Allstate Milewise Review: Pros, Cons, & Alternatives (2023)

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. Can pay-per-mile insurance save me money? 

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. Many companies with telecommuting car insurance policies offer smartphone apps now. 

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

States Where Allstate Milewise is Offered

State	Allstate Milewise
Alabama	No
Alaska	No
Arizona	Yes
Arkansas	No
California	No
Colorado	No
Connecticut	No
Delaware	Yes
District of Columbia	Yes
Florida	No
Georgia	No
Hawaii	No
Idaho	Yes
Illinois	Yes
Indiana	Yes
Iowa	No
Kansas	No
Kentucky	No
Louisiana	No
Maine	No
Maryland	Yes
Massachusetts	Yes
Michigan	No
Minnesota	No
Mississippi	No
Missouri	No
Montana	No
Nebraska	No
Nevada	No
New Hampshire	No
New Jersey	Yes
New Mexico	No
New York	No
North Carolina	No
North Dakota	No
Ohio	Yes
Oklahoma	No
Oregon	Yes
Pennsylvania	Yes
Rhode Island	No
South Carolina	No
South Dakota	No
Tennessee	No
Texas	Yes
Utah	No
Vermont	No
Virginia	Yes
Washington	Yes
West Virginia	Yes
Wisconsin	No
Wyoming	No

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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. Classic car insurance is a good purchase for drivers who own older cars. 

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. Read our Metromile review for more information on the company. 

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

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.

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