | Illinois, Oregon |
| Roadside assistance | Optional |
| Accident forgiveness | No |
| New car protection | No |
| Pay schedule | monthly |
| Claims methods | phone |
| Rideshare coverage | No |
| SR-22 support |
Discounts
| Anti-theft device discount | No |
| Bundling discount | No |
| Defensive driving discount | No |
| Good student discount | No |
| Loyalty discount | No |
| Homeowner discount | No |
| Military discount | No |
| Safety device discount | No |
| Special employment discount | No |
| Usage-based discount | No |
| Other discounts | None |
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How to get a free quote for Mile Auto car insurance
Jumpstart the quote process using Mile Auto’s quick quote feature, which estimates your mileage rates and how much you could save.
- From Mile Auto’s website, enter your ZIP, annual mileage and current insurance payment in the quote tool.
- Fill out a few basic personal details, like your birth date and car’s make and model.
- View your estimated base and per-mile rates. If you like what you see, select Get a Full Quote.
- Complete additional questions about yourself, your car, driving history and coverage. Select Continue.
- View your full quote, edit any details as needed and enter your payment information to start your policy.
If you have any questions about your quote or coverage, you can call customer service at 888-645-3001.
What info do I need to apply?
Help the application process go smoothly with several key pieces of information:
- Home address and phone number
- Driver’s license
- Vehicle make, model and license plate or VIN
- Driving record
- Coverage needs and policy start date
- Payment information
What discounts can I get with Mile Auto?
Because Mile Auto is a pay-per-mile company, there are no discounts on top of its rates. However, the company claims to save customers as much as 30% to 40% from their previous car insurance, rewarding low annual mileage.
Mile Auto car insurance reviews and complaints
Mile Auto holds an C- rating from the Better Business Bureau (BBB) for its few customer complaints, though it isn’t accredited with the agency. The company began offering pay-per-mile insurance in 2010 and has had six total complaints on the BBB as of 2022.
On Trustpilot, Mile Auto boasts a 4.5 out of 5 rating from over 100 customers, a high score for a small brand that serves only a few states. The company does ask its customers to leave a rating on Trustpilot, and it typically responds to negative reviews within a week. Trustpilot rates Mile Auto at 4.1 stars out of 5 based on 115 reviews.
Positive reviews focus on Mile Auto’s cheap rates and helpful answers from customer service during office hours. On the other hand, negative reviews cite problems with a short window to send in odometer pictures and no ability to update your payment details online. Customers give the company solid marks during the claims process overall.
Alternatives to Mile Auto
Compare Mile Auto’s policy features with other companies that offer usage-based policies, including Progressive, Geico and Root. Select Get quote to see your customized rate.
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What car insurance coverage does Mile Auto offer?
Mile Auto offers the basic protection you need when you choose to drive, but not much more than these necessities. You also won’t find gap coverage that some drivers need to pay off their loan or lease after serious car damage.
- Property damage liability. Meet or go above state requirements to pay for vehicle damage after an at-fault accident.
- Bodily injury liability. Help other drivers and passengers get the medical attention they need without worrying about costs.
- Uninsured/underinsured motorist. Take care of vehicle damage and bodily injuries in situations where the at-fault driver is unable to pay.
- Personal injury protection (PIP). Make sure your medical bills get paid, no matter who’s at fault.
- Collision. Protect your car if it gets damaged during an accident.
- Comprehensive. Cover non-collision incidents, such as theft or storm damage.
- Roadside assistance. Opt for coverage to take care of minor roadside needs like fuel delivery or a battery jumpstart.
- Rental reimbursement. Get the convenience of a rental car while your own is getting accident-related repairs.
Mile Auto car insurance pros and cons
Pros
- Savings for low-mileage driving. According to the company, this policy could save you money if you average 10,000 miles or less per year.
- No tracking devices needed. You don’t have to worry about installing a device or black box in your car to track your driving.
- Your choice of repair shops. Go anywhere you choose for accident repairs.
Cons
- Few service areas. Mile Auto only serves, Arizona, Illinois, Georgia and Oregon, but will expand to other areas soon.
- Basic coverage options. The company keeps options simple, possibly because their customers drive less often and need less coverage.
- No discounts. Special groups and safe drivers don’t get the discounts they would with standard insurance.
- Lack of website info. Mile Auto lacks detail about its coverage or claims process online.
- Charges service fees. While your insurance rate might not cost much, the company charges office, credit card and mileage monitoring fees that add to your premium.
How to make a claim with Mile Auto
Let Mile Auto know you need to file an accident claim by calling the company at 888-645-3001.
Frequently asked questions about Mile Auto car insurance
How does Mile Auto track mileage?
The company asks that you send in a smartphone photo of your odometer every month. That way you get data privacy and pay only for the miles you drive.
How does Mile Auto calculate my premium?
Mile Auto uses standard pieces of information to calculate your rate, such as your driving record, vehicle type and location. It then charges a base rate and a per-mile rate that will get added together each month based on your mileage.
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Our insurance team analyzes car insurance providers to help you choose the best car insurance for you. We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.
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