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How it Works:
With pay-per-mile insurance, you pay a low monthly base rate plus a few cents per mile when you drive. At the end of the month, your bill is your base rate plus how many miles you drove at your per-mile rate. Just like with other insurance companies, several factors can influence your rate, including age, type of vehicle and driver history. 
 
How it is Priced:
Per-mile Rate (500 miles driven x 3.2 cents per mile) $16.00 
Base Rate $30.00 
Monthly Total (Base rate + per-mile rate) $46.00
*Please note, rates vary with driver
 
How it is Tracked:
The key to pay-per-mile insurance is the Metromile Pulse, a small free wireless device that plugs into your car's OBD-II port. Installation is easy, and once in place, the Metromile Pulse securely counts your miles to determine your total monthly bill. Pay-per-mile insurance does not consider other driving factors such as how fast you drive or how hard you brake, just how many miles you drive. 
 
With pay-per-mile insurance, you are not charged for the miles you drive above 250/day (150/day in New Jersey). So, if you go on a long trip, you will still save big. Overall, pay-per-mile insurance costs less because it is based on how many miles you drive. If you spend less time behind the wheel, you will spend less money on insurance!
 
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