Allstate Milewise Review: Pros, Cons, & Alternatives

The Allstate Milewise device is a simple alternative to traditional car insurance. Pay-per-mile insurance lets you track and pay for coverage on the miles you actually drive each day.

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UPDATED: Jun 28, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 28, 2022Fact Checked

The Rundown

  • Allstate Milewise is an alternative to traditional car insurance coverage 
  • Milewise allows users to pay-per-mile for car insurance versus a specified premium
  • Milewise is available in 15 states as well as Washington D.C.

The world is changing, and car insurance is changing right along with it. We tend to look at traditional car insurance as a quote or rate given to us for specific coverage.

The rate or premium we’re given is determined based on a number of factors such as age, profession, driving records, mileage driven per day, etc. But what if we’re not driving as much? Should we still be paying the same rate for the time we don’t spend in our vehicles?

Now we have an alternative to traditional methods. Pay-per-mile car insurance allows users to only pay for the amount of time that is actually spent driving.

Allstate has gotten ahead of the curve and instituted a program specifically for pay-per-mile users, Mileswise. As a pay-per-mile program, Mileswise not only lowers how much you spend on car insurance, it also comes with the same coverage options as a traditional Allstate policy.

Enter your ZIP code in the free tool above and discover Allstate Milewise coverage options in your area.

What is Allstate Milewise?

Milewise by Allstate is a new kind of car insurance based on the miles you drive. The Milewise formula is simple. Users are charged a daily rate amount plus a per-mile rate which adds up to your total cost per day.

To use Milewise, users are given an Alstate Milewise device which allows them to track their daily mileage. The device easily plugs into your car under your steering wheel. The only criteria for the Milewise tracking device is that the vehicle year must be 1996 or newer.

You’ll also need a smartphone for the Allstate Milewise app. The app is used to record and review your mileage and any accrued costs. Other features of the app include tips on safe driving, vehicle diagnostics, policy details, and more.

Mileswise is available in 15 states and the District of Columbia.

StateAllstate Milewise
Alabama
Alaska
Arizona
Yes
Arkansas
California
Colorado
Connecticut
Delaware
Yes
District of ColumbiaYes
Florida
Georgia
Hawaii
Idaho
Yes
IllinoisYes
Indiana
Yes
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Yes
Massachusetts
Yes
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
Yes
New Mexico
New York
North Carolina
North Dakota
Ohio
Yes
Oklahoma
Oregon
Yes
PennsylvaniaYes
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Yes
Utah
Vermont
Virginia
Yes
Washington
Yes
West Virginia
Yes
Wisconsin
Wyoming
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Milewise Pros

You should consider Milewise if you:

  • Drive less than the average driver
  • Rely on public transport
  • Have a short commute
  • Want to lessen your car insurance costs

Allstate Milewise is best for those who don’t spend hours or time in their vehicle per day. Like a perk for good driving, Milewise allows users to save money by spending money only when the vehicle is in use. 

Milewise Cons

The major con of using Milewise is that it isn’t available in all 50 states. Other cons can be if your vehicle is older than a 1996 model or if your lifestyle changes and you begin to drive at a greater rate than you did before. 

Unlike traditional car insurance where your premium and rate per month remain the same, your rate changes month-to-month with pay-per-mile insurance. 

Statista explains that while drivers are typically spending less time on the road on average they are still utilizing about 25 miles per day. Driving this much or more per day may suggest that more traditional car insurance coverage may be best for you.

While Milewise still offers similar coverage and service as Allstate, Milewise users may not receive all the same perks as traditional Allstate customers.

Alternatives to Allstate Milewise

The top alternative to Milewise is Metromile. Metromile is another pay-per-mile car insurance option and works much the same way as Milewise.

Unlike Milewise, Metromile is only available in eight states which include:

  • Arizona
  • California
  • Illinois
  • New Jersey
  • Oregon
  • Pennslyvania
  • Virginia
  • Washington

Metromile has a standard rate of about $26 at zero miles per month. Like Milewise, Metromile offers some coverage benefits like roadside assistance and discounts such as mature-driver and multi-car.

What sets Mileswise and Metromile apart is the charge for additional mileage and the number of complaints from customers. In both areas, Metromile comes in second.

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Milewise Allstate Reviews

Milewise is a solid car insurance option for those interested in pay-per-mile. It offers savings for those who aren’t plagued with long-distance driving and are interested in seeing where their money is going in relation to their mileage.

Milewise is pretty adaptive. It works with most vehicles after the year 1995. You simply use the Milewise Allstate login and device to track and manage your mileage and spending.

If you’re not in one of the aforementioned 15 states, unfortunately, Milewise is not available to you. This type of car insurance also may not be right for you if your preference is to have the same rate month-to-month.

Find the right affordable Allstate Milewise car insurance in your area by typing your ZIP code in the free to below.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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