Mile Auto Car Insurance Review & Ratings (2023)

Mile Auto is a pay-per-mile car insurance company where the average driver pays about $44 a month for minimum insurance and $65 for full coverage. However, only low-mileage drivers will get these rates.

UPDATED: Jan 13, 2023Fact Checked

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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...

Full Bio →

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jan 13, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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.

UPDATED: Jan 13, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 13, 2023Fact Checked

The Bottom Line

Mile Auto might struggle with customer service ratings, but most customers are satisfied with the claims process and affordable rates. If you drive fewer than 10,000 miles a year — or about 27 miles a day — Mile Auto might help you save on car insurance.

Unfortunately, Mile Auto is only available in seven states, but it plans to expand soon. If it’s available where you live, Mile might have the lowest pay-per-mile rates for low-mileage drivers.

However, you should still compare your options. Comparing quotes with multiple companies is the only way to find the best rates for your needs.

Although Mile Auto is a relatively new company, its car insurance is underwritten by a much older company, Spinnaker Insurance. Unfortunately, Spinnaker Insurance receives a relatively high number of complaints, despite its experience in the market.

For example, the National Association of Insurance Commissioners (NAIC) notes that Spinnaker Insurance receives nine times as many complaints as competitors. The good news for Mile Auto is that Spinnaker’s complaints probably won’t impact its reviews too much.

Although the NAIC reports a less-than-positive outlook, A.M. Best rates Mile Auto highly. A.M. Best ratings signify a company’s financial strength, which is essential if you need to file a claim. Mile Auto has a solid grade of A-, which means it won’t struggle to cover your car repairs.

Mile Auto Insurance Reviews

Although Mile Auto insurance rates are affordable, the reviews aren’t always positive. Unfortunately, it’s not easy to see how Mile Auto does with its customer service since it’s a smaller company. For example, the Better Business Bureau (BBB) doesn’t have a rating for Mile Auto, but there are several complaints on the site.

The majority of the negative reviews focus on the difficulty of contacting a representative. Unfortunately, Mile Auto does not have a 24-hour customer service line, so you’ll have to wait until business hours, Monday through Friday, if you have a problem.

On top of limited availability, many customers report that representatives are slow to respond to requests, sometimes taking weeks to resolve even simple issues. Even though other aspects of Mile Auto insurance come highly recommended, the slow customer service frustrates many customers.

A final common complaint is that customers’ window of time to submit pictures of their odometers is inconveniently small. In addition, since Mile Auto doesn’t have an online option to update your payment details, many customers report managing their policies is challenging.

Of course, Mile Auto has positive reports, too. One of the most celebrated parts of Mile Auto insurance is that its rates are some of the lowest on the market. Despite some complaints about customer service, most Mile Auto customers report being generally satisfied with their policies.

How does Mile insurance work?

Most people think of standard companies when they think of car insurance, which involves a flat fee based on your unique characteristics. After your rates are calculated, you can split your payments into monthly increments or in one lump sum.

Pay-per-mile car insurance companies like Mile Auto don’t work the same. Mile Auto charges for each mile your drive, which is how low-mileage drivers see such low rates.

Mile Auto starts by calculating a base rate, which is the amount you’ll pay each month, no matter what. Your base rate is calculated the same way standard companies determine car insurance rates. Mile looks at factors like your gender, age, ZIP code, and driving history to calculate your base rate.

After your base rate is determined, you’ll also receive a price for every mile you drive. At the end of the month, Mile adds how many miles you drove to your base rate to determine your auto insurance costs.

How does Mile Auto track mileage?

When you buy a policy from a pay-per-mile company, you usually need to download an app or install a plug-in device in your car. This allows the company to track how often you drive. Many drivers appreciate the convenience, but many others don’t like the idea of being tracked.

Mile Auto takes a different approach. At the end of the month, you’ll submit a picture of your odometer. This is an excellent option for people uncomfortable with an insurance company tracking their every move.

You’ll receive a monthly reminder from Mile by text and email to submit your odometer pictures, so you won’t have to remember by yourself. Simply click on the link to submit your photo and follow the instructions from there.

What happens if you want to take a long road trip?

When it comes to low-mileage insurance, many drivers that could benefit from it hesitate for one reason — how much will you be charged if you want to take a long road trip?

In the U.S., drivers often take road trips that stretch hundreds of miles. A long road trip could easily double or triple your monthly bill if you’re being charged by the mile.

Many pay-per-mile companies cap the number of miles you can be charged for in a single day. For example, one of Mile Auto’s closest competitors — Metromile — caps mileage charges at 250/day.

Mile Auto is vague about its policy regarding road trips, but it likely changes by state. If you’re concerned about paying higher rates, you should check in with a representative before you start your trip.

Is Mile Auto a Good Choice?

Traditional car insurance companies look at a variety of factors to determine your rates, including your age, ZIP code, and credit score. These demographics have nothing to do with how you drive, which is why some customers end up overpaying for car insurance.

If you qualify as a low-mileage driver, you’ll find significant savings by finding alternative insurance through Mile Auto. It offers mileage-based car insurance as an alternative to the traditional way of buying coverage.

Instead of paying a flat monthly fee, Mile Auto charges you for the miles you drive every month. The less you drive, the less you pay, and Mile Auto doesn’t require a tracking device like most pay-per-mile insurance companies.

However, pay-per-mile auto insurance isn’t for everyone — only people who drive less than 10,000 miles per year should consider getting Mile Auto insurance quotes.

Explore Mile Auto insurance reviews and ratings below to see if it might be the right choice for you. Then, compare rates with other pay-per-mile companies to find the best policy for your needs.

Mile Auto Rates

Looking at average rates for pay-per-mile car insurance companies can be difficult to the nature of the coverage. Pay-per-mile insurance rates vary from driver to driver based on monthly mileage. 

To determine your monthly car insurance rates, Mile charges a per-mile rate added to a monthly base rate. The base rate is calculated with typical insurance demographics, including your age, the type of car you drive, and where you live.

For example, Mile base rates are typically around $40 monthly for full coverage. So if your per-mile rate is $0.04, and you drive 350 miles in a month, your Mile auto insurance rates would be around $54.

Mile Auto tends to have some of the cheapest pay-as-you-go insurance, but you’ll only see the lowest rates if you drive fewer than 10,000 miles a year. If you’re a frequent driver, you’ll pay higher prices.

What car insurance discounts does Mile offer?

Mile Auto considers its low pay-per-mile rates as the ultimate discount for low-mileage drivers, so it doesn’t offer other discounts. However, those who frequently drive their vehicles should probably consider a different company because rates at Mile Auto will be higher without discounts.

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Mile Auto Coverage Options

Most states require a minimum amount of insurance before registering a vehicle or driving on a public road. While it’s never required by law, many car loans or leases also require full coverage.

Mile Auto doesn’t have the most extensive list of car insurance options, but it can cover all your basic insurance needs. You can buy the following types of insurance from Mile Auto:

  • Property damage liability. This type of liability insurance pays for damage you cause to other people’s property, including cars, buildings, and fences.
  • Bodily injury liability. The other half of liability insurance pays for the medical bills of people you injure, including other drivers, their passengers, and pedestrians.
  • Collision car insurance. You need collision insurance if you want help paying for your car repairs after an accident. Collision insurance also covers you if you hit a stationary object like a tree.
  • Comprehensive car insurance. Collision insurance is valuable after an accident, but there’s a lot more that can damage your car. Comprehensive insurance helps repair your car after an unexpected event, like fire, extreme weather, theft, and vandalism.
  • Uninsured/underinsured motorist. Each state Mile Auto operates in requires at least liability insurance before you can drive, but not all drivers follow the law. Uninsured motorist protects you from drivers without insurance as well as hit-and-runs.
  • Personal injury protection/medical payments. Depending on your state, you can purchase medical payments (MedPay) or personal injury protection (PIP) insurance to cover your medical bills after an accident.

You can find these options at nearly every car insurance company. Mile Auto also offers roadside assistance and rental car reimbursement if you’d like to increase the value of your policy. However, you’ll need to look elsewhere if you need any additional coverage.

Mile Auto vs. Competitors

There are not too many options for pay-per-mile car insurance currently, but more companies are researching their options due to their rising popularity. However, there are a few choices to compare against Mile Auto, including:

  • Metromile. Metromile is another company that only sells pay-per-mile car insurance. Available in eight states, Metromile uses a plug-in device to track your miles.
  • Liberty Mutual ByMile. ByMile is available in 17 states and uses a plug-in device paired with an app. Although Liberty Mutual sells standard car insurance, ByMile is a good choice for people who take the occasional road trip.
  • Allstate Milewise. Milewise is another option that pairs a plug-in device with a mobile app. Available in 21 states, Milewise is a solid option for low-mileage Allstate customers.
  • Nationwide SmartMiles. True to its name, Nationwide SmartMiles is available in 40 states. SmartMiles uses a simple plug-in device and has high customer satisfaction ratings.

Whether you’re buying standard or pay-per-mile car insurance, comparing quotes from as many companies as possible is an important step in finding affordable coverage. You also need to ensure a low-mileage plan is right for your lifestyle based on where you live and how often you drive.

Frequently Asked Questions

How much does Mile Auto insurance cost?

Average rates from Milo Auto depend on the person, but the average low-mileage driver saves about 40% compared to regular coverage. As with most pay-per-mile companies, Mile Auto splits its prices into a base rate and a per-mile fee.

Does Mile Auto have a maximum number of miles it charges per day?

While most pay-per-mile insurance companies cap the miles you’ll be charged in a day, Mile Auto is vague about its policies. To be sure you won’t be charged for a long road trip, you should speak with a Mile Auto representative.

Is Mile Auto insurance affordable?

Mile Auto is much cheaper than standard companies and has some of the most affordable rates of any pay-per-mile company.

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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...

Full Bio →

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...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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