MetroMile
Reviews and Complaints

Metromile is a company that I hope does really well and becomes successful. I have downloaded the app and I only drive about 5000 miles per year as I live in a city. My high insurance is probably subsidzing those who drive more than *** miles per year which is not fair. Metromile will fix this and finally I can get lower priced insurance despite having a more expensive car I rarely drive. I am surprised that big insurance companies have not done this yet but maybe they didn't even want to bother with this as they make money anyways.

After moving to the city I was considering selling my car as it was just too damn expensive to have. I usually bike to work & just drive on weekends or roadtrips. I saw Metromile's ad on Bart and haven't looked back. I went from paying $130/month to now about ~$60! That's $800+ a year in savings! Can't beat that. I'm keeping my car because of Metromile.

I live in SF and take public transportation everywhere, only using my car to go on semi local weekend trips (larger trips I'll take a flight) - saving ~$50/month on auto insurance in an expensive city is incredible and it's very convenient to have the app (i have to move mine every week and a half for street sweeping so verrrryyy helpful). I have a 4 door sedan from 2015 Highly recommended for young professionals trying to save $ like me!

As an infrequent driver, I paid FAR less than I would have through a more conventional insurance policy.

More importantly, I couldn't be more pleased with the service I have received after my car was totaled by an uninsured driver.

The pay-out on my car was quick, and honestly more than I expected. They have also been very responsive regarding medical claims. My two adjusters have both been a joy to work with.

I couldn't have asked for better service!

I am a new customer with Metro Mile. I was dissatisfied with AARP hart ford for several reasons, not related to claims. So I contacted Metro Mile. Fast easy and I am saving more than half of what paid with AARP Harford. I also like the fact that they area new company, with the backing of some larger companies. It is refreshing to see something new, that really saves you money. No pressure sales. Several fiends have switched to MM since they saw my savings.

I don't drive much anymore as I am retired and can't drive at night anymore. My car is 3 years old and only has 7,000 miles on it. Uber has made getting around easier, but I still like having my own car.

It's getting expensive though, especially since Geico was charging me $3,000 per year! I heard that Metromile offers insurance for low mileage drivers and called them for a quote. It's true! The sales person on the phone was very kind and patient, and my new policy is only $1,300 per year. I am saving $1,700 per year! Definitely worth checking out if you don't drive that much.

Price: This really can't be beat if you're a low mileage commuter, and if the price savings gets even better with multiple cars under 1 policy.

Tech: Being able to get car diagnostics, location, etc. on your phone is all very helpful and useful.

Overall: I've been a customer for almost a year now, and I haven't had any issues. I will say that I'm a little abnormal of a customer as I have not had any accidents or events that required their customer service yet, but I would imagine they would do a decent job here. If you're a clean, low mileage driver with not a lot of abnormalities this is a great policy!

I was saving a substantial amount, at first, but lately Metromile seems to be addicted to rate hikes, and they don't actually save you a lot of money unless you hardly drive at all. When I signed up in 2016, I had a 1996 Ford Crown Victoria and thought "Hey, cool!" at paying like $15 a month and a couple cents a mile for basic liability coverage, but in July of this year, I financed a 2018 Kia Soul Plus. Part of what made me comfortable taking on a car payment was the thought that Metromile had my back on car insurance rates. For a short while, they did. I was quoted something like $44 a month plus 9.6 cents per mile for $250 Collision and Comprehensive, 100/300/50 liability, $1,000 medical payments. Unfortunately, when it came time to renew, I got a declarations page stating that my rate would go up to something like $58 a month and 11.9 cents per mile. I thought, "Gee, that's a sizable increase, but still a lot cheaper than what other insurers want, so I'm not happy about this, but what can I do?". So, a couple of weeks later, the guy I'm renting a parking spot from tells me to get out and I change my parking address back to my home address, which is roughly two blocks away. Metromile generated another declarations page for my next term, beginning 10/29, saying it would now be $67-something plus 13.5 cents per mile. I did some quick math and determined that my average monthly bill would be over the flat rate of traditional insurers, such as American Family, State Farm, and others, and none of them make you put a thing in your car that tracks mileage. Well, Root Insurance had my attention anyway because their app rides along and sees how you drive and then offers you a personalized quote. Long story short, I was able to get better insurance coverages than Metromile for a flat rate of $82 per month (paid for the whole term up front), and so I accepted this and canceled my policy with Metromile, effective 10/29. I asked Metromile what gave. Why did my rates skyrocket, and then do so again, and wasn't really given satisfactory answers. I was told things like, "Well, different zip codes, and general statewide increases...". If that's the case, then Metromile has definitely lost their edge and is due to lose more customers because the potential savings just are now minimal and not worth the uncertainty, or having to install spyware in your car to determine your rates. And like all proprietary software, we can't be sure that Metromile is limiting themselves to only what they said it would do. For example, Microsoft, Facebook, Google, and other big name companies use proprietary software to gather data and use it for god knows what. I'm not sure that Metromile used my information from the Pulse device maliciously to increase their rate, though, as the Root app rated my driving 9 out of 10. *shrugRegardless, I'd never be able to prove that. Perhaps Metromile's customers are being asked to pay more because people living on the coast are getting hit by hurricanes and the entire state of California keeps getting set on fire, but that still really isn't my problem, in Illinois. It's not fair to punish me for the proverbial foolish man who built his house on the equally proverbial sand. Then there's the marketing that's all over the CTA recently. Maybe we're paying for that too. The funny part is that it says "Switch to Metromile and pay pennies per mile. Yes, just pennies!". The part that they left out seems to be that it's getting to be a bloody awful lot of pennies, and more every renewal or minor change to your policy. Will the last one to cancel Metromile please turn out the lights?

UPDATE 2/17/19: Well, I moved out of Chicago to Fox Lake, IL and Root Insurance gave me a substantially lower premium and a pro-rated refund for living in a better zip code. I checked Metromile again and it was going to cost me the same as when I lived in Chicago. So now, there's a huge difference. The base rate with Root ($65 a month with paid in full) with Root is now less than it would be to leave my car in the garage 24/7 and never drive anywhere with Metromile.

I'd also like to point out some things that I didn't mention in my original review. The customer service at Metromile is pure crap. You'll wait longer on the phone to talk to someone from Metromile than you will if you call the Post Office 800 number, Social Security, or the IRS. Like, an hour or more is not unheard of. Root answers the phone in a few minutes if you have a question and need to talk to a person. Also, Metromile's roadside assistance sucks. When I was driving the Crown Victoria, I blew a brake line out in Fort Wayne, Indiana and needed a tow truck (I got it off the road safely on the last remaining brake pressure.). Metromile let me open a ticket on the app, but when the tow truck did not arrive (in the middle of winter, mind you), I called them back and they said something like "Oh, we sent the tow truck out to such and such street in Chicago." and I'm like "I'm 170 miles from Chicago and don't you have a device plugged into my car telling you where I'm at?". Who are these people? Anyway, at that point in time I dropped Metromile's roadside and got AAA. In fact, I had my old AAA card in my wallet and they let me renew my membership on the phone and sent a tow truck 45 minutes later.

So, let me tell you about my experience with Metromile's roadside assistance. I had the misfortune to need them twice, once when my battery died and another time for a tow. The first time was a total disaster. I waited for two hours and no truck showed up! Can you believe that? I called them multiple times, but it was like talking to a brick wall. In the end, I had to call a friend to come and jump-start my car.

The second time was an even bigger nightmare. They told me that a towing company was on its way, but when I called the number they gave me, there was no answer. After an hour, I got a text saying that another towing company was on its way, but I was skeptical. When I called the towing company listed on the text, they informed me that they had told the Metromile agent they couldn't come for another two hours! Plus, they had my phone number listed as someone else's! What kind of circus is that?

What made it even worse is that Metromile only pays $75 for the tow, which left me with a hefty bill to cover. What's the point of having their "help" if I have to pay most of it? AAA's roadside assistance is more expensive, sure, but at least I know they'll actually show up when I need them. Metromile's assistance was a joke and just made my problems worse.

In conclusion, I wouldn't recommend Metromile's roadside assistance to anyone. It's better to invest a little more money in AAA and know that you're getting quality service when you need it most. Don't make the same mistake I did and trust Metromile's farce of a service.

Well, let me tell you about my experience with Metromile, it hasn't been the smoothest ride. So, I recently had a name change and had to contact their customer care. And let me say, I had to call SIX times before I could even talk to someone. And to top it off, I had to wait for over 30 minutes on hold for each call. When I finally did get through, the customer representative wasn't the friendliest and even deleted my data not once but TWICE. I mean, come on man! It's not rocket science, how hard is it to save a file?

But wait, there's more! Me and my partner had spoken to them when we moved to our new address a year ago. And what did we find out? They never saved our address info! What?! So, for a whole year, we've been overpaying by a whopping $9 each month, which adds up to over $100 extra, than we should have been paying. And to top it off, what does their customer service agent do? Refuses to put in a request to get our overpayments back!

He then tried to pull the old "feel sorry for me" trick, saying he's been working overtime and is in the sales department. Like, what does that have to do with anything? You can't keep up with the customer service and we get the shaft? Extremely poor business practices, if you ask me.

So, there you have it folks. If you're thinking of signing up to Metromile, think again. These guys need to get their act together and stop taking their customers for granted.

So, I was a Metromile customer for a hot minute; two whole years to be exact. However, I was beyond frustrated with the whole thing and decided to cancel and find a new option that fit my needs better. The idea of Metromile is attractive: you only pay for the miles you drive. But if I'm honest, my experience with the company was less than optimal.

Let's start with the customer service. It was a hot mess. They're only open during regular business hours, which is when most of us are also at work. So, if you have an issue or need to talk to someone, be prepared to call on your lunch break and wait on hold for eons. Lord knows I've spent more time on hold with Metromile than I care to admit. Once I finally did get someone on the line, I didn't feel like my concerns were taken seriously. It was frustrating to say the least.

Then there's the savings. On paper, it should be cheaper to only pay for the miles you drive, right? Well, in reality, it didn't work that way for me. I was paying for basic liability on cars that I barely drove, yet I was still forking over an average of $110 per month. It just didn't add up.

And the devices they use to track your mileage? Let's just say they weren't reliable. On the cars that I drove infrequently, the devices rarely worked as they should. I'd get emails saying they lost signal and I needed to call someone during the day (which, let's be real, wasn't really feasible for me). When I finally did get someone on the line, they told me the solution was to just drive the car. But that kind of defeats the whole purpose of the service, doesn't it?

In summary, if you're thinking about trying out Metromile, I'd say save yourself the headache and go with a more traditional insurer. Trust me, your sanity (and bank account) will thank you.

Can't say we had the best experience using Metromile. We thought it sounded like a great deal, but we soon discovered that if something sounds too good to be true, it probably is. We ended up with policies we didn't even ask for, and it was partly our fault for not reviewing them carefully, but that doesn't excuse Metromile's shady practices. And to top it all off, we asked for a declaration page to be mailed to us and it never arrived. When we followed up, Metromile's response was basically, "Well, you didn't contact us again, so we assumed everything was fine." Are you kidding me? They couldn't even bother to check back with us to make sure they were providing the right coverage for us.

In the end, we had to pay extra for the unwanted options they added, and they refused to cancel and refund them. They acted like it was just an "inconvenience," but it cost us real money. And now that they're owned by Lemonade Inc., we're not fooled. We won't be using Metromile again.

Yo, lemme tell you 'bout MetroMile. I used to be all like "these guys are the bomb" and everything. But then, outta nowhere, their underwriting team sent me an email saying someone was living with me and driving my car. Like, what the heck?! There was zero reason for this and I thought it was just one of their annoying ad emails so I ignored it at first. But then I got a frickin' letter saying they were gonna cancel my policy because of it. So I'm like "nah man, no one is living with me or driving my car" and sent that info back in. But still, they wouldn't call off the cancellation.

I was a good customer for years, bruh. Never had anyone move in with me or even touch my car. But MetroMile didn't care. I even tried to get the CEO involved, but nope, they still cancelled my policy. And then had the nerve to offer me help from one of their business partners to find new insurance - like, seriously?! You gonna cancel on me for something that came outta nowhere and then offer me help from your partner? No thanks, man.

I'm guessing this is all 'cause I filed a claim for getting hit and run. Like, come on MetroMile, get your business straight. I'm never gonna recommend them again after this crazy ordeal. It's just some terrible business dealings, ya know?

So, let me tell y'all about my experience with MetroMile. I signed up for their services on June 15, 2018 and was expecting some smooth sailing from there, but boy was I in for a ride! When I received the device 2 and a half weeks later, it didn't work. And let me tell you, these peeps started charging me 150 miles a day for that questionable device 'cause they didn't receive a signal. I was so pi***! I immediately tried to contact them through phone, email, even Facebook Messenger, but I got no response from these cats for 5+ business days. When they finally replied, it was over Facebook Messenger, y'all. Ain't that crazy?

With my charges finally being reversed, I received a new device, but I had to threaten them that I would report their a*** to the PA Department of Insurance to get things done. I'm not even joking. After that experience, I am convinced that MetroMile is understaffed and can't handle the volume. Just go take a look at the reviews on Glassdoor and you'll see what I'm talking about.

Despite all that, I kept my cool and decided to stick around with them. Why, you say? Because their base rate is 1/3 of what it was with Liberty Mutual, and 1/4 of what Geico and Progressive offered me. But, let me tell you, if I ever need to make a claim, I have a feeling that I'll be in for a long ride.

Honestly, if I drove more than one or two days a week, I'd drop these guys like a hot potato. But, since I walk to work and bike around my hometown of Center City Philadelphia, MetroMile works for me. However, if you use your car for work or have other necessities, I won't recommend this company to y'all. Trust me, it's just not worth it.

Man, let me tell you about MetroMile - what a freakin' mess! So, I'm driving down the highway, minding my own damn business when BAM, outta nowhere a [censored] deer jumps out in front of me. Well, I'm proud to say I didn't wreck my car or nothin', but I did end up with a nasty lil' back injury that was causin' me pain.

So, I'm expectin' MetroMile to come through for me, cover my damages and help me out with a rental car - ya know, like insurance companies are supposed to. But NOPE, they gotta treat me like a criminal, put my case "under investigation" for two whole weeks! And let me tell you, tryin' to deal with those clowns on the phone was a freakin' nightmare. They made me record THREE STATEMENTS, like they don't trust what I'm sayin'. And then they go and ask my friend all sorts of personal details, like it's any of their business.

I've been callin' these jokers non-stop, tryin' to get someone to help me out - but it's like talkin' to a brick wall. Every time I call, they tell me some other rep is handlin' my case now and I can't talk to nobody important. And don't even get me started on how they bounced me around from person to person - I swear they don't even know what they're doin'.

Honestly, I would NOT recommend MetroMile to my worst enemy. They're a bunch of heartless, good-for-nothin' losers who just wanna take your money and run. I'm regretting the day I ever signed up with 'em - and if they don't get their act together soon, I might just have to take 'em to court. Stay away from these clowns at all costs, folks!

So, here's the thing, I had to file a claim with MetroMile because some insured genius backed up into my car. Enter Samina G. She was my designated claim rep. Let me tell you, useless is just the start of it. She left me a voicemail, went on vacation and I basically had to wait for her to reach out 2 months later! And don't even get me started on how many times I called her and she just disappeared into the void.

So, let's fast forward to March 13th, where I was still waiting to get heard on my claim. I spoke to Matt and was expecting a little bit of progress, but nah bruh, they still needed ANOTHER recorded interview. Now mind you, I had already done that way back in 2021, around December. But I complied anyway because I was fed up with the ghosting. But lemme tell you, this dude Matt, he was something else. He talked to me like I was a pesky fly or something. I was so mad, I recorded that whole convo myself because I wasn't trusting anyone at that point. And to top it off, he even tried to gas light me. The nerve!

But, as always, there's a bright spot in every stormy cloud. And in this case, that was Morgan S. I finally spoke to her on March 15th and she was amazing. She somehow got me a shop that was literally a block away and got me reimbursed for all the pain and suffering. She ran circles around Samina and Matt, honestly.

Now don't get me wrong, if Morgan was my main rep from the very beginning, this would be a 5-star review. But unfortunately, that's not how it went down. Samina totally needs more communication skills and Matt might be better off in a different profession. But Morgan, you're the best! Thanks for finally getting things moving in the right direction.

Oh man, let me tell you about my experience with Metromile. So, a while back, my car battery just went dead out of nowhere. I was like, "What in the world?!" So, I took my 2016 Lexus CT200 hybrid to the dealership, and they were just as clueless as I was. They replaced the battery and sent me on my way, saying it should be all good now. But, nope. 30 days later, the new battery died too! I couldn't believe it. So, back to Lexus I went for some further testing. They thought something was draining my battery, but they couldn't figure out what. They even blamed my aftermarket stereo! I took the car back to the stereo installers, and while we were testing, we found that there was a draw on the battery that wasn't coming from the stereo. What a mystery!

Now, here's where things get really interesting. I figured out that all these problems started right after I signed up for Metromile and installed their little plug-in device. I mean, it's so innocent looking, right?! Well, as soon as I removed that sucker, the 100 Millamp draw disappeared and returned to normal. Can you believe that?!

I've been trying to reach Metromile by phone to report this problem, but it's like they don't even exist! I've been stuck on hold forever with recordings saying they're experiencing high call volumes. Ugh, I regret ever signing up for their "money saving" insurance. It's been more of a headache than anything else.

Last summer my family made the move to sunny California and I was in charge of buying a new car and auto insurance. I came across Metromile, a company that charges for coverage based on the number of miles driven, which was perfect for me since I don't drive that much. However, during my recent policy renewal, I noticed that my insurance rate had increased. When I contacted Metromile to find out why, they informed me that it was due to a previous driver's license suspension on August 25, 2018. This was news to me since I had never had my license suspended before and I knew it had to be a mistake.

So, I did what any normal person would do and contacted both the Massachusetts and California DMV to get proof that there was no license suspension on my record. I then sent this information to Metromile, but they requested even more documentation, specifically stating that my license had never been suspended in any state. This was ridiculous considering I had been driving for over 20 years and had lived in 6 different states.

Metromile refused to correct the rate increase or process a refund, so I reluctantly cancelled my policy and switched to another auto insurance company. I didn't want to do business with a company that didn't value their customers and seemed to go out of their way to make things difficult.

To add insult to injury, Metromile would bombard me with messages and emails if the pulse device signal was un-detected for any reason, threatening me with huge penalties. Their rates were also not that cheap, despite the fact that I drive less than 5000 miles each year.

Overall, I wouldn't recommend Metromile to anyone. It's not worth the hassle and the inflated rates for something as essential as auto insurance.