Mile Auto Insurance Review for 2025 (+Rates, Discounts, & Options)
Start saving with Mile Auto pay-per-mile insurance, starting at $44 per month for minimum policies, $130 for full coverage, and $525 for teens with higher risks. This Mile Auto insurance review highlights its pay-per-mile pricing and 40% low-mileage discount, which makes it ideal for drivers who work from home.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: May 18, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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 legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 18, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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12 reviews
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Mile Auto Insurance
Monthly Rates:
$44A.M. Best Rating:
AComplaint Level:
LowPros
- Coverage includes clear, specific risk-based protection
- Medical add-ons like PIP and MedPay process quickly
- Low complaint index of 1.02 shows customer approval
Cons
- Full coverage rises fast after a ticket or accident
- Not as well-known as major nationwide competitors
Use our Mile Auto insurance review to explore pay-per-mile plans built for low-mileage drivers. The program rewards those who drive less with savings up to 40%.
Mile Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score Rating | 3.2 |
| Business Reviews | 4.0 |
| Claim Processing | 4.5 |
| Company Reputation | 4.0 |
| Coverage Availability | 1.8 |
| Coverage Value | 3.8 |
| Customer Satisfaction | 1.1 |
| Digital Experience | 3.5 |
| Discounts Available | 0.7 |
| Insurance Cost | 3.9 |
| Plan Personalization | 3.0 |
| Policy Options | 2.8 |
| Savings Potential | 2.8 |
Discover how Mile Auto delivers some of the cheapest car insurance on the market. Its simple structure offers liability, collision, and medical coverages, plus extras like roadside assistance. Safe drivers and multi-car households gain the most from stacked discounts.
- Mile Auto insurance review reveals a 3.2/5 insurance rating
- Available in AZ, FL, GA, OH, OR, TN, and TX with pay-per-mile plans
- Full coverage rises above $200 with one accident or DUI on record
Mile Auto offers pay-per-mile insurance in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas. It’s ideal for college students, empty nesters, retirees, weekend travelers, and remote workers driving under 10,000 miles a year. Compare your low-mileage insurance options by entering your ZIP code into our fast and free quote tool.
Mile Auto Insurance Monthly Rates
Teen drivers have high monthly rates, especially 16-year-old males who pay $525 for full coverage. However, Mile Auto offers the best pay-as-you-go auto insurance prices, which go down gradually as people age.
Mile Auto Insurance Monthly Rates by Age, Gender & Coverage Level| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $225 | $498 |
| 16-Year-Old Male | $240 | $525 |
| 18-Year-Old Female | $195 | $460 |
| 18-Year-Old Male | $210 | $485 |
| 25-Year-Old Female | $85 | $220 |
| 25-Year-Old Male | $90 | $235 |
| 30-Year-Old Female | $65 | $190 |
| 30-Year-Old Male | $70 | $200 |
| 45-Year-Old Female | $46 | $160 |
| 45-Year-Old Male | $44 | $157 |
| 60-Year-Old Female | $55 | $135 |
| 60-Year-Old Male | $62 | $140 |
| 65-Year-Old Female | $58 | $132 |
| 65-Year-Old Male | $60 | $138 |
This table compares Mile Auto with nine national insurance companies. Erie offers the cheapest plans for both coverage levels, while Liberty Mutual and Travelers charge the most for full coverage.
Mile Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
 | $87 | $228 |
 | $32 | $84 |
 | $76 | $198 |
 | $43 | $114 |
 | $96 | $248 |
| $50 | $130 |
 | $63 | $164 |
 | $56 | $150 |
 | $47 | $123 |
 | $53 | $248 |
Mile Auto stays competitive with $50 for minimum coverage and $130 on average for full coverage, which is less expensive than big companies like Farmers and Allstate.
Mile Auto Insurance Rates For High-Risk Drivers
Drivers with no violations and a clean record get the cheapest monthly rates for both levels of coverage. However, if a driver receives even one ticket, their rate significantly increases.
This rise is more noticeable for full coverage, which exceeds $200. One accident increases costs, and a DUI causes premiums to rise quickly. This chart shows how each mistake gradually increases expenses.
Read More: 17 Tips to Pay Less for Car Insurance
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Mile Auto Insurance Discounts For Drivers
Discounts add up quickly with Mile Auto if you drive wisely and maintain regular habits. The low-mileage discount, at 40%, offers the most significant reduction, benefiting those who do not travel by car often. These are the car insurance discounts you can’t miss if you want to start saving now.
Mile Auto Insurance Discounts by Savings Potential| Discount Type | |
|---|---|
| Low-Mileage Discount | 40% |
| Safe Driver Discount | 25% |
| Multi-Vehicle Discount | 20% |
| Continuous Insurance Discount | 15% |
| Paperless & Auto Pay Discount | 10% |
| Pay-in-Full Discount | 10% |
Safe drivers can reduce their insurance costs by 25%; if you insure more than one car, you can get another 20% off. Also, going paperless or paying for everything simultaneously lowers monthly costs by 10%.
Coverage Options From Mile Auto Insurance
Mile Auto simplifies its coverage into transparent, specific layers. It offers the standard policies, including liability and uninsured motorist protection.
Mile Auto Insurance Coverage Options| Coverage Type | |
|---|---|
| Liability | Pays for others’ injuries or damage if you're at fault |
| Collision | Covers your car's damage from crashes, no matter who's at fault |
| Comprehensive | Protects against theft, fire, weather, and other non-crash incidents |
| Uninsured/Underinsured | Covers you if the at-fault driver has little or no insurance |
| Medical Payments | Pays your medical bills, regardless of fault |
| PIP | Covers medical costs, lost wages, and more (varies by state) |
| Rental Reimbursement | Helps pay for a rental car during repairs |
| Roadside Assistance | Covers towing, jump-starts, flat tires, and lockouts |
Additional services like rental coverage and roadside assistance, which aren’t available with all pay-per-mile insurance companies, complete the package.
Since Mile Auto focuses its premiums on how often people drive, those with high-risk records or low credit scores can often find cheaper rates than with traditional companies. Discover more options when you’re denied insurance coverage.
Customer Reviews and Ratings of Mile Auto Insurance
This rating overview gives a quick look at Mile Auto’s position in the industry. J.D. Power puts it at 842 out of 1,000, meaning customers are pretty happy.
Mile Auto Insurance Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 842 / 1,000 Avg. Satisfaction |
 | Score: A Good Business Practices |
 | Score: 72/100 Good Customer Feedback |
 | Score: 1.02 Avg. Complaints |
 | Score: A Excellent Financial Strength |
Consumer Reports gives 72/100, meaning average but not great. Complaint levels stay low at 1.02, and A.M. Best, awarding an A, shows good financial stability.
Comment
byu/userking99 from discussion
inInsurance
A Reddit post describes a real user’s experience with Mile Auto Insurance when their 2017 Kia Optima was stolen and damaged. Even though they had the insurance for just 28 days, the company covered everything except the deductible. The poster praised the quick appraisal and repair process, giving a 10/10 recommendation in the Mile Auto insurance reviews on Reddit.
Read More: How to Compare Auto Insurance Companies
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How Mile Auto Insurance Stacks Up Against the Competition
Our Mile Auto insurance review finds that this company is perfect for drivers who don’t drive a lot and want flexible and easy coverage. It charges based on the miles you drive, helping high-risk drivers find cheaper rates.
Mile Auto pay-per-mile auto insurance is perfect for retirees, remote workers, or those who only travel on weekends because they do not drive often. It offers different levels of protection and discounts, from basic liability to medical and roadside help, and customer satisfaction scores show strong trust in the industry. Understand how to buy auto insurance to get coverage that matches your lifestyle.
Compared to pay-per-mile competitors, Mile Auto’s no-device model offers more privacy. For instance, it relies solely on photo submissions, not GPS tracking.
Michelle Robbins Licensed Insurance Agent
Mile Auto provides a suitable solution for policyholders who drive less, but explore more pay-as-you-go insurance plans by entering your ZIP code into our rate comparison tool to find the right policy for you.
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Frequently Asked Questions
How does Mile Auto insurance work?
Mile Auto charges a base rate plus a per-mile rate, calculated using odometer photos you submit monthly. The less you drive, the more you save.
How much is pay-by-mile insurance from Mile Auto?
Pay-by-mile insurance with Mile Auto typically starts at around $44 per month for minimum coverage and averages $130 per month for full coverage, depending on usage.
What is the charge per mile with Mile Auto Insurance?
You’re typically charged about 6-8 cents per mile, depending on your location, vehicle, and driving history, in addition to your monthly base rate. How do you calculate charge per mile on your policy? Multiply your monthly mileage by your per-mile rate and add your fixed monthly base rate. Learn what to do if you can’t afford your auto insurance.
What can you expect from Mile Auto Insurance reviews on Consumer Reports?
You’ll typically find that Mile Auto Insurance reviews on Consumer Reports highlight affordability for low-mileage drivers and praise the company’s customer service and claims process.
How reliable are Mile Auto Insurance reviews on BBB?
Mile Auto reviews on BBB often mention positive claims experiences, though some users report billing confusion. The company holds a consistent rating with few complaints.
What is Mile Auto Insurance’s A.M. Best rating?
Mile Auto holds an A rating from A.M. Best, indicating strong financial stability and a reliable ability to pay out claims (Read More: How to File an Auto Insurance Claim and Win it Each Time).
How do you get a Mile Auto Insurance quote?
You can get a Mile Auto Insurance quote online by entering your ZIP code and mileage estimate. Minimum coverage starts at about $44 per month. Discover how much you can save by using our free quote comparison tool.
What is the Mile Auto Insurance phone number?
How do you contact Mile Auto? If you have questions about your policy, claims, or billing support, you can contact Mile Auto Insurance customer service at (888) 645-3001.
Where do you access the Mile Auto Insurance login page?
To log in, visit www.mileauto.com and click the “Login” button at the top right corner to manage your policy and submit odometer readings.
Does Mile Auto have full coverage insurance?
Yes, Mile Auto offers full coverage that includes liability, collision, and comprehensive auto insurance. How much is full coverage auto insurance with Mile Auto? Full coverage averages $130 per month, though rates can vary based on your driving history, vehicle type, and mileage.
Who owns Mile Auto Insurance?
Mile Auto Insurance is a privately held company based in Atlanta, Georgia. It was founded by tech and insurance industry veterans and focuses on usage-based car insurance.
What is the best pay-per-mile auto insurance you can choose?
Mile Auto ranks among the best pay-per-mile car insurance companies for drivers who drive under 10,000 miles yearly, thanks to its simple pricing and lack of tracking devices. Learn more in our guide to usage-based car insurance.
How long has Mile Auto Insurance been in business?
Mile Auto was founded in 2017 and has operated for over seven years. It focuses on affordable pay-per-mile coverage for low-mileage drivers.
Is Mile Auto the most trusted insurance company?
While not the largest, Mile Auto is well-regarded among low-mileage drivers for its transparent pricing, reliable claims service, and high customer satisfaction ratings. Enter your ZIP code to find trustworthy insurance companies near you.
Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
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 legal and insurance related. We update our site regularly, and all content is reviewed by experts.
